Census tract · Franklin County
Census Tract 108, Franklin County, Pennsylvania
Census Tract 108, GEOID 42055010800, in Franklin County, Pennsylvania, entirely within Chambersburg. 3,891 residents in the ACS 2020-2024 5-year estimates (±410); the 2020 Census counted 3,933.
Residents, 2020-2024
3,891
±410 (90% margin)
2020 Census count: 3,933
Median household income
$60,502
±$6,369 (90% margin)
Franklin County: $77,003
Median home value
$204,400
±$14,722 (90% margin)
Franklin County: $249,800
Median gross rent
$1,123
±$72 (90% margin)
Franklin County: $1,093
Where is Census Tract 108?
Census Tract 108 is one of 33 census tracts in Franklin County, Pennsylvania. It covers 1.52 square miles of land, 2,591 residents per square mile in 2020. Its GEOID, 42055010800, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Chambersburg | 100% |
4 census tracts border Census Tract 108: Tract 106 ($83,317), Tract 107.02 ($57,441), Tract 109 ($65,129) and Tract 110 ($48,851). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 108?
The 2020-2024 American Community Survey puts Census Tract 108's population at 3,891 (±410) in 1,983 households; the 2020 Census counted 3,933 residents and 1,972 housing units.
| Measure | Tract 108 | Chambersburg |
|---|---|---|
| Total population | 3,891 ±410 | 22,319 |
| Households | 1,983 ±223 | 9,839 |
| Average household size | 1.87 ±0.13 | 2.19 |
| Housing units | 2,065 ±220 | 10,329 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 108?
The median resident of Census Tract 108 is 51.0 years old; 14.0% are under 18 and 28.8% are 65 or older. The largest group is non-Hispanic white residents at 81.8%, then Hispanic or Latino residents (of any race) at 9.1%.
| Measure | Tract 108 | Chambersburg |
|---|---|---|
| Median age | 51.0 ±6.0 | 39.6 |
| Under 18 years | 14.0% ±2.5 pts | 19.8% |
| 65 years and over | 28.8% ±5.7 pts | 19.0% |
| Hispanic or Latino (any race) | 9.1% ±6.4 pts | 22.6% |
| White alone, not Hispanic | 81.8% ±7.8 pts | 65.6% |
| Black or African American alone, not Hispanic | 0.0% ±0.8 pts | 7.0% |
| Asian alone, not Hispanic | 1.4% ±2.9 pts | 0.8% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.8 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.8 pts | 0.0% |
| Two or more races, not Hispanic | 7.7% ±5.1 pts | 4.1% |
| Some other race alone, not Hispanic | 0.0% ±0.8 pts | 0.0% |
| Born outside the United States | 7.5% ±6.1 pts | 7.4% |
| Speak a language other than English at home (age 5+) | 8.8% ±6.5 pts | 17.6% |
| Civilian veterans (age 18+) | 8.9% ±3.1 pts | 7.8% |
| With a disability | 17.8% ±5.4 pts | 22.9% |
| No health insurance coverage | 1.7% ±1.5 pts | 9.0% |
| High school graduate or higher (age 25+) | 93.9% ±3.5 pts | 91.0% |
| Bachelor's degree or higher (age 25+) | 36.4% ±6.8 pts | 27.3% |
| Graduate or professional degree (age 25+) | 15.3% ±6.1 pts | 11.9% |
| Lived in the same house a year earlier | 86.6% ±7.2 pts | 87.3% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 108 earn?
Half of the 1,983 households in Census Tract 108 earn less than $60,502 a year (±$6,369), against $77,003 across Franklin County: 29th highest of the county's 33 tracts with a reliable estimate. 9.3% of residents live below the poverty line.
| Measure | Tract 108 | Chambersburg |
|---|---|---|
| Median household income | $60,502 ±$6,369 | $56,576 |
| Mean household income | $81,283 ±$10,499 | $73,278 |
| Per capita income | $43,030 ±$5,408 | $33,172 |
| People below the poverty line | 9.3% ±4.6 pts | 15.3% |
| Children under 18 below the poverty line | 13.2% ±12.8 pts | 17.9% |
| Households receiving SNAP | 6.9% ±3.7 pts | 19.5% |
| Households with a computer | 89.9% ±4.1 pts | 93.1% |
| Households with a broadband subscription | 82.4% ±5.8 pts | 87.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 108?
Owners occupy 52.1% of Census Tract 108's occupied homes and renters 47.9%. The median owner-occupied home is valued at $204,400 by its owner (±$14,722). The median renter pays $1,123 a month including utilities, and 52.8% of renters pay 35% or more of their income on rent.
| Measure | Tract 108 | Chambersburg |
|---|---|---|
| Median home value (owner-occupied) | $204,400 ±$14,722 | $215,000 |
| Median gross rent | $1,123 ±$72 | $1,099 |
| Renters paying 35% or more of income on rent | 52.8% ±14.3 pts | 34.4% |
| Median monthly owner costs, with a mortgage | $1,292 ±$98 | $1,382 |
| Owner-occupied homes | 52.1% ±9.6 pts | 42.7% |
| Renter-occupied homes | 47.9% ±9.6 pts | 57.3% |
| Housing units | 2,065 ±220 | 10,329 |
| Single-family detached homes | 46.8% ±8.7 pts | 39.1% |
| Mobile homes | 1.1% ±1.7 pts | 0.3% |
| Built 2020 or later | 0.0% ±1.6 pts | 0.8% |
| Built 2010 to 2019 | 2.9% ±2.6 pts | 6.5% |
| Built 1939 or earlier | 3.1% ±2.7 pts | 23.7% |
| Households with no vehicle | 7.2% ±4.5 pts | 9.5% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 108 get to work?
83.9% of Census Tract 108's workers drive alone and 5.2% work from home. The average trip to work takes 14.9 minutes. The unemployment rate in 2020-2024 averaged 5.0%.
| Measure | Tract 108 | Chambersburg |
|---|---|---|
| In the labor force (age 16+) | 59.5% ±6.0 pts | 60.7% |
| Unemployment rate | 5.0% ±2.9 pts | 7.8% |
| Drove alone to work | 83.9% ±6.0 pts | 76.5% |
| Carpooled | 7.3% ±4.6 pts | 6.1% |
| Public transportation | 0.0% ±1.7 pts | 0.2% |
| Walked | 2.9% ±3.0 pts | 5.1% |
| Worked from home | 5.2% ±3.3 pts | 9.8% |
| Mean travel time to work | 14.9 min ±4.3 | 16.5 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 108 compare with the other tracts in Franklin County?
Among Franklin County's tracts with a reliable estimate, Census Tract 108 ranks as shown below (1 = highest).
| Measure | In Franklin County | In Chambersburg |
|---|---|---|
| Population | 25th of 33 | 4th of 5 |
| Residents per square mile | 7th of 33 | 4th of 5 |
| Median household income | 29th of 33 | 3rd of 5 |
| Per capita income | 9th of 33 | 1st of 5 |
| Median home value | 30th of 33 | 4th of 5 |
| Median gross rent | 13th of 31 | 2nd of 5 |
| Poverty rate | 8th of 20 | 4th of 5 |
| Bachelor's degree or higher | 3rd of 33 | 1st of 5 |
| Median age | 3rd of 33 | 1st of 5 |
| Owner-occupied share | 29th of 33 | 2nd of 5 |
The tracts next to it on Franklin County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 109 | 26th | $65,129±$14,850 · within the margin of this tract |
| Tract 121 | 27th | $63,866±$5,794 · within the margin of this tract |
| Tract 111 | 28th | $61,959±$11,647 · within the margin of this tract |
| Tract 108 | 29th | $60,502±$6,369 |
| Tract 123 | 30th | $59,539±$15,341 · within the margin of this tract |
| Tract 107.02 | 31st | $57,441±$8,943 · within the margin of this tract |
| Tract 112 | 32nd | $54,329±$7,480 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 108?
3 of the 18 figures for Census Tract 108 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections