HomePennsylvaniaFranklin CountyChambersburg borough
Chambersburg borough, Pennsylvania: commercial real estate data.
Chambersburg borough is a Census borough of 22,319 people across 6.92 square miles of land, in Franklin County. Median household income is $56,576, 42.7 percent of occupied homes are owned, and the SBA record carries 37 7(a) approvals to borrowers here worth $12.3 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Chambersburg
What Chambersburg is
- Census place typeborough
- Land area6.92 sq mi
- Water area0 sq mi
- Population per square mile of land3,223
- County holding the largest share of its areaFranklin County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chambersburg
How many people live in Chambersburg
- Population22,319
- Median age39.6
- Population under 184,416
- Share under 1819.8 percent
- Population 65 and over4,249
- Share 65 and over19.0 percent
- Households9,839
- Family households5,099
- Share of households that are families51.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chambersburg
Income and work in Chambersburg
- Median household income$56,576
- Per capita income$33,172
- Civilian labor force11,108
- Employed10,247
- Unemployed861 plus or minus 250
- Unemployment rate7.8 percent plus or minus 2.2
- Adults 25 and over15,785
- Adults 25 and over with a high school diploma or higher91.0 percent
- Adults 25 and over with a bachelor degree or higher27.3 percent
- Adults 25 and over with a graduate degree11.9 percent plus or minus 2.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chambersburg
Housing in Chambersburg
- Housing units10,329
- Occupied units9,839
- Vacant units490 plus or minus 209
- Vacancy rate4.7 percent plus or minus 2.0
- Owner occupied4,200
- Renter occupied5,639
- Ownership rate42.7 percent
- Median owner-occupied home value$215,000
- Median gross rent, monthly$1,099
- Annual rent as a share of median income23.3 percent
- Single family units6,980
- Share single family67.6 percent
- Units in buildings of two or more3,267
- Share in buildings of two or more31.6 percent
- Mobile homes30 plus or minus 37
- Median year structure built1963
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chambersburg
How Chambersburg gets to work
- Workers 16 and over who commute9,001
- Commuting under 15 minutes4,833
- Share commuting under 15 minutes53.7 percent
- Commuting 30 minutes or more1,582 plus or minus 368
- Share commuting 30 minutes or more17.6 percent plus or minus 3.8
- Drove alone76.5 percent
- Carpooled6.1 percent plus or minus 2.3
- Public transport0.2 percent plus or minus 0.2
- Walked5.1 percent plus or minus 2.2
- Worked from home9.8 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Chambersburg
SBA loans in Chambersburg (7(a))
- Approvals37
- Gross approval$12,294,800
- Average approval$332,292
- Median approval$138,000
- Ninetieth percentile approval$995,000
- Largest approval$3,400,000
- Jobs supported419
- Jobs per approval11.3
- Loans with a final outcome8
- Paid in full7
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more5.4 percent
- Share to franchises16.2 percent
- Distinct lenders15
- Distinct industries by NAICS25
A charge-off rate is not published here. only 8 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Chambersburg
SBA loans in Chambersburg (504)
- Approvals8
- Gross approval$4,796,000
- Average approval$599,500
- Median approval$431,000
- Largest approval$1,983,000
- Jobs supported71
- Loans with a final outcome6
- Charged off1
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Chambersburg
Flood risk in Chambersburg
- Listed NFIP communities1
- Of those, participating1
- NFIP community number420469
- Currently effective map date01/18/12
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Franklin County, not Chambersburg
Franklin County context, not Chambersburg figures
These are Franklin County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Chambersburg measurements.
- Establishments in Franklin County3,111
- Employment at those establishments, Franklin County52,942
- Covered employment, Franklin County60,414
- Average annual pay, Franklin County$55,554
- Average weekly wage, Franklin County$1,068
- Housing units permitted, Franklin County623
- Of those, single family, Franklin County478
- County product, 2024, Franklin County$8,378,505,000
- County product change over the prior year, Franklin County5.4 percent
- Average income of an arriving household, Franklin County$60,663
Every figure in this section is published for Franklin County as a whole and is not a measurement of Chambersburg. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Chambersburg questions, answered from the record.
How many people live in Chambersburg, Pennsylvania?
22,319, in 9,839 households. Chambersburg borough covers 6.92 square miles of land, which is 3,223 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Chambersburg in?
Franklin County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Chambersburg?
$56,576. The median owner-occupied home is valued at $215,000. Median gross rent is $1,099 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Chambersburg businesses?
37 7(a) approvals totalling $12.3 m, across 15 lenders, median approval $138,000, plus 8 504 approvals worth $4.8 m. These count approvals to borrowers whose address is in Chambersburg, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Chambersburg borrowers get paid back?
No rate is published for Chambersburg. only 8 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Chambersburg in the National Flood Insurance Program?
Yes. Chambersburg appears in the FEMA Community Status Book as community 420469, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Chambersburg figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Franklin County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Chambersburg.
Is zoning published for Chambersburg?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.