Franklin County, PA Average Home Price (2026)
The average home price in Franklin County, Pennsylvania is about $270,000 (the 2026 median across 18 ZIP codes, at ~$168/sq ft) — 13% more expensive than the Pennsylvania median and 7% more affordable than the typical U.S. home.
How Franklin County compares
Franklin County is about average for housing nationally: its typical home costs $270,000 against $238,000 for Pennsylvania and $289,000 for the U.S. Within the county, ZIP-level values run from about $226,000 to $328,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Franklin County | $270,000 | $168 |
| Pennsylvania | $238,000 | $165 |
| United States | $289,000 | $193 |
Franklin County home prices by ZIP code
The 15 most valuable ZIP codes in Franklin County (of 18 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 17225 Greencastle | $328,000 | $172 | +21% |
| 17202 Chambersburg | $319,000 | $186 | +18% |
| 17236 Mercersburg | $294,000 | $187 | +9% |
| 17244 Orrstown | $293,000 | $203 | +9% |
| 17262 Spring Run | $288,000 | $74 | +7% |
| 17222 Fayetteville | $283,000 | $168 | +5% |
| 17214 Blue Ridge Summit | $282,000 | $142 | +4% |
| 17271 Willow Hill | $280,000 | $148 | +4% |
| 17268 Waynesboro | $277,000 | $179 | +3% |
| 17252 Saint Thomas | $263,000 | $136 | -3% |
| 17201 Chambersburg | $254,000 | $168 | -6% |
| 17220 Doylesburg | $251,000 | $132 | -7% |
| 17219 Doylesburg | $249,000 | $387 | -8% |
| 17235 Marion | $247,000 | $130 | -9% |
| 17265 Upper Strasburg | $231,000 | $253 | -14% |
Home value appreciation in Franklin County
Home prices in Franklin County have risen about 69% over the last 10 years (≈5.4% a year) and +61.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.0% — still rising. A home worth $270,000 today was worth roughly $159,669 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Pennsylvania is +76.8% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Franklin County
Run the numbers for Franklin County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Franklin County
To buy the typical $270,000 home in Franklin County with 20% down, you need a household income of roughly $73,000 a year (about $1,710 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $87,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,500 | $2,130/mo | $91,000/yr |
| 10% (+PMI) | $27,000 | $2,040/mo | $87,000/yr |
| 20% | $54,000 | $1,710/mo | $73,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Franklin County
At about $168 per square foot, here is roughly how much home different budgets get you in Franklin County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 890 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1190 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1490 sq ft | around the typical home here |
| $300k | 1790 sq ft | around the typical home here |
| $400k | 2380 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Pennsylvania.
Estimate a specific home in Franklin County
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Franklin County home prices: frequently asked
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Browse all Pennsylvania cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.