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Find Your Airbnb InvestmentInvesting in Airbnb properties in Chambersburg, Pennsylvania, presents a moderately favorable opportunity, largely dependent on specific micro-market analysis. Current market conditions in Chambersburg are characterized by relatively stable property values compared to major metropolitan areas, making the initial investment more accessible. While not a primary tourist destination like Philadelphia or Pittsburgh, Chambersburg benefits from its proximity to historical sites (like Gettysburg) and outdoor attractions, drawing a steady stream of visitors seeking more localized and affordable lodging options, particularly during peak seasons for local events or historical tourism. Investment potential is driven by consistent, albeit lower, occupancy rates and the opportunity for moderate rental income. However, investors should carefully research local short-term rental regulations, which may vary and impact profitability.
Based on available market data and regional analysis, Airbnb hosts in Chambersburg, Pennsylvania typically earn between $800 to $1,800 per month, with whole-home properties averaging around $1,200-1,400 monthly while private rooms generate approximately $600-900 monthly. Seasonal variations show peak earnings during summer months and fall foliage season, with revenues increasing by roughly 25-40% above winter baseline rates, while spring and winter months typically see the lowest occupancy rates at around 45-55% compared to summer peaks of 70-80%. Key factors affecting earnings include proximity to Gettysburg National Military Park (approximately 30 minutes away), property size and amenities, with three-bedroom homes commanding average nightly rates of $85-120 compared to $45-65 for single rooms, and seasonal events such as Civil War reenactments, local festivals, and Pennsylvania's tourism season driving demand fluctuations. Properties offering unique amenities like hot tubs, fire pits, or historic character tend to achieve occupancy rates 15-20% higher than basic accommodations, while location within walking distance of downtown Chambersburg or near major highways can increase booking frequency by an estimated 10-25% compared to more remote rural properties.
Airbnb investments in Chambersburg, Pennsylvania typically generate ROI between 8-12% annually, with payback periods ranging from 7-10 years depending on property acquisition costs and renovation expenses. The average daily rate for Airbnb properties in Chambersburg ranges from $85-120, with occupancy rates averaging 55-65% throughout the year, generating monthly revenues of $1,400-2,300 for well-positioned properties. This compares favorably to traditional long-term rentals in the area, which typically yield 6-8% ROI with monthly rents averaging $800-1,200 for similar properties. The higher ROI for short-term rentals comes with increased operational complexity, seasonal fluctuations affecting winter bookings, and higher vacancy risk, but the proximity to Gettysburg tourism, local business travel, and weekend visitors from Baltimore and Washington DC markets provides steady demand. Initial investment requirements are typically 15-25% higher than long-term rentals due to furnishing and setup costs, but the premium pricing during peak tourist seasons and local events can push annual returns above traditional rental investments by 2-4 percentage points.
Airbnb occupancy rates in Chambersburg, Pennsylvania typically average around 55-65% annually, with significant seasonal variations that peak during summer months (June-August) at approximately 70-80% occupancy due to increased tourism and Civil War battlefield visits, while winter months (December-February) see rates drop to 40-50%. Spring and fall maintain moderate occupancy around 60-65%, with particular spikes during Gettysburg anniversary events in July and autumn foliage season in October. Chambersburg's occupancy rates generally align closely with Pennsylvania's statewide average of 60-68% but fall slightly below the national Airbnb average of 65-72%, primarily due to its smaller market size and more limited year-round tourist attractions compared to major metropolitan areas. The market benefits from proximity to Gettysburg National Military Park and its location along major transportation corridors, which helps maintain relatively stable demand throughout most of the year, though it lacks the consistent business travel demand that sustains higher occupancy rates in larger cities.
The downtown Chambersburg area offers excellent Airbnb potential due to its proximity to the historic courthouse square, local restaurants, and walkable amenities, attracting both business travelers and tourists interested in Civil War history. The neighborhoods near Wilson College provide strong rental demand from visiting families, prospective students, and college-related events, with properties typically commanding premium rates during graduation and orientation periods. Areas around Chambersburg Hospital and Summit Health facilities are ideal for medical tourism and visiting family members, offering consistent year-round occupancy with guests willing to pay higher rates for convenience. The residential neighborhoods near Norland Avenue and Scotland Avenue feature charming historic homes that appeal to leisure travelers seeking authentic small-town experiences while remaining close to antique shops and local attractions. Properties near the Chambersburg Country Club area attract golf enthusiasts and upscale visitors, allowing for higher nightly rates due to the desirable location and well-maintained neighborhood character. The areas surrounding Franklin County Courthouse draw legal professionals, government workers, and business travelers who value proximity to official buildings and downtown dining options. Neighborhoods near the interstate access points along Route 11 and I-81 corridors provide excellent visibility for travelers passing through the region, offering convenience for road trip tourists and business travelers needing easy highway access while maintaining reasonable property acquisition costs.
Chambersburg, Pennsylvania currently allows short-term rentals in most residential zones with a required business license and zoning permit from the Borough, though properties must maintain occupancy limits of no more than 8 guests at one time and comply with parking requirements of one space per bedroom plus one additional space. The city does not mandate owner-occupancy for short-term rentals, allowing both hosted and non-hosted arrangements, but requires annual registration through the Borough office with fees typically ranging from $50-100 annually. Properties must meet standard health and safety codes including smoke detectors, carbon monoxide detectors, and fire extinguishers, while maintaining quiet hours between 10 PM and 7 AM to minimize neighborhood disruption. Zoning restrictions generally prohibit short-term rentals in certain commercial districts and require conditional use permits in some residential areas, with the Borough conducting periodic reviews of applications and requiring neighbors to be notified of new short-term rental applications within 300 feet of the property. Recent regulatory adjustments in 2022-2023 have focused on strengthening enforcement mechanisms and clarifying parking requirements, though the overall framework remains relatively permissive compared to larger Pennsylvania municipalities.
Short-term rentals in Chambersburg, Pennsylvania are subject to Pennsylvania's 6% state sales tax and 6% state hotel occupancy tax, totaling 12% in state taxes on rental income. Franklin County may impose an additional 3% local hotel tax, bringing the total occupancy tax to approximately 15%. The City of Chambersburg typically requires a business license costing around $50-75 annually, and operators must register with the Pennsylvania Department of Revenue for tax collection purposes at no additional fee. Property owners may need to obtain a rental permit or certificate of occupancy, which generally costs $100-200 initially with annual renewal fees of $50-100. Fire safety inspections may be required annually at costs of $75-150, and some properties may need zoning compliance certificates costing $25-50. Additionally, operators must remit collected taxes monthly or quarterly to state and local authorities, and may be subject to local business privilege taxes ranging from $25-100 annually depending on gross receipts.
Investing in Airbnb properties in Chambersburg, Pennsylvania, presents a moderately favorable opportunity, largely dependent on specific micro-market analysis. Current market conditions in Chambersburg are characterized by relatively stable property values compared to major metropolitan areas, making the initial investment more accessible. While not a primary tourist destination like Philadelphia or Pittsburgh, Chambersburg benefits from its proximity to historical sites (like Gettysburg) and outdoor attractions, drawing a steady stream of visitors seeking more localized and affordable lodging options, particularly during peak seasons for local events or historical tourism. Investment potential is driven by consistent, albeit lower, occupancy rates and the opportunity for moderate rental income. However, investors should carefully research local short-term rental regulations, which may vary and impact profitability.
Based on available market data and regional analysis, Airbnb hosts in Chambersburg, Pennsylvania typically earn between $800 to $1,800 per month, with whole-home properties averaging around $1,200-1,400 monthly while private rooms generate approximately $600-900 monthly. Seasonal variations show peak earnings during summer months and fall foliage season, with revenues increasing by roughly 25-40% above winter baseline rates, while spring and winter months typically see the lowest occupancy rates at around 45-55% compared to summer peaks of 70-80%. Key factors affecting earnings include proximity to Gettysburg National Military Park (approximately 30 minutes away), property size and amenities, with three-bedroom homes commanding average nightly rates of $85-120 compared to $45-65 for single rooms, and seasonal events such as Civil War reenactments, local festivals, and Pennsylvania's tourism season driving demand fluctuations. Properties offering unique amenities like hot tubs, fire pits, or historic character tend to achieve occupancy rates 15-20% higher than basic accommodations, while location within walking distance of downtown Chambersburg or near major highways can increase booking frequency by an estimated 10-25% compared to more remote rural properties.
Airbnb investments in Chambersburg, Pennsylvania typically generate ROI between 8-12% annually, with payback periods ranging from 7-10 years depending on property acquisition costs and renovation expenses. The average daily rate for Airbnb properties in Chambersburg ranges from $85-120, with occupancy rates averaging 55-65% throughout the year, generating monthly revenues of $1,400-2,300 for well-positioned properties. This compares favorably to traditional long-term rentals in the area, which typically yield 6-8% ROI with monthly rents averaging $800-1,200 for similar properties. The higher ROI for short-term rentals comes with increased operational complexity, seasonal fluctuations affecting winter bookings, and higher vacancy risk, but the proximity to Gettysburg tourism, local business travel, and weekend visitors from Baltimore and Washington DC markets provides steady demand. Initial investment requirements are typically 15-25% higher than long-term rentals due to furnishing and setup costs, but the premium pricing during peak tourist seasons and local events can push annual returns above traditional rental investments by 2-4 percentage points.
Airbnb occupancy rates in Chambersburg, Pennsylvania typically average around 55-65% annually, with significant seasonal variations that peak during summer months (June-August) at approximately 70-80% occupancy due to increased tourism and Civil War battlefield visits, while winter months (December-February) see rates drop to 40-50%. Spring and fall maintain moderate occupancy around 60-65%, with particular spikes during Gettysburg anniversary events in July and autumn foliage season in October. Chambersburg's occupancy rates generally align closely with Pennsylvania's statewide average of 60-68% but fall slightly below the national Airbnb average of 65-72%, primarily due to its smaller market size and more limited year-round tourist attractions compared to major metropolitan areas. The market benefits from proximity to Gettysburg National Military Park and its location along major transportation corridors, which helps maintain relatively stable demand throughout most of the year, though it lacks the consistent business travel demand that sustains higher occupancy rates in larger cities.
The downtown Chambersburg area offers excellent Airbnb potential due to its proximity to the historic courthouse square, local restaurants, and walkable amenities, attracting both business travelers and tourists interested in Civil War history. The neighborhoods near Wilson College provide strong rental demand from visiting families, prospective students, and college-related events, with properties typically commanding premium rates during graduation and orientation periods. Areas around Chambersburg Hospital and Summit Health facilities are ideal for medical tourism and visiting family members, offering consistent year-round occupancy with guests willing to pay higher rates for convenience. The residential neighborhoods near Norland Avenue and Scotland Avenue feature charming historic homes that appeal to leisure travelers seeking authentic small-town experiences while remaining close to antique shops and local attractions. Properties near the Chambersburg Country Club area attract golf enthusiasts and upscale visitors, allowing for higher nightly rates due to the desirable location and well-maintained neighborhood character. The areas surrounding Franklin County Courthouse draw legal professionals, government workers, and business travelers who value proximity to official buildings and downtown dining options. Neighborhoods near the interstate access points along Route 11 and I-81 corridors provide excellent visibility for travelers passing through the region, offering convenience for road trip tourists and business travelers needing easy highway access while maintaining reasonable property acquisition costs.
Chambersburg, Pennsylvania currently allows short-term rentals in most residential zones with a required business license and zoning permit from the Borough, though properties must maintain occupancy limits of no more than 8 guests at one time and comply with parking requirements of one space per bedroom plus one additional space. The city does not mandate owner-occupancy for short-term rentals, allowing both hosted and non-hosted arrangements, but requires annual registration through the Borough office with fees typically ranging from $50-100 annually. Properties must meet standard health and safety codes including smoke detectors, carbon monoxide detectors, and fire extinguishers, while maintaining quiet hours between 10 PM and 7 AM to minimize neighborhood disruption. Zoning restrictions generally prohibit short-term rentals in certain commercial districts and require conditional use permits in some residential areas, with the Borough conducting periodic reviews of applications and requiring neighbors to be notified of new short-term rental applications within 300 feet of the property. Recent regulatory adjustments in 2022-2023 have focused on strengthening enforcement mechanisms and clarifying parking requirements, though the overall framework remains relatively permissive compared to larger Pennsylvania municipalities.
Short-term rentals in Chambersburg, Pennsylvania are subject to Pennsylvania's 6% state sales tax and 6% state hotel occupancy tax, totaling 12% in state taxes on rental income. Franklin County may impose an additional 3% local hotel tax, bringing the total occupancy tax to approximately 15%. The City of Chambersburg typically requires a business license costing around $50-75 annually, and operators must register with the Pennsylvania Department of Revenue for tax collection purposes at no additional fee. Property owners may need to obtain a rental permit or certificate of occupancy, which generally costs $100-200 initially with annual renewal fees of $50-100. Fire safety inspections may be required annually at costs of $75-150, and some properties may need zoning compliance certificates costing $25-50. Additionally, operators must remit collected taxes monthly or quarterly to state and local authorities, and may be subject to local business privilege taxes ranging from $25-100 annually depending on gross receipts.
* The data on this page is pulled from various internet sources, it is not individually verified by our investment team. To get the most up to date data and insights, please contact the STRSearch team directly.
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To start an Airbnb in Chambersburg, Pennsylvania, begin by researching local zoning laws through the Borough of Chambersburg Planning Department, as short-term rentals may require special use permits in certain residential zones and you'll need to verify your property complies with R-1, R-2, or commercial zoning requirements. Obtain necessary permits including a business license from Chambersburg Borough Hall (typically $50-100 annually), register for Pennsylvania state taxes through the Department of Revenue for the 6% sales tax plus Franklin County's 2% hotel tax, and ensure compliance with fire safety codes which may require smoke detectors, carbon monoxide detectors, and fire extinguishers meeting Pennsylvania's rental property standards. Find a suitable property by targeting neighborhoods like King Street corridor, downtown historic district, or areas near Wilson College and Shippensburg University, considering properties with 2-3 bedrooms that can accommodate families visiting nearby attractions like Caledonia State Park or Gettysburg (30 minutes away). Furnish the space with quality basics including comfortable beds, linens, towels, kitchen essentials, WiFi, and local guidebooks highlighting Chambersburg's Civil War history and nearby Pennsylvania Dutch attractions. List your property on Airbnb with competitive pricing around $80-150 per night based on local market rates, emphasizing proximity to historic sites, outdoor recreation, and major highways like I-81. Manage the property by establishing relationships with local cleaning services (budget $30-50 per turnover), maintenance contractors, and consider using dynamic pricing tools while maintaining responsive communication with guests and monitoring reviews to maintain high ratings in this growing Central Pennsylvania tourism market.
To identify profitable short-term rental properties in Chambersburg, Pennsylvania, focus on locations within walking distance of downtown's antique shops and restaurants along Lincoln Way East, near Gettysburg College (20 minutes away) for parent/visitor demand, and properties close to recreational areas like Caledonia State Park and the Appalachian Trail corridor. Target 2-4 bedroom single-family homes or historic properties built between 1900-1950 with original character features, full kitchens, dedicated parking, and outdoor spaces, as these appeal to families visiting nearby Civil War sites and Gettysburg battlefield tourists. Conduct pricing analysis using AirDNA and Mashvisor to track seasonal demand patterns, with peak rates during summer months ($120-180/night) and Civil War anniversary events, while maintaining competitive winter rates ($80-120/night). Research competition by analyzing existing Airbnb and VRBO listings within 5-mile radius, noting that Chambersburg has limited STR inventory compared to Gettysburg, creating opportunity for well-positioned properties. Utilize tools like Rabbu and AllTheRooms for market analysis, monitor Franklin County tourism data through the Cumberland Valley Visitors Bureau, and leverage STR Helper for performance tracking, while ensuring compliance with Chambersburg Borough zoning regulations and Pennsylvania state tax requirements for rental properties.
To obtain an Airbnb/STR permit in Chambersburg, Pennsylvania, you must first contact the Chambersburg Borough Office at 100 South Second Street or call 717-251-2411 to inquire about their specific short-term rental regulations, as requirements vary by municipality. You'll likely need to submit an application form along with required documents including proof of property ownership or lease agreement, certificate of occupancy, fire safety inspection certificate, liability insurance documentation (typically $1 million minimum), floor plans showing maximum occupancy, and contact information for a local property manager if you're not local. The application fee is estimated to be between $100-300 annually, with additional inspection fees of approximately $50-150. You may need to obtain a business license from the borough, comply with zoning requirements (many residential areas restrict STRs), install smoke and carbon monoxide detectors in all sleeping areas, provide adequate parking spaces, and maintain noise ordinances. The approval timeline typically takes 30-60 days depending on inspection scheduling and document review. Some properties may require conditional use permits or zoning variances, which involve additional public hearings and can extend the process by 60-90 days. Contact the Chambersburg Planning and Zoning Department to confirm current regulations, as Pennsylvania municipalities have been updating STR ordinances frequently since 2020, and ensure you also register with the Pennsylvania Department of Revenue for tax collection purposes.
Short-term rentals (STRs) in Chambersburg, Pennsylvania operate in a regulatory gray area as the city has not enacted comprehensive STR-specific ordinances as of 2024. While not explicitly prohibited, STRs must comply with existing zoning regulations, business licensing requirements, and safety codes, with residential properties in single-family zones potentially facing restrictions on commercial use. The city requires business licenses for rental operations and properties must meet building and fire safety standards, though enforcement has been inconsistent. Recent discussions among city council members have focused on developing clearer regulations similar to neighboring municipalities, with potential restrictions being considered for historic districts and certain residential neighborhoods. Property owners currently operate under general business regulations and zoning compliance, but the legal landscape may change as the city works toward establishing specific STR guidelines to address community concerns about housing availability and neighborhood character preservation.
The most promising Airbnb investment areas in Chambersburg, Pennsylvania include the Historic Downtown District, which attracts visitors to the Capitol Theatre Center, antique shops, and Civil War heritage sites, generating steady tourism revenue year-round. The Franklin County area near Caledonia State Park and Michaux State Forest offers excellent potential for outdoor enthusiasts and weekend getaways, particularly during peak hiking and camping seasons from spring through fall. The Wilson College vicinity provides opportunities for visiting families, prospective students, and academic conference attendees throughout the academic year. The Route 11 corridor near major employers like Volvo Construction Equipment and Menno Haven retirement communities creates demand for business travelers and visiting families. The area around Chambersburg Hospital and Summit Health facilities generates consistent demand from medical travelers, visiting specialists, and families of patients requiring extended stays.
Airbnb properties in Chambersburg, Pennsylvania are subject to Pennsylvania's 6% state sales tax on transient accommodations, which applies to rentals of less than 30 consecutive days, and this tax is typically collected by Airbnb directly from guests and remitted to the Pennsylvania Department of Revenue on behalf of hosts through their automated tax collection system that began around 2018. Franklin County, where Chambersburg is located, does not impose an additional county-level occupancy tax, and the City of Chambersburg does not currently have a municipal lodging tax specific to short-term rentals, though hosts should verify current local ordinances as regulations can change. The state tax applies to the rental rate but excludes separately stated cleaning fees in most cases, and properties rented for 30 days or more are generally exempt from the transient occupancy tax. Hosts who collect taxes independently rather than through Airbnb's system must register with the Pennsylvania Department of Revenue, file monthly returns, and remit taxes by the 20th of the following month, while maintaining detailed records of all transactions and tax collections for audit purposes.
The total cost to start an Airbnb in Chambersburg, Pennsylvania is approximately $185,000-$220,000. Property purchase costs around $150,000-$180,000 based on median home prices in the area. Furnishing a 2-3 bedroom property requires $8,000-$12,000 for beds, sofas, dining sets, appliances, linens, and decor. Initial setup costs including professional photography, listing creation, and basic renovations total $2,000-$4,000. Permits and fees including business license, short-term rental permit, and inspection fees cost $300-$800. Insurance for short-term rental coverage adds $1,200-$2,000 annually. Utility deposits and connections for electricity, water, gas, internet, and cable cost $500-$800. First six months operating costs including utilities ($900), cleaning supplies ($300), maintenance ($600), marketing ($400), and platform fees on estimated $18,000 revenue ($2,700) total approximately $4,900. Property taxes for six months add roughly $1,500-$2,200 depending on assessment value.
Airbnb properties in Chambersburg, Pennsylvania typically generate annual revenues between $15,000-$35,000 for entire homes and $8,000-$18,000 for private rooms, with average daily rates ranging from $65-$120 depending on property size and amenities. Operating expenses generally consume 40-60% of gross revenue, including cleaning fees ($25-$40 per turnover), utilities ($150-$300 monthly), property management (10-20% of revenue), insurance ($800-$1,500 annually), and maintenance costs ($2,000-$4,000 yearly). Net profit margins typically range from 15-35% for well-managed properties, with higher margins achieved by hosts who handle cleaning and guest communication themselves. Success factors in this market include proximity to Gettysburg National Military Park (20 minutes away), competitive pricing during peak summer and fall seasons, professional photography, and maintaining superhost status through consistent 4.8+ ratings. Properties near downtown Chambersburg or with unique features like historic charm perform better, with some hosts reporting occupancy rates of 60-75% during peak months and 35-50% in winter, while those offering business traveler amenities benefit from steady weekday bookings due to the area's manufacturing and logistics companies.
Airbnb investments in Chambersburg, Pennsylvania typically generate annual ROI of 8-12% with cash-on-cash returns ranging from 6-10% based on current market conditions. Properties in downtown Chambersburg near Wilson College and historic districts show stronger performance, with average daily rates of $85-120 and occupancy rates around 65-75% annually. Initial investment recovery and profitability typically occurs within 18-24 months for well-positioned properties, assuming purchase prices between $120,000-180,000 for suitable 2-3 bedroom homes. The market benefits from proximity to Gettysburg tourism (30 minutes), business travelers to local manufacturing facilities like Menno Haven and Grove US LLC, and seasonal demand from outdoor recreation at Caledonia State Park. Monthly gross rental income averages $1,800-2,800 depending on property size and location, with net operating margins of 35-45% after accounting for cleaning, utilities, maintenance, and platform fees.
STRSearch is a national platform that helps investors identify profitable short-term rental properties in Chambersburg, Pennsylvania, using data analytics and market insights. Local real estate agents like Coldwell Banker Residential Brokerage and RE/MAX of Gettysburg have agents familiar with the Chambersburg market who can assist with Airbnb investment properties. National services include Awning (formerly RedAwning) which provides end-to-end Airbnb investment services, Mashvisor for property analysis and market data, and AirDNA for short-term rental analytics specific to the Chambersburg area. Local property management companies such as Keystone Property Management and Franklin County property managers can help optimize rental performance. BiggerPockets marketplace connects investors with local wholesalers and agents, while Roofstock and Arrived Homes offer turnkey rental property investments that could work for short-term rentals in the region. Local mortgage brokers like First National Bank of Pennsylvania and Members 1st Federal Credit Union can provide financing options for investment properties in Chambersburg.
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