HomePennsylvaniaFranklin CountyChambersburg
Chambersburg, Pennsylvania: commercial real estate data.
Chambersburg 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 since FY2020.
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$818,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Chambersburg, in any county, FY2020 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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$391,500
- Largest approval$1,983,000
- Jobs supported71
- Loans with a final outcome6
- Charged off1
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Chambersburg, in any county, FY2010 to FY2026. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Chambersburg
Flood risk in Chambersburg
- NFIP communityBorough of Chambersburg
- NFIP community number420469
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/18/12
The Borough of Chambersburg participates in the National Flood Insurance Program as community 420469 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Franklin County, not Chambersburg
Franklin County context, not Chambersburg figures
- Establishments in Franklin County3,111
- Covered employment, Franklin County60,414
- Average annual pay, Franklin County$55,554
- Housing units permitted, Franklin County623
Every figure in this section is published for Franklin County as a whole and is not a measurement of Chambersburg.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $12.3 m since FY2020, across 15 lenders, median approval $138,000, plus 8 504 approvals worth $4.8 m since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Chambersburg in the National Flood Insurance Program?
Yes. Chambersburg appears in the FEMA Community Status Book as Chambersburg, borough of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.