Carlisle, Pennsylvania.
Typical home $326,243 (+3.1% in a year), asking rent $1,391 (+2.5%). Harrisburg-Carlisle, PA metro.
to buy the typical home at today's mortgage rate — +$929 (+119%) since Jan 2020.
- 1 year
- Up $9,717 +3%
- $316,526$326,243 since Sep 2025
- 5 years
- Up $77,147 +31%
- $249,096$326,243 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Carlisle$1,712
- Pennsylvania$1,507
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Carlisle, PA rose 3.1% over the past year — faster than the nation's +1.2%.
Asking rents in Carlisle, PA rose 2.5% over the past year — slower than the nation's +2.7%.
Owning the typical home in Carlisle runs $990/mo more than renting one. The gap peaked at $992 in Oct 2023.
That is $2,380 a month against $1,391 rent: a $1,712 mortgage payment, plus $319 property tax and $349 insurance & upkeep.
Owning vs renting — Carlisle
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,380
- Renting$1,391
- Mortgage only$1,712
Property tax · $319/mo 1.17% of value a year — the ACS 2020-2024 median bill over the median home value for Cumberland County, PA
Insurance & upkeep · $349/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Carlisle, Cumberland County, Pennsylvania
Carlisle is a borough of 20,118 people in Cumberland County. Half its households earn more than $61,720 a year and half less, against $87,494 across Cumberland County; 15% of its people live below the poverty line. 49% of its homes are lived in by their owners and 51% are rented. Unemployment in Cumberland County was 3.3% in August 2026, and the county had 0.1% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Carlisle is a borough in Cumberland County, home to a college and a long military history. The population is younger than in many towns, and incomes run well below the county's. Fewer homes are lived in by their owners than across much of the country, so renting is common. Winters are cold and snowy, while summers turn warm, and rain falls steadily through the year.
Work. Most residents work in schools, hospitals and social care, with shops, restaurants and hotels, and professional and business services close behind. Among the biggest workplaces in Carlisle are Dickinson College, the Giant Distribution Center and Carlisle Area Schools. Commutes are fairly short, and a modest number of people work from home.
Things to do. In or beside town, the U.S. Army Heritage and Education Center is a museum of American military history, and the Hessian Powder Magazine is a small museum in an old powder store. A short drive away, Kings Gap Environmental Education and Training Center is a protected area for walking, and Williams Grove Amusement Park offers rides. Hersheypark, a larger amusement park, is a longer drive.
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- 9,223households
- 38%of adults have a degree
- 15%below the poverty line
- 19 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. Cumberland County had 137,858 jobs in 2025, 0.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 38° and lows near 20°; warmest in July, with highs near 86° and lows near 62°. About 28 inches of snow and 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Carlisle Wtp weather station, 2 miles away (NOAA).
Largest workplaces in Carlisle
- Dickinson CollegeUniversity or college895
- Giant Distribution CenterGeneral warehousing and storag742
- Carlisle Area SDSchool district594FTE
- WalmartWarehouse clubs and supercenters380
- The Arc of Cumberland and Perry CountiesDay care centers for disabled persons, the elderly, and persons diagnosed with intellectual and developmental disabilities361
- Geodis LogisticsGeneral warehousing and storage295
- Chapel Pointe of CarlisleSkilled nursing facilities284
- Giant Food StoresGrocery stores273
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 23 workplaces with 20 or more staff, 4,007 people in all. Colleges come from IPEDS (NCES, 2023–24) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively high
- Strong windRelatively high
- Inland floodingrelatively high in parts of CarlisleRelatively moderate
- LightningRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Carlisle’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Cumberland County and the Harrisburg-Carlisle, PA metro.
Carlisle home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Carlisle$326,243
- Pennsylvania$287,078
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Carlisle listings, and the typical home goes pending in 9 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Carlisle27.85%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Carlisle9
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Carlisle136
New listings per month
Sellers arriving at the market.
- Carlisle62
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Carlisle$315,901
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Carlisle100.04%
Zip codes with a Carlisle address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Carlisle — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Carlisle
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 17013 | Carlisle | 38,513 | $1,313 | $281,431 |
| 17015 | Carlisle | 24,385 | $2,030 | $390,037 |