Census tract · Franklin County
Census Tract 109, Franklin County, Pennsylvania
Census Tract 109, GEOID 42055010900, in Franklin County, Pennsylvania, entirely within Chambersburg. 4,950 residents in the ACS 2020-2024 5-year estimates (±742); the 2020 Census counted 4,936.
Residents, 2020-2024
4,950
±742 (90% margin)
2020 Census count: 4,936
Median household income
$65,129
±$14,850 (90% margin)
Franklin County: $77,003
Median home value
$213,600
±$18,109 (90% margin)
Franklin County: $249,800
Median gross rent
$1,045
±$161 (90% margin)
Franklin County: $1,093
Where is Census Tract 109?
Census Tract 109 is one of 33 census tracts in Franklin County, Pennsylvania. It covers 1.96 square miles of land, 2,516 residents per square mile in 2020. Its GEOID, 42055010900, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Chambersburg | 100% |
5 census tracts border Census Tract 109: Tract 104.02 ($76,172), Tract 106 ($83,317), Tract 108 ($60,502), Tract 110 ($48,851) and Tract 111 ($61,959). 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 109?
The 2020-2024 American Community Survey puts Census Tract 109's population at 4,950 (±742) in 2,055 households; the 2020 Census counted 4,936 residents and 2,159 housing units.
| Measure | Tract 109 | Chambersburg |
|---|---|---|
| Total population | 4,950 ±742 | 22,319 |
| Households | 2,055 ±264 | 9,839 |
| Average household size | 2.39 ±0.32 | 2.19 |
| Housing units | 2,192 ±240 | 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 109?
The median resident of Census Tract 109 is 40.3 years old; 17.2% are under 18 and 19.4% are 65 or older. The largest group is non-Hispanic white residents at 75.0%, then Hispanic or Latino residents (of any race) at 17.6%. 6.0% of residents were born outside the United States.
| Measure | Tract 109 | Chambersburg |
|---|---|---|
| Median age | 40.3 ±4.2 | 39.6 |
| Under 18 years | 17.2% ±5.1 pts | 19.8% |
| 65 years and over | 19.4% ±3.8 pts | 19.0% |
| Hispanic or Latino (any race) | 17.6% ±8.6 pts | 22.6% |
| White alone, not Hispanic | 75.0% ±8.2 pts | 65.6% |
| Black or African American alone, not Hispanic | 6.0% ±3.8 pts | 7.0% |
| Asian alone, not Hispanic | 0.5% ±0.8 pts | 0.8% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.7 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.7 pts | 0.0% |
| Two or more races, not Hispanic | 0.9% ±0.9 pts | 4.1% |
| Some other race alone, not Hispanic | 0.0% ±0.7 pts | 0.0% |
| Born outside the United States | 6.0% ±3.6 pts | 7.4% |
| Speak a language other than English at home (age 5+) | 10.1% ±5.9 pts | 17.6% |
| Civilian veterans (age 18+) | 10.8% ±4.0 pts | 7.8% |
| With a disability | 24.6% ±7.2 pts | 22.9% |
| No health insurance coverage | 7.2% ±5.2 pts | 9.0% |
| High school graduate or higher (age 25+) | 94.1% ±4.0 pts | 91.0% |
| Bachelor's degree or higher (age 25+) | 26.9% ±7.0 pts | 27.3% |
| Graduate or professional degree (age 25+) | 14.1% ±5.1 pts | 11.9% |
| Lived in the same house a year earlier | 87.5% ±6.8 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 109 earn?
Half of the 2,055 households in Census Tract 109 earn less than $65,129 a year (±$14,850), against $77,003 across Franklin County: 26th highest of the county's 33 tracts with a reliable estimate. 14.5% of residents live below the poverty line.
| Measure | Tract 109 | Chambersburg |
|---|---|---|
| Median household income | $65,129 ±$14,850 | $56,576 |
| Mean household income | $78,874 ±$11,697 | $73,278 |
| Per capita income | $35,068 ±$5,549 | $33,172 |
| People below the poverty line | 14.5% ±7.9 pts | 15.3% |
| Children under 18 below the poverty line | 19.0% ±19.6 pts | 17.9% |
| Households receiving SNAP | 17.1% ±6.6 pts | 19.5% |
| Households with a computer | 95.1% ±3.2 pts | 93.1% |
| Households with a broadband subscription | 88.9% ±5.4 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 109?
Owners occupy 59.6% of Census Tract 109's occupied homes and renters 40.4%. The median owner-occupied home is valued at $213,600 by its owner (±$18,109). The median renter pays $1,045 a month including utilities, and 47.4% of renters pay 35% or more of their income on rent.
| Measure | Tract 109 | Chambersburg |
|---|---|---|
| Median home value (owner-occupied) | $213,600 ±$18,109 | $215,000 |
| Median gross rent | $1,045 ±$161 | $1,099 |
| Renters paying 35% or more of income on rent | 47.4% ±17.8 pts | 34.4% |
| Median monthly owner costs, with a mortgage | $1,355 ±$106 | $1,382 |
| Owner-occupied homes | 59.6% ±8.4 pts | 42.7% |
| Renter-occupied homes | 40.4% ±8.4 pts | 57.3% |
| Housing units | 2,192 ±240 | 10,329 |
| Single-family detached homes | 45.0% ±10.0 pts | 39.1% |
| Mobile homes | 0.4% ±0.6 pts | 0.3% |
| Built 2020 or later | 0.0% ±1.5 pts | 0.8% |
| Built 2010 to 2019 | 3.9% ±2.5 pts | 6.5% |
| Built 1939 or earlier | 31.8% ±7.1 pts | 23.7% |
| Households with no vehicle | 7.7% ±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 109 get to work?
68.4% of Census Tract 109's workers drive alone and 16.4% work from home. The average trip to work takes 16.0 minutes. The unemployment rate in 2020-2024 averaged 6.8%.
| Measure | Tract 109 | Chambersburg |
|---|---|---|
| In the labor force (age 16+) | 61.5% ±7.8 pts | 60.7% |
| Unemployment rate | 6.8% ±3.9 pts | 7.8% |
| Drove alone to work | 68.4% ±8.8 pts | 76.5% |
| Carpooled | 4.4% ±3.3 pts | 6.1% |
| Public transportation | 0.0% ±1.4 pts | 0.2% |
| Walked | 7.0% ±8.5 pts | 5.1% |
| Worked from home | 16.4% ±6.7 pts | 9.8% |
| Mean travel time to work | 16.0 min ±2.6 | 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 109 compare with the other tracts in Franklin County?
Among Franklin County's tracts with a reliable estimate, Census Tract 109 ranks as shown below (1 = highest).
| Measure | In Franklin County | In Chambersburg |
|---|---|---|
| Population | 11th of 33 | 2nd of 5 |
| Residents per square mile | 8th of 33 | 5th of 5 |
| Median household income | 26th of 33 | 1st of 5 |
| Per capita income | 26th of 33 | 2nd of 5 |
| Median home value | 27th of 33 | 3rd of 5 |
| Median gross rent | 17th of 31 | 4th of 5 |
| Poverty rate | 5th of 20 | 3rd of 5 |
| Bachelor's degree or higher | 13th of 33 | 3rd of 5 |
| Median age | 23rd of 33 | 3rd of 5 |
| Owner-occupied share | 26th of 33 | 1st of 5 |
The tracts next to it on Franklin County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 103.02 | 23rd | $66,933±$16,864 · within the margin of this tract |
| Tract 125.02 | 24th | $65,764±$10,329 · within the margin of this tract |
| Tract 122 | 25th | $65,438±$6,895 · within the margin of this tract |
| Tract 109 | 26th | $65,129±$14,850 |
| 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 · 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 109?
1 of the 18 figures for Census Tract 109 on this page carries a coefficient of variation over 40% and is 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