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Bloomsburg vs Chambersburg for Rental Property Investing

Side-by-side comparison of Bloomsburg, PA and Chambersburg, PA — cap rates, rent, prices, and investment metrics.

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Bloomsburg wins 3–0 across key metrics
Bloomsburg leads on cash flow (3.32% vs 2.65% cap rate)
Metric
Bloomsburg, PA
Chambersburg, PA
Est. Cap Rate
3.32%
2.65%
Median Home Price
$240,000
$280,000
Median Monthly Rent
$1,170
$1,200
1% Rule
0.49%
0.43%
GRM
17.1x
19.4x
Price / Income
5.0x
5.9x
Property Tax Rate
1.38%
1.38%
Vacancy Rate
6%
6%
Population Growth
0.2% / yr
0.2% / yr
Annual Appreciation
2.3%
2.3%
Population
50,000
50,000
Median Income
$47,800
$47,800

Bloomsburg vs Chambersburg: Which Is Better for Investors?

Cash flow: Bloomsburg has the edge with an estimated cap rate of 3.32% compared to Chambersburg's 2.65%. Neither city passes the 1% rule outright, so deal sourcing and value-add strategies become more important. Median home prices are $240,000 in Bloomsburg vs $280,000 in Chambersburg, while rents come in at $1,170/mo and $1,200/mo respectively. For context, the national average cap rate is 3.81% and average price is $333K.

Growth & appreciation: Bloomsburg is growing faster at 0.2% annually vs Chambersburg's 0.2%. Bloomsburg leads on home value appreciation at 2.3% per year.

Costs & risk: Property taxes are 1.38% in Bloomsburg vs 1.38% in Chambersburg. Vacancy rates of 6% and 6% are mixed — Chambersburg has the tighter rental market.

Entry point: Bloomsburg offers a lower entry at $240K vs Chambersburg's $280K — a difference of $40K. With a 20% down payment, that's $48K vs $56K. Bloomsburg combines the lower price with a higher cap rate — a compelling combination.

Bottom line: Bloomsburg edges out Chambersburg on most key metrics. While cap rates are moderate at 3.32%, Bloomsburg's overall profile is stronger. Use our free calculators to model specific deals in Bloomsburg or Chambersburg.

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Bloomsburg, PA
3.32% cap rate · $240,000 median · $1,170/mo
Full analysis →
Chambersburg, PA
2.65% cap rate · $280,000 median · $1,200/mo
Full analysis →

Frequently Asked Questions

Is Bloomsburg or Chambersburg better for rental investing?
Bloomsburg wins 3–0 across our 7 key metrics (cap rate, 1% rule, GRM, taxes, vacancy, growth, appreciation). Bloomsburg's 3.32% cap rate and $240K median price offer both higher returns and a lower entry point.
What is the cap rate difference between Bloomsburg and Chambersburg?
Bloomsburg has a 3.32% cap rate vs Chambersburg's 2.65% — a difference of 0.66 percentage points. This is a relatively small difference — other factors like growth, taxes, and local market conditions may matter more. For context, the national average is 3.81%.
Which city has lower property taxes?
Chambersburg has lower property taxes at 1.38% vs 1.38%. On a $260K property, that's a difference of approximately $552/year in tax expense — money that goes directly to (or from) your cash flow.
Which city is growing faster?
Bloomsburg is growing at 0.2% annually vs Chambersburg's 0.2%. Both cities have slow growth — focus on the strongest neighborhoods. Bloomsburg's appreciation rate of 2.3% also leads on home value growth.

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