ZIP Code 17201 — Chambersburg borough, PA Demographics & Data

ZIP code 17201 covers Chambersburg, PA in Franklin County with a population of about 27,575.

At a glance, the area shows median age of 41.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 223, 717; U.S. House district PA-13; the HARRISBURG - LNCSTR - LEB - YORK media market.

Chambersburg, PA sits in a university / college context (near wilson college (0.8 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 17201 is about $59,645 — about 21% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.4%; unemployment rate near 4.9%; 28.3% of adults with a bachelor’s degree or higher (about 5.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 6.5% of workers reporting work-from-home (about 8.7 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $206,800 — about 41% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $928 (about 20% below the U.S. median rent ($1,163)), and owner-occupancy near 48.4% (about 17.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 17201 in Chambersburg, PA, a household would need roughly $57,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,328. That is roughly in line with the local median household income ($59,645). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Chambersburg borough, PA as Relatively Low (composite score 76.4), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (85.6) and flood (84.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Chambersburg borough, PA show little to no average snow and around 43.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,256 for ZIP 17201 (Chambersburg borough, PA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.