Mortgage Rates in Chambersburg, Pennsylvania — March 2026
Updated March 2026 | Based on Chambersburg market data and regional lending conditions
Chambersburg is a growing city in Pennsylvania with a population of 21,017. The current 30-year fixed mortgage rate in Chambersburg is 6.03%, which is 0.62% below the national average. With a median home price of $225,000 and a 20% down payment of $45,000, homebuyers can expect a monthly principal and interest payment of approximately $1,082.
Current Mortgage Rates in Chambersburg, PA
Below are the current average mortgage rates available in the Chambersburg area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.03% | 6.65% | -0.62% |
| 15-Year Fixed | 5.27% | 5.89% | -0.62% |
| 5/1 ARM | 5.53% | 6.15% | -0.62% |
| FHA | 5.63% | 6.25% | -0.62% |
| VA | 5.43% | 6.05% | -0.62% |
| Jumbo | 6.23% | 6.85% | -0.62% |
Chambersburg Housing Market Overview
The Chambersburg housing market offers relatively affordable housing compared to many major cities. The median household income in Chambersburg is $42,000, and the cost of living index is 90 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $58,114 to comfortably afford the median-priced home in Chambersburg, which exceeds the current median household income.
Monthly Payment Breakdown for Chambersburg
Based on the median home price of $225,000 with 20% down ($45,000), here is what you can expect to pay monthly in Chambersburg:
15-Year vs. 30-Year Mortgage in Chambersburg
Choosing a 15-year mortgage in Chambersburg at 5.27% instead of a 30-year at 6.03% would save you $128,700 in total interest over the life of the loan. However, your monthly payment would be $1,449 instead of $1,082 — an increase of $367 per month.
Calculate Your Chambersburg Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Chambersburg
What are the current mortgage rates in Chambersburg, PA?
As of March 2026, the average 30-year fixed mortgage rate in Chambersburg, Pennsylvania is 6.03%, while the 15-year fixed rate is 5.27%. FHA loans average 5.63% and VA loans 5.43%. These rates are 0.62% below the national average of 6.65%.
How much is a monthly mortgage payment in Chambersburg?
Based on the median home price of $225,000 with 20% down, the estimated monthly mortgage payment in Chambersburg is $1,082 for principal and interest. Including property taxes of $274/month, the total monthly housing cost is approximately $1,356.
What income do I need to buy a home in Chambersburg?
Using the 28% rule, you would need an annual income of approximately $58,114 to afford the median-priced home in Chambersburg at $225,000. The median household income in Chambersburg is $42,000. This means most households would need to either earn above the median or consider homes below $225,000.
Is Chambersburg a good place to buy a home in 2026?
Chambersburg offers a below-average cost of living with a cost of living index of 90 (national average = 100). The property tax rate in Pennsylvania is 1.46%, which is near the national average. Chambersburg has a population of 21,017 and offers a very affordable lifestyle.
Mortgage Rates in Other Pennsylvania Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Chambersburg, Pennsylvania area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.