Sept. 23, 2026

Pennsylvania Multifamily & Income Properties for Sale: 28 Listings from $1.15M to $1.25M September 23 2026

Pennsylvania Investment Real Estate

Pennsylvania Multifamily & Income Properties for Sale: 28 Listings from $1.15M to $1.25M

Fully leased triplexes, value-add apartment buildings, mixed-use corners and live/work properties, all priced between $1,150,000 and $1,250,000.

Around $1.2 million, Pennsylvania's income-property market offers very different strategies at the same price. You can buy a stabilized triplex with tenants paying their own utilities, a 15-unit building that needs work, a duplex you live in while the other side pays the mortgage, or a mixed-use corner with a business on the ground floor. This roundup collects 28 multifamily and income listings statewide, grouped by region, starting with South Central PA.

Want rent rolls, a walk-through or help running the numbers on an offer? Call or text Jay Starr at 717-658-0177 or email Jay@Jaystarr.com.

South Central PA, Lancaster & Berks

Closest to Jay's home base in Chambersburg: a fully rented townhome building in Carlisle, renovated and owner-occupant options in Lancaster City, and a 15-unit value-add building in Shillington.

10-16 Morgan Circle, Carlisle, PA income property for sale $1,200,000

10-16 Morgan Circle, Carlisle, PA

4 units · Townhome building

A fully rented, turnkey building of four townhome-style units in Carlisle, just up the Cumberland Valley from Chambersburg.

Listing courtesy of New Home Star Pennsylvania LLC

View Listing & Photos →
449 W King St, Lancaster, PA income property for sale $1,225,500

449 W King St, Lancaster, PA

5 units + parking · Apartment building

A fully occupied five-unit building four blocks from the heart of Lancaster City. It was renovated inside and out in 2022, each unit has its own laundry and HVAC, and a 14-space private lot adds parking income.

Listing courtesy of Iron Valley Real Estate of Lancaster

View Listing & Photos →
138 N Mulberry Street, Lancaster, PA income property for sale $1,200,000

138 N Mulberry Street, Lancaster, PA

3 residences · Two units + carriage house

Two rented 2-bedroom city units with private outdoor space, plus a move-in-ready 3-bedroom carriage house with radiant floor heat, a courtyard and its own driveway. An appealing owner-occupant setup.

Listing courtesy of Berkshire Hathaway HomeServices Homesale Realty

View Listing & Photos →
200 W Lancaster Ave, Reading (Shillington), PA income property for sale $1,200,000

200 W Lancaster Ave, Reading (Shillington), PA

15 units · Value-add building

A 15-unit, circa-1910 brick building on a level 0.3-acre lot in downtown Shillington, with garages and surface parking and a clean Phase I environmental report. Its below-average condition leaves clear value-add upside.

Listing courtesy of Destination Realty LLC

View Listing & Photos →

Central PA, the Lehigh Valley & the Poconos

Income properties outside the big metros, including a three-unit rental near Penn State, a five-acre live/work property in the Poconos and two commercial buildings with established uses.

820 S Pugh St, State College, PA income property for sale $1,250,000

820 S Pugh St, State College, PA

3 units · Near Penn State

An R3H-zoned three-unit property near Penn State, rented under a single lease with no vacancy history and permits on file for more occupants than it currently houses. The kitchens and baths have been remodeled and the water heaters are new.

Listing courtesy of Kissinger, Bigatel & Brower

View Listing & Photos →
857 W 3rd St, Williamsport, PA income property for sale $1,250,000

857 W 3rd St, Williamsport, PA

Commercial · Restaurant building

A fully equipped corner restaurant building near Pennsylvania College of Technology, with a drive-thru, fenced outdoor dining and a commercial kitchen. The current business can be purchased separately.

Listing courtesy of Iron Valley Real Estate North Central PA

View Listing & Photos →
40 Brushy Mountain Rd, East Stroudsburg, PA income property for sale $1,180,000

40 Brushy Mountain Rd, East Stroudsburg, PA

3 units + shop · 5 acres

A three-unit residential building on five acres near the NJ border, with rental income in place, one unit vacant for an owner or new tenant, and a large garage/shop/office with tools and equipment available. No HOA.

Listing courtesy of Keller Williams Real Estate - Bethlehem

View Listing & Photos →
1422 Main St, Catasauqua, PA income property for sale $1,200,000

1422 Main St, Catasauqua, PA

Commercial · Garden center

A garden center that has operated for more than 60 years, with 15 greenhouses totaling over 22,000 square feet of growing space on highly visible grounds along Main Street.

Listing courtesy of RE/MAX Unlimited Real Estate

View Listing & Photos →

Philadelphia's Suburbs

Main Line and Montgomery County options, from a fully leased Bala Cynwyd triplex to a Newtown Square duplex set up for house-hacking.

115 Montgomery Ave, Bala Cynwyd, PA income property for sale $1,250,000

115 Montgomery Ave, Bala Cynwyd, PA

3 units + garage · Fully leased

A fully occupied triplex plus a separately rented garage, generating $9,370 per month in gross rent. Tenants pay their own electric and gas, and the driveway parks 10+ vehicles.

Listing courtesy of EXP Realty, LLC

View Listing & Photos →
1420 Pennsylvania Ave, Berwyn, PA income property for sale $1,249,000

1420 Pennsylvania Ave, Berwyn, PA

Victorian · Home with in-law suite

A late-1800s Victorian on more than an acre, with soaring ceilings, multiple fireplaces and a grandfathered third-floor in-law suite with its own kitchen. Possible multi-unit use is subject to the buyer's own due diligence.

Listing courtesy of Keller Williams Realty Devon-Wayne

View Listing & Photos →
3554-3556 Woodcrest Ave, Newtown Square, PA income property for sale $1,200,000

3554-3556 Woodcrest Ave, Newtown Square, PA

2 residences · 4,454 sq ft duplex

Two side-by-side townhome-style residences (3BR/2.5BA and 4BR/3.5BA), each with three finished levels, bringing in $6,010 per month combined. Upcoming tenant turnover makes it a flexible owner-occupant or investor purchase.

Listing courtesy of Long & Foster Real Estate, Inc

View Listing & Photos →
219 E Main St, Norristown, PA income property for sale $1,200,000

219 E Main St, Norristown, PA

Mixed use · Tavern + apartment

A downtown Norristown mixed-use building with a ground-floor tavern, an "R" liquor license and a kitchen, plus a three-bedroom apartment upstairs with a separate entrance. The retiring owner will train a new operator.

Listing courtesy of Home Max Realty

View Listing & Photos →

Philadelphia: Center City & South Philly

Triplexes and small buildings in Washington Square West, Graduate Hospital, Queen Village, South Broad Street, Pennsport and Bella Vista, most with tenants and rent rolls already in place.

1108 Locust St, Philadelphia, PA income property for sale $1,200,000

1108 Locust St, Philadelphia, PA

3 units · Fully occupied

A fully occupied Washington Square West triplex of three 1-bedroom apartments bringing in $6,500 per month, with separate gas and electric meters, individual water heaters, central air and in-unit laundry in every unit.

Listing courtesy of EXP Realty, LLC

View Listing & Photos →
1637 Carpenter St, Philadelphia, PA income property for sale $1,200,000

1637 Carpenter St, Philadelphia, PA

3 units · Fully occupied

A fully occupied Graduate Hospital triplex with high-end finishes, including custom cabinetry, Porcelanosa tile and in-unit laundry, and a shared roof deck with skyline views that was renovated in late 2025.

Listing courtesy of KW Empower

View Listing & Photos →
626 S 7th St, Philadelphia, PA income property for sale $1,200,000

626 S 7th St, Philadelphia, PA

Mixed use · Corner live/work

A Queen Village corner property with an improved ground-floor commercial space and attached garage, below a custom bi-level residence ("Sky House") with two private roof decks and two fireplaces. Two more apartments are permitted by right.

Listing courtesy of SERHANT PENNSYLVANIA LLC

View Listing & Photos →
1413 S Broad St, Philadelphia, PA income property for sale $1,200,000

1413 S Broad St, Philadelphia, PA

3 units · Separately metered

A South Broad Street mansion converted in 2014 into three separately metered apartments (3BR/2.5BA, 2BR and 2BR), with a 25-foot sun deck, private decks and two-car parking behind a secured garage door.

Listing courtesy of KW Empower

View Listing & Photos →
1228–30 S 2nd St & 1231 S Philip St, Philadelphia, PA income property for sale $1,200,000

1228–30 S 2nd St & 1231 S Philip St, Philadelphia, PA

7 units · Pennsport package

A seven-unit package (1228–30 S 2nd St and 1231 S Philip St) with five 2-bedroom and two 1-bedroom apartments averaging $1,551 per month in place, leaving room to raise rents on turnover.

Listing courtesy of TCS Management, LLC

View Listing & Photos →
925 S 11th St, Philadelphia, PA income property for sale $1,190,000

925 S 11th St, Philadelphia, PA

2 units · Renovated duplex

A fully renovated, currently vacant duplex near the Italian Market with a 2BR/1BA unit and a 4BR/2BA unit. It's zoned RM-1, and first-floor commercial use may be possible subject to city approvals.

Listing courtesy of First Choice Real Estate Group

View Listing & Photos →

Philadelphia: North, West & Northwest

Northern Liberties, Francisville, the Temple and Drexel corridors, West Philadelphia and Roxborough, with a mix of stabilized income, tax abatements and value-add upside.

1010 N 5th St, Philadelphia, PA income property for sale $1,150,000

1010 N 5th St, Philadelphia, PA

4 units · Northern Liberties

A legal four-unit brick building in Northern Liberties with separate utilities, a rear bi-level 2-bedroom with a private entrance, a yard and parking, plus a non-conforming fifth studio that offers conversion potential.

Listing courtesy of JG Real Estate LLC

View Listing & Photos →
920 N 15th St, Philadelphia, PA income property for sale $1,200,000

920 N 15th St, Philadelphia, PA

3 units · Tax abatement

A stabilized corner triplex in Francisville with about six years left on a 100% tax abatement, designer kitchens, in-unit laundry and a bi-level roof deck with Center City views.

Listing courtesy of Howard Hanna Real Estate Services

View Listing & Photos →
1542 N 15th St, Philadelphia, PA income property for sale $1,200,000

1542 N 15th St, Philadelphia, PA

5 units · Mixed use

A fully occupied mixed-use property one block from Temple University, with a long-term commercial tenant and four residential units producing about $101,500 per year. A block-to-block lot comes with new-construction plans.

Listing courtesy of RE/MAX Select Group

View Listing & Photos →
1517 N 15th St, Philadelphia, PA income property for sale $1,200,000

1517 N 15th St, Philadelphia, PA

9 units · Value-add

A nine-unit Second Empire-style building near Temple University with a cut-stone façade and mansard roof. Seven units are occupied, and the projected stabilized gross rent is about $141,000 per year. Sold as-is.

Listing courtesy of Keller Williams Liberty Place

View Listing & Photos →
2409 Ridge Ave & 2404 W Montgomery Ave, Philadelphia, PA income property for sale $1,170,000

2409 Ridge Ave & 2404 W Montgomery Ave, Philadelphia, PA

5 units · 2 buildings

Two newer-construction buildings sold together, a Ridge Avenue triplex and a Montgomery Avenue duplex, with about five years left on the tax abatement, smart-home features and two roof decks. Four of the five units are occupied.

Listing courtesy of Mercury Real Estate Group

View Listing & Photos →
2101-2109 W Diamond St, Philadelphia, PA income property for sale $1,225,000

2101-2109 W Diamond St, Philadelphia, PA

14 units · 7-property portfolio

A contiguous corner assemblage of seven properties on W Diamond and N 21st Streets: about 23,000 square feet of buildings on roughly 10,795 square feet of land, with nine residential and five commercial units per public records.

Listing courtesy of Compass Pennsylvania, LLC

View Listing & Photos →
929 N 40th St, Philadelphia, PA income property for sale $1,188,250

929 N 40th St, Philadelphia, PA

6 units · Mixed use

One commercial unit on a five-year lease with 3% annual increases plus five residential units, grossing $107,904 per year with a stated in-place cap rate of 8%.

Listing courtesy of Keller Williams Liberty Place

View Listing & Photos →
516 N 34th St, Philadelphia, PA income property for sale $1,250,000

516 N 34th St, Philadelphia, PA

4 units · 12 bedrooms

Four renovated 3-bedroom apartments near Drexel University, fully leased for the 2026–2027 academic year at $7,975 per month gross, with central air and in-unit laundry.

Listing courtesy of Plus Realtors

View Listing & Photos →
207 Rector St, Philadelphia, PA income property for sale $1,250,000

207 Rector St, Philadelphia, PA

4 units · 4,680 sq ft

A masonry quadruplex in Roxborough with 4,680 finished square feet, a heated attached garage, off-street parking and no association fees.

Listing courtesy of Kershaw Real Estate

View Listing & Photos →
4117 Decatur St, Philadelphia, PA income property for sale $1,249,000

4117 Decatur St, Philadelphia, PA

Mixed use · Business + apartment

A long-established, ADA-accessible funeral home sold with its business, a 3-bedroom upstairs apartment, a parking lot and garage/office, and a buildable rear lot, across three parcels.

Listing courtesy of Christopher Real Estate Services

View Listing & Photos →

Listing information is deemed reliable but not guaranteed and was current as of September 23, 2026. Rents, income, cap rates, unit counts, zoning and tax abatements are as reported by the listing brokerages and have not been independently verified; buyers should review leases, financials and municipal records during due diligence. Listings are held by the brokerages credited on each property and are shown here for informational purposes. Photos are provided by the listing brokerages. Jay Starr, RE/MAX 1st Advantage, supports the principles of the Fair Housing Act and the Equal Opportunity Act.

Sept. 23, 2026

Pennsylvania Land for Sale: 29 Farms, Acreage and Development Sites from $1.45M to $1.8M September 23 2026

Pennsylvania Land & Acreage

Pennsylvania Land for Sale: 29 Farms, Acreage and Development Sites from $1.45M to $1.8M

Approved subdivisions, working farms, I-81 and I-78 commercial frontage, mountain acreage and Main Line homesites, all priced between $1,450,000 and $1,800,000.

Land is priced by more than acreage. Zoning, road frontage, utilities, approvals and location all shape what a parcel is worth and what it can become. That's why a budget of around $1.5 million can buy 204 acres in Blair County or a single two-acre homesite in Berwyn. This roundup collects 29 land and development listings across Pennsylvania, grouped by region, starting with the Cumberland Valley near Chambersburg.

To walk a property, ask about zoning and utilities, or talk through an offer, call or text Jay Starr at 717-658-0177 or email Jay@Jaystarr.com.

South Central PA & the Cumberland Valley

These parcels are closest to home for Jay Starr and RE/MAX 1st Advantage in Chambersburg. They range from an approved subdivision in Greencastle to I-81 industrial frontage in Shippensburg and working farmland along the Newburg Run.

34.77 Acres Red Oak Estate S, Greencastle, PA residential development for sale $1,750,000

34.77 Acres Red Oak Estate S, Greencastle, PA

Residential Development · 34.77 acres

Red Oak Estates offers an approved 37-lot plan (Lots 9–28 and 63–79) on 34.77 acres, laid out with large lots and ready for a builder to finish the phase.

Listing courtesy of Samson Properties

View Listing & Photos →
Mt Rock Rd, Shippensburg, PA industrial/commercial for sale $1,500,000

Mt Rock Rd, Shippensburg, PA

Industrial/Commercial · 11.96 acres

Just off I-81 at Exit 24, this 11.96-acre industrial/commercial site is already subdivided into three parcels of about four acres each, with public water and sewer available.

Listing courtesy of Berkshire Hathaway HomeServices Homesale Realty

View Listing & Photos →
239 Newburg Rd, Newburg, PA farm for sale $1,499,000

239 Newburg Rd, Newburg, PA

Farm · 73 acres

A 73-acre Cumberland Valley farm bordered by the Newburg Run, with about 55 tillable acres, roughly 10 wooded acres around a pond, a full set of outbuildings and an 1873 brick farmhouse, about 6 miles from Shippensburg.

Listing courtesy of Beiler-Campbell Realtors-Quarryville

View Listing & Photos →
61 Fairfield St, Newville, PA redevelopment site for sale $1,500,000

61 Fairfield St, Newville, PA

Redevelopment Site · Vacant lot

The former Newville Shoe Factory site at Fairfield and Washington Streets, a vacant lot served by the Newville Water & Sewer Authority and sold as-is.

Listing courtesy of Keller Williams of Central PA

View Listing & Photos →
LOT 9B Technology Pkwy, Mechanicsburg, PA office park for sale $1,632,000

LOT 9B Technology Pkwy, Mechanicsburg, PA

Office Park · 5.44–25 acres

Building sites from 5.44 to 25 acres at Cumberland Technology Park in Hampden Township, zoned Office Park, just off the I-81 Wertzville Road interchange.

Listing courtesy of RSR, REALTORS, LLC

View Listing & Photos →
Carlisle Rd, Aspers, PA farm & orchard for sale $1,500,000

Carlisle Rd, Aspers, PA

Farm & Orchard · About 58 acres

In the Adams County fruit belt: about 56 tillable acres of crops and orchard plus a wooded acre and a one-acre pond, with two wells, gas line access, electric service on site and ample road frontage. The sellers may consider two parcels.

Listing courtesy of RE/MAX of Gettysburg

View Listing & Photos →
Manada Gap Rd, Grantville, PA residential land for sale $1,500,000

Manada Gap Rd, Grantville, PA

Residential Land · 31 acres

Thirty-one acres zoned Village Residential with mountain and farmland views, a stream, frontage on Dry Run and Manada Gap Roads, and a township park next door. Close to Hershey and Harrisburg.

Listing courtesy of Berkshire Hathaway HomeServices Homesale Realty

View Listing & Photos →

Central & Northern Pennsylvania

Big acreage at a price per acre that's hard to match closer to the cities: mountain land, an equestrian farm, rail-served industrial ground and a wooded retreat bordered by State Game Lands.

Steele Hollow Rd, Julian, PA acreage for sale $1,650,000

Steele Hollow Rd, Julian, PA

Acreage · 83 acres

Eighty-three acres on the Allegheny Mountain in Huston Township, with a mix of tillable open fields and mountain forest, panoramic views and road frontage.

Listing courtesy of Ryen Realty LLC

View Listing & Photos →
4503 Scotch Valley Rd, Hollidaysburg, PA equestrian farm for sale $1,549,900

4503 Scotch Valley Rd, Hollidaysburg, PA

Equestrian Farm · 204 acres

A 204-acre equestrian property with a 12-stall barn, an 80' × 120' indoor arena, an outdoor arena, 39 acres of pasture in six paddocks, about 58 tillable acres and 133 wooded acres.

Listing courtesy of Beiler-Campbell Realtors-Quarryville

View Listing & Photos →
Photos coming soon $1,499,000

10 Old State Rd, Turbotville, PA

Industrial Land · 40 acres

Forty level acres in Lewis Township with about 2,100 feet of Norfolk Southern rail frontage, industrial zoning according to the owner, a natural gas line at the front and roughly 2,000 feet of road frontage.

Listing courtesy of Coldwell Banker Realty

View Listing & Photos →
Moyers Station Rd, Schuylkill Haven, PA wooded acreage for sale $1,500,000

Moyers Station Rd, Schuylkill Haven, PA

Wooded Acreage · 73.1 acres

Two tax parcels totaling 73.1 wooded acres at the base of Blue Mountain, surrounded by State Game Lands, with a creek and waterfall, a private access road of nearly a mile and access to the Appalachian Trail.

Listing courtesy of Iron Valley Real Estate

View Listing & Photos →

Berks, Lancaster & the Lehigh Valley

Highway frontage, hotel-approved ground and residential development tracts along the I-78 and Route 100 corridors, plus one new home in Lititz.

3250 Hamilton Blvd, Allentown, PA commercial lot for sale $1,800,000

3250 Hamilton Blvd, Allentown, PA

Commercial Lot · 200 ft frontage

A Highway Commercial lot with 200 feet of frontage on Hamilton Boulevard near Cedar Crest Boulevard, across from the Dorneyville and Cedar Point plazas, with quick access to I-78 and PA 309.

Listing courtesy of Keller Williams Real Estate - Allentown

View Listing & Photos →
301 Union Blvd, Allentown, PA commercial lot for sale $1,500,000

301 Union Blvd, Allentown, PA

Commercial Lot · 1.6 acres

A 1.6-acre lot zoned Business/Light Industrial and approved for a hotel of 80+ rooms, at a signalized intersection at the east end of the Tilghman Street bridge.

Listing courtesy of Real Estate of America

View Listing & Photos →
44 Motel Dr, Shartlesville, PA highway commercial for sale $1,749,000

44 Motel Dr, Shartlesville, PA

Highway Commercial · 4.49 acres

4.49 acres with more than 700 feet of frontage facing I-78, which carries over 33,000 vehicles a day. The site is zoned Highway Commercial and a public sewer line runs through the property.

Listing courtesy of Realty One Group Exclusive

View Listing & Photos →
2091 Welsh Rd, Mohnton, PA residential development for sale $1,500,000

2091 Welsh Rd, Mohnton, PA

Residential Development · 44+ acres

More than 44 acres in Cumru Township, zoned Rural Conservation and enrolled in Clean & Green. A sketch plan for nine single-family lots has been presented to the township planning commission.

Listing courtesy of Century 21 Gold

View Listing & Photos →
170 Passmore Rd, Bechtelsville, PA acreage for sale $1,450,000

170 Passmore Rd, Bechtelsville, PA

Acreage · About 61 acres

About 61 acres with frontage on Route 100, Limekiln Road and Passmore Road and multiple zoning districts. The seller will subdivide the Route 100 corner once an offer is received.

Listing courtesy of Richard A Zuber Realty-Boyertown

View Listing & Photos →
#48 Meadowbreeze Ln, Lititz, PA new home for sale $1,745,000

#48 Meadowbreeze Ln, Lititz, PA

New Home · 3,200 sq ft

A 3,200-square-foot residence with high-end finishes, an open floor plan, a gourmet kitchen with a large island and a first-floor primary suite.

Listing courtesy of Keller Williams Elite

View Listing & Photos →

Philadelphia's Suburbs: Chester, Delaware, Montgomery & Bucks

Custom homesites on the Main Line, historic acreage in Chester County and commercial frontage in Bucks County, in areas where large parcels rarely come up for sale.

486 W Street Rd, Kennett Square, PA historic estate & land for sale $1,775,000

486 W Street Rd, Kennett Square, PA

Historic Estate & Land · 11.7± acres

An 11.7± acre property in London Grove Village, zoned Village Residential, with a circa-1830 Federal-style brick home and potential for five 2-acre lots pending township approvals.

Listing courtesy of Compass

View Listing & Photos →
3111 Sawmill Rd Unit #LOT 2, Newtown Square, PA homesite for sale $1,750,000

3111 Sawmill Rd Unit #LOT 2, Newtown Square, PA

Homesite · 5.1 acres

Lot 2 is a 5.1-acre custom homesite on the original Ardrossan Farm, with views of Darby Creek and direct access to Skunk Hollow Park. Bring your own architect or choose from the builder's plans.

Listing courtesy of BHHS Fox & Roach-Media

View Listing & Photos →
322 Stoney Knoll Lane Unit #LOT 14, Berwyn, PA homesite for sale $1,525,000

322 Stoney Knoll Lane Unit #LOT 14, Berwyn, PA

Homesite · About 2 acres

Lot 14 at Stoney Knoll, a 17-homesite Pohlig Builders neighborhood beside a conserved horse farm. The price is for the land, and custom builds start at around $800 per square foot.

Listing courtesy of Compass Pennsylvania, LLC

View Listing & Photos →
22 Foxwood Cir, Bryn Mawr, PA homesite for sale $1,600,000

22 Foxwood Cir, Bryn Mawr, PA

Homesite · 1.42 acres

A 1.42-acre wooded homesite on a cul-de-sac, with gently sloping terrain for a walk-out design and room for a pool or gardens.

Listing courtesy of Compass Pennsylvania, LLC

View Listing & Photos →
Cedar Grove Rd, Broomall, PA wooded acreage for sale $1,500,000

Cedar Grove Rd, Broomall, PA

Wooded Acreage · 25.3 acres

One of the last large tracts in Marple Township: 25.3 wooded acres across three contiguous parcels with a sewer line running through. The seller will extend settlement for approvals.

Listing courtesy of Long & Foster Real Estate, Inc

View Listing & Photos →
45 W Pennsylvania Ave, Downingtown, PA investment property for sale $1,500,000

45 W Pennsylvania Ave, Downingtown, PA

Investment Property · Corner lot

A corner property at Pennsylvania Avenue and Manor Avenue (Horseshoe Pike) with an existing multi-unit dwelling and room for another, zoned R4.

Listing courtesy of LPT Realty, LLC

View Listing & Photos →
430 Limestone Rd, Oxford, PA highway commercial for sale $1,799,999

430 Limestone Rd, Oxford, PA

Highway Commercial · 4.80 acres

A 4.80-acre Highway Commercial site on Route 10 at the Route 1 Bypass. It was a garden center for 30 years and has an established driveway, two living units and a fenced, graveled retail lot. An adjoining 7.62 acres is also available.

Listing courtesy of Compass RE

View Listing & Photos →
2500 Yankee Rd, Quakertown, PA farmland for sale $1,600,000

2500 Yankee Rd, Quakertown, PA

Farmland · 36 acres

Thirty-six level, open acres that are currently farmed, suited to equestrian, livestock or agricultural use, with potential for subdivision.

Listing courtesy of Addison Wolfe Real Estate

View Listing & Photos →
Creamery Rd, Ottsville, PA commercial land for sale $1,495,000

Creamery Rd, Ottsville, PA

Commercial Land · 10+ acres

More than 10 acres with frontage on busy Route 611 (Easton Road) and a well already drilled. Many uses are permitted by right, and seller financing is available.

Listing courtesy of RE/MAX Centre Realtors

View Listing & Photos →

Philadelphia

Three different ways into the city: a 55-lot portfolio, an industrial loft building and a gated development site.

1400 John F Kennedy Blvd, Philadelphia, PA lot portfolio for sale $1,669,000

1400 John F Kennedy Blvd, Philadelphia, PA

Lot Portfolio · 55 lots

A 55-lot portfolio spread across multiple Philadelphia neighborhoods, suited to infill construction, land banking or assembling larger projects.

Listing courtesy of Keller Williams Realty Group

View Listing & Photos →
2300-12 N 2nd St, Philadelphia, PA commercial building for sale $1,600,000

2300-12 N 2nd St, Philadelphia, PA

Commercial Building · Industrial loft

An industrial-style building on the N 2nd Street corridor near Northern Liberties, Fishtown and Olde Kensington, with high ceilings, exposed brick and large windows. It suits creative office, studio, light industrial or retail use.

Listing courtesy of Loonstyn Brothers Realty LLC

View Listing & Photos →
4034 Orchard St, Philadelphia, PA development site for sale $1,500,000

4034 Orchard St, Philadelphia, PA

Development Site · 60,000+ sq ft

A gated site of more than 60,000 square feet between Paul and Orchard Streets, with its main entrance on Torresdale Avenue.

Listing courtesy of TCS Management, LLC

View Listing & Photos →

Listing information is deemed reliable but not guaranteed and was current as of September 23, 2026. Acreage, zoning, utilities, approvals and availability are as reported by the listing brokerages and should be independently verified with the listing agent and the local municipality. Listings are held by the brokerages credited on each property and are shown here for informational purposes. Photos are provided by the listing brokerages. Jay Starr, RE/MAX 1st Advantage, supports the principles of the Fair Housing Act and the Equal Opportunity Act.

Sept. 23, 2026

Pennsylvania Luxury Homes for Sale: 27 Estates and Residences from $3.25M to $3.5M September 23 2026

Pennsylvania Luxury Real Estate

Pennsylvania Luxury Homes for Sale: 27 Estates and Residences from $3.25M to $3.5M

Historic stone farms in Bucks County, vineyard estates in Chester County, penthouses above Rittenhouse Square and lakefront retreats in the Poconos, all priced between $3,250,000 and $3,499,000.

The $3 million to $3.5 million price range is where Pennsylvania's luxury market gets especially varied. At this level you can choose between acreage and architecture, city views and river frontage, brand-new construction and homes with more than two centuries of history. Below are 27 homes currently offered in this range, grouped by region so you can compare what the same budget buys in different parts of the state.

If one of these homes catches your eye, call or text Jay Starr at 717-658-0177 or email Jay@Jaystarr.com to request more information, schedule a private showing or talk through your next move.

Philadelphia City Residences

Center City and its surrounding neighborhoods offer a mix of full-floor condominiums, penthouses and one-of-a-kind conversions. These five include homes on Rittenhouse Square, in Fitler Square, Old City, the Art Museum area and Fishtown.

207 S 24th St, Philadelphia, PA luxury home for sale $3,495,000

207 S 24th St, Philadelphia, PA

5 Beds · 5 Baths

A corner-lot Fitler Square residence reimagined from a historic brick building, with exposed wood beams, steel staircases, original brick walls and natural light from three exposures.

Listing courtesy of Compass Pennsylvania, LLC

View Listing & Photos →
2100 Hamilton St Unit #6D, Philadelphia, PA luxury home for sale $3,491,000

2100 Hamilton St Unit #6D, Philadelphia, PA

3 Beds · 4 Baths

Unit 6D at 2100 Hamilton, a new 27-residence building by architect Cecil Baker near the Art Museum: 2,995 square feet, two parking spaces, a private elevator entry and a heated terrace with retractable glass doors.

Listing courtesy of Kurfiss Sotheby's International Realty

View Listing & Photos →
1901 Walnut St Unit #20D, Philadelphia, PA luxury home for sale $3,400,000

1901 Walnut St Unit #20D, Philadelphia, PA

4 Beds · 5 Baths

The Royale East at The Rittenhouse Plaza: a 3,420-square-foot bi-level residence with four bedrooms and a double-height arched window that stretches more than 40 feet along Rittenhouse Square.

Listing courtesy of Compass Pennsylvania, LLC

View Listing & Photos →
1506 E Wilt St, Philadelphia, PA luxury home for sale $3,300,000

1506 E Wilt St, Philadelphia, PA

3 Beds · 3 Baths

A true live/work opportunity in Fishtown: a fully operational recording studio designed by Walter Storyk Design Group, sold with its equipment and naming rights, connected to a three-bedroom residence.

Listing courtesy of Elfant Wissahickon Realtors

View Listing & Photos →
113-115 Arch St Unit #PENTHOUSE 2, Philadelphia, PA luxury home for sale $3,295,000

113-115 Arch St Unit #PENTHOUSE 2, Philadelphia, PA

4 Beds · 4 Baths

Penthouse 2 is a duplex atop two restored industrial buildings in Old City, with 3,556 square feet inside, 1,267 square feet across two private terraces, and an Italian-designed kitchen with Wolf and Sub-Zero appliances.

Listing courtesy of Compass Pennsylvania, LLC

View Listing & Photos →

The Main Line & Montgomery County

Mature trees, stone architecture and quick access to Philadelphia define this group, from a new-construction manor in Bala Cynwyd to a contemporary landmark in Flourtown.

1132 Youngs Ford Road, Gladwyne, PA luxury home for sale $3,495,000

1132 Youngs Ford Road, Gladwyne, PA

6 Beds · 8 Baths

A custom Gladwyne home on a private acre with a white gourmet kitchen and butler's pantry, a cathedral-ceiling great room with hand-crafted beams and a stone fireplace, and an oversized three-car garage.

Listing courtesy of Kurfiss Sotheby's International Realty

View Listing & Photos →
764 Mount Moro Rd, Villanova, PA luxury home for sale $3,450,000

764 Mount Moro Rd, Villanova, PA

7 Beds · 5 Baths

A classic brick-and-stucco Villanova residence with steep rooflines, fireplaces in the foyer, sitting room and dining room, a butler's pantry, and a kitchen with a DCS cooktop, double Wolf ovens and Sub-Zero refrigeration.

Listing courtesy of Compass Pennsylvania, LLC

View Listing & Photos →
611 Creek Ln, Flourtown, PA luxury home for sale $3,399,000

611 Creek Ln, Flourtown, PA

7 Beds · 10 Baths

More than 13,000 square feet of contemporary architecture on 1.81 wooded acres, with curved walls, floating dual staircases, walls of glass, a sunken conversation area and a rooftop observatory.

Listing courtesy of BHHS Fox & Roach-Blue Bell

View Listing & Photos →
25 Sandringham Rd, Bala Cynwyd, PA luxury home for sale $3,375,000

25 Sandringham Rd, Bala Cynwyd, PA

6 Beds · 6 Baths

New construction on a private cul-de-sac in Lower Merion's Sandringham neighborhood. This quick-delivery transitional manor is under construction, some customization may still be possible, and listing photos show the builder's previous work.

Listing courtesy of RE/MAX Professional Realty

View Listing & Photos →
950 Pennbrooke Ln, Lower Gwynedd, PA luxury home for sale $3,375,000

950 Pennbrooke Ln, Lower Gwynedd, PA

6 Beds · 6 Baths

A southern-inspired manor built in 2000 by Philomeno & Salamone on more than 2.2 acres (adjacent lot included), with four floors of living space, crown moldings, custom built-ins and a two-story front porch.

Listing courtesy of Northpoint Real Estate

View Listing & Photos →
352 Stenton Ave, Plymouth Meeting, PA luxury home for sale $3,295,000

352 Stenton Ave, Plymouth Meeting, PA

5 Beds · 6 Baths

A stone residence with roots in the 1820s, recently renovated by architect Warren Claytor, with Heritage Metal Works light fixtures, soapstone counters, wide-plank reclaimed oak floors and arched doorways.

Listing courtesy of BHHS Fox & Roach-Chestnut Hill

View Listing & Photos →

Bucks County Estates

Bucks County delivers the largest share of this collection: historic stone farmhouses, Delaware River frontage and estates set among preserved farmland near New Hope and Doylestown.

7 Oxford Dr, Ivyland, PA luxury home for sale $3,499,000

7 Oxford Dr, Ivyland, PA

5 Beds · 6 Baths

Resort-style living in Bucks County: a two-story foyer with a double staircase, a chef's kitchen with a Wolf six-burner range, a lower-level theater and gym, and a 34,000-gallon heated pool with spa, two outdoor kitchens and a pool house.

Listing courtesy of Elite Realty Group Unl. Inc

View Listing & Photos →
2 Cedar Ln, Erwinna, PA luxury home for sale $3,499,000

2 Cedar Ln, Erwinna, PA

4 Beds · 5 Baths

"Cedar Hill Reserve" sits at the end of a private lane with panoramic views over the Delaware River valley, a two-story wall of French doors, a stacked-stone wood-burning fireplace and a river-view home office.

Listing courtesy of Addison Wolfe Real Estate

View Listing & Photos →
5792 Carversville Rd, Doylestown, PA luxury home for sale $3,495,000

5792 Carversville Rd, Doylestown, PA

5 Beds · 6 Baths

Tammany Farm is a 1740 stone estate on 11 private acres in Buckingham Township, with over 6,000 square feet, exposed stone walls and beams, multiple fireplaces and an in-ground pool surrounded by preserved farmland.

Listing courtesy of Keller Williams Real Estate-Doylestown

View Listing & Photos →
38 Bridge One Ln, Point Pleasant, PA luxury home for sale $3,495,000

38 Bridge One Ln, Point Pleasant, PA

4 Beds · 6 Baths

Rare direct Delaware River frontage. After a multi-year renovation the home was raised 11 feet and moved back 125 feet, outside the floodway, and every deck, balcony and patio looks out over the river.

Listing courtesy of Coldwell Banker Hearthside Realtors- Ottsville

View Listing & Photos →
4439 Mcneal Rd, Carversville, PA luxury home for sale $3,450,000

4439 Mcneal Rd, Carversville, PA

4 Beds · 6 Baths

Pheasant Hill Farm is a renovated historic compound on 10 hilltop acres above Carversville, with the main house, two stone barns, a guest/pool house and a restored carriage house looking toward Buckingham Mountain.

Listing courtesy of Weichert Realtors

View Listing & Photos →
6398 Durham Rd, Pipersville, PA luxury home for sale $3,395,000

6398 Durham Rd, Pipersville, PA

4 Beds · 5 Baths

A circa-1785 stone farmhouse on more than 12.5 acres overlooking Cabin Run Creek, with a walled courtyard, pool, dry-laid stone walls and a radiant-heated finished barn with its own kitchen and bath.

Listing courtesy of Kurfiss Sotheby's International Realty

View Listing & Photos →
3200 Creamery Rd, New Hope, PA luxury home for sale $3,250,000

3200 Creamery Rd, New Hope, PA

4 Beds · 5 Baths

Broadmoor, an estate on more than six acres in Solebury Township with a private elevator, 8-zone geothermal heating and cooling, two primary suites, and a private office with its own entrance.

Listing courtesy of Carol C Dorey Real Estate

View Listing & Photos →

Chester County Estates

Chester County's rolling countryside brings acreage, history and, in two cases, wine: one estate includes a working vineyard and another a historic icehouse turned wine cellar.

434 Conestoga Rd, Malvern, PA luxury home for sale $3,450,000

434 Conestoga Rd, Malvern, PA

5 Beds · 4 Baths

A 14+ acre Chester County estate with roots in William Penn's original land grant: a fully renovated main house of about 6,000 square feet on three parcels, plus bank-barn apartments that already produce rental income.

Listing courtesy of Compass Pennsylvania, LLC

View Listing & Photos →
1740 Lenape Rd, West Chester, PA luxury home for sale $3,450,000

1740 Lenape Rd, West Chester, PA

5 Beds · 5 Baths

A 26+ acre hillside estate outside West Chester with an approximately 8-acre vineyard producing award-winning wines, a reimagined 1800s stone farmhouse, a pool house and a stream-side private drive.

Listing courtesy of Monument Sotheby's International Realty

View Listing & Photos →
1001 Country Club Rd, West Chester, PA luxury home for sale $3,300,000

1001 Country Club Rd, West Chester, PA

6 Beds · 5 Baths

Fernbank Farm, a circa-1846 serpentine stone estate on six acres overlooking 100 acres of conserved land, where the historic icehouse has become a two-story wine cellar and tasting room.

Listing courtesy of BHHS Fox & Roach-West Chester

View Listing & Photos →
948 Drovers Ln, Chester Springs, PA luxury home for sale $3,250,000

948 Drovers Ln, Chester Springs, PA

5 Beds · 7 Baths

A French Norman estate on 9.4 acres in Chester Springs with more than 6,150 square feet, three masonry fireplaces, and French doors opening to terraces, courtyards and gardens.

Listing courtesy of Real Broker, LLC

View Listing & Photos →

Lancaster, Lehigh Valley & Northern Pennsylvania

Luxury in Pennsylvania extends well beyond Philadelphia. These homes range from a Lititz estate in Lancaster County to lakefront, mountain and creekside retreats farther north.

120 Miller Rd, Waverly Township, PA luxury home for sale $3,495,000

120 Miller Rd, Waverly Township, PA

5 Beds · 7 Baths

A contemporary estate on 24.8 acres with more than 10,000 square feet of living space, mountain views and a circular drive, close to Clarks Summit and Lackawanna State Park and about two hours from NYC and Philadelphia.

Listing courtesy of Lusk & Associates Sotheby's International Realty

View Listing & Photos →
1000 Bluestone Dr, Lititz, PA luxury home for sale $3,495,000

1000 Bluestone Dr, Lititz, PA

5 Beds · 8 Baths

Set on 1.45 acres in Stonehenge, this Galen Miller-built estate draws on the Scholz "Le Fontainebleu" plan and offers more than 11,400 finished square feet, a sweeping curved staircase and a two-story living room.

Listing courtesy of RE/MAX Pinnacle

View Listing & Photos →
2209 S Melrose Ln, Bethlehem, PA luxury home for sale $3,495,000

2209 S Melrose Ln, Bethlehem, PA

5 Beds · 6 Baths

Modern architecture of glass, wood and natural stone on 5.3 acres of meadow, stream and forest, on a private cul-de-sac in Newport Ridge next to the trails of the 187-acre Black River Sanctuary.

Listing courtesy of Carol C Dorey Real Estate

View Listing & Photos →
186 S Lake Dr, Lake Harmony, PA luxury home for sale $3,299,000

186 S Lake Dr, Lake Harmony, PA

11 Beds · 6 Baths

A lakefront home on Lake Harmony with a private dock, 11 bedrooms, two kitchens, three fireplaces, a hot tub, a sauna and a deck on every level, close to two ski mountains.

Listing courtesy of Smart Way America Realty

View Listing & Photos →
2776 Butternut Grove Road, Montoursville, PA luxury home for sale $3,250,000

2776 Butternut Grove Road, Montoursville, PA

3 Beds · 2 Baths

A log home on 121 acres with nearly a mile of creek frontage, bordered by state land, with docks on both banks, a trail network, a mountain-stone fireplace and an equipped pole shed.

Listing courtesy of Fish Real Estate, Inc

View Listing & Photos →

Listing information is deemed reliable but not guaranteed and was current as of September 23, 2026. Prices, availability and details are subject to change; please verify all information with the listing brokerage. Listings are held by the brokerages credited on each property and are shown here for informational purposes. Photos are provided by the listing brokerages. Jay Starr, RE/MAX 1st Advantage, supports the principles of the Fair Housing Act and the Equal Opportunity Act.

Sept. 22, 2026

Selling This Fall? You Haven't Missed Your Window



Summer's winding down, and if you've been thinking about selling, you might be wondering if you missed your chance. Better to wait until next year or even next spring, right?

Not so fast. About one in three of all home sales happen in the last four months of the year.

Fall Is Busier than You Think

Data from the National Association of Realtors (NAR) shows around a third of existing home sales happen in the final four months of the year. And that share has grown every year since 2023 (see graph below):

Here's What That Means for You

According to forecasts from Fannie Mae, the Mortgage Bankers Association (MBA), NAR, and Wells Fargo, there will be about 4.16 million existing home sales this year. Based on how many sales have happened so far, that means roughly 1.4 million sales are expected between now and December.

That's about 11,800 houses selling every single day this fall.

So, the market isn't frozen and you don’t need to put your plans on ice either. Yes, higher rates are keeping some buyers on the sidelines. But hold out for next spring, and you'll sit out months when other serious buyers are ready to move before the new year.

How do you get in front of those buyers who are still out there looking right now? Getting your house sold this season comes down to how well it's priced and presented,  and that's where a local agent shines.

A good agent knows what buyers in your area want right now, prices your house to match this fall's market, and positions it to stand out to the serious buyers shopping before year-end. From the first photo to the final offer, they handle the details that turn your house on the market into one of the 11,800 selling every day.

Bottom Line

Listing this fall doesn't mean your house will sit on the market until spring. Buyers are out there right now, ready to make a move before the new year – and your window is still open.

Let's connect and make yours one of the homes that sells this season.

Posted in Sell My Home
Sept. 22, 2026

Selling This Fall? You Want To Get These 4 Things Right.



Selling your house this fall is absolutely doable. But there’s something you need to know about this time of year. 

Buyer activity typically starts to slow while the number of homes for sale climb – and you need the right strategy to get attention in this type of market.

The good news? There’s a lot you can control.

From how you price and present your house to how you negotiate and respond to feedback. Here are four things you’ll want to get right this fall. 

#1: Price To Get Buyers’ Attention

In the fall, there are typically fewer buyers looking and more homes for them to choose from. So, you want to make the most of every buyer who comes across your house.

And your price is one of the first things that can make them stop and take a closer look – or keep scrolling. 

That’s why this isn’t the time to start high “just to see what happens.”

If buyers think your house is overpriced, they have plenty of other options to move on to. And that could leave you sitting and waiting.

So, if you want to sell before year-end, work with your agent to find the right price for your house and today’s market. That may mean listing at market value – or even slightly below it – to grab buyers’ attention.

Redfin explains how a seemingly small difference can change your buyer pool: 

“Buyers often search in round-number price brackets, so pricing at $499,000 instead of $505,000 can make your home appear in more searches and feel like a better deal.” 

#2: Make a Great First Impression

When buyers had very few homes to choose from, they were often more willing to overlook dated finishes or a house that needed some work. That’s harder to count on now.

With more choices, how your house looks online and in person can determine whether it makes a buyer’s shortlist at all.

That doesn’t mean you need a full renovation before you sell, but you should take care of essential repairs, do what you can to boost curb appeal, and make sure your house photographs well. Maybe that’s some light staging, maybe it’s swapping out faucets or lights, or maybe a fresh coat of paint. Small details can help a lot.

After all, you only get one chance to make that first impression. Make it count.

#3: Stay Open To Negotiating

Some sellers are still expecting the kind of leverage they had a few years ago. But in many markets, buyers have more negotiating power today and there’s a lot more give and take.

The latest data from Redfin shows 46.2% of sellers gave buyers some type of concession. So, consider throwing in a little help with closing costs or covering a repair. Almost half of sellers are.

The takeaway? Playing hard ball may not get you what you want. But being flexible might. The key is not getting so focused on “winning” every individual negotiation that you lose sight of the bigger goal: making your move happen.

Sometimes a small concession is what gets you to the closing table.

#4: Know When It’s Time To Adjust

Sometimes your house tells you when something isn’t working. Maybe you’re getting plenty of online views but very few showings. Or buyers are coming through, but you’re not getting offers. Or maybe buyer feedback has one recurring theme.

Pay attention to those signals. They can help you figure out what needs to change.

Let’s say your price is the most common point of feedback. Talk to your agent about a price drop. It doesn’t have to be a big change to make a big difference. The average price cut right now is 4% according to HousingWire Data. That’s normal.

Now, that doesn’t mean you should panic and slash your price after a week. It means you and your agent should pay attention to what buyers are telling you and adjust if you need to.

Sometimes the smartest move isn’t waiting for the right buyer. It’s making sure you’re giving that buyer a reason to act.

Bottom Line

Selling this fall is absolutely doable. And now you know four of the biggest things to get right.

If you want to sell before the end of the year, let’s make sure you have a winning strategy from day one.

Posted in Sell My Home
Sept. 22, 2026

WellSpan Expansions and Franklin County Housing Demand

WellSpan's $200M+ regional investment, including a $2.8M rural care grant, a new family medicine residency, and expanded facilities at Chambersburg and Waynesboro hospitals, is drawing more healthcare workers and patients to Franklin County, PA, which increases housing demand near both campuses and along the I-81 corridor into Washington County, MD.

How will the WellSpan hospital expansions in Chambersburg and Waynesboro affect local housing demand?

WellSpan Health's multi-year capital program, anchored by a $2.8 million Rural Health Transformation grant awarded in August 2026 and a broader $200M+ system-wide investment, is expanding clinical capacity, adding a family medicine residency, and concentrating healthcare employment in south-central Pennsylvania. More staff, more residents, and more patients traveling to Chambersburg and Waynesboro for specialized care all translate into new housing demand near both campuses and along the I-81 commuter corridor into Washington County, MD.

Key Takeaways

  • WellSpan Health received a $2.8 million grant in August 2026 to fund new technology, equipment, and infrastructure at WellSpan Chambersburg Hospital and WellSpan Waynesboro Hospital through Pennsylvania's Rural Health Transformation Program.

  • WellSpan is investing more than $200 million over three years across south-central Pennsylvania and northern Maryland, including a new Health and Surgery Center in Chambersburg, a scale of commitment that signals long-term employment growth in Franklin County.

  • WellSpan Chambersburg Hospital received ACGME accreditation for a family medicine residency program, with the first residents arriving in 2025, adding a steady pipeline of early-career physicians who need housing in the area.

  • The Waynesboro inpatient pharmacy expanded from 1,100 to 1,700 square feet and became operational in summer 2025, freeing clinical space on the third floor for potential future patient care expansion.

  • Franklin County's position along I-81, adjacent to Washington County, MD, means hospital-driven housing demand here draws from both Pennsylvania and Maryland employer bases, broadening the buyer and renter pool beyond WellSpan alone.

What is WellSpan actually building, and why does it matter for housing?

Before connecting dots to home prices and rental demand, it helps to lay out exactly what is happening on the ground, because this is not one announcement. It is a layered set of investments that compound over several years.

The $2.8 million Rural Health Transformation grant (2026)

In August 2026, WellSpan Health received $2.8 million from the Pennsylvania Department of Human Services through the Rural Health Transformation Program, directed at three south-central Pennsylvania hospitals including Chambersburg and Waynesboro. The funding covers new technology, equipment, and infrastructure, specifically neurosurgical services at Chambersburg and expanded infusion and diagnostic imaging across the region. Hospital leadership framed these upgrades explicitly as a way to keep rural patients close to home rather than driving hours to larger medical centers.

That framing matters for housing. When patients can receive specialized care locally, the healthcare campus becomes a more durable anchor for the surrounding community, and durable anchors attract both employers and the workers who need housing nearby.

The family medicine residency and teaching hospital status

WellSpan Chambersburg Hospital earned full ACGME accreditation for a family medicine residency program, with the first residents arriving in 2025. Residents rotate through WellSpan and Keystone Health locations across Franklin County, and Chambersburg now joins WellSpan York Hospital and WellSpan Good Samaritan Hospital as an accredited teaching facility.

Teaching hospital status is a meaningful signal for a housing market. Residency programs create a recurring annual cohort of early-career physicians who need rentals or starter homes, often for two to three years at a stretch. That is stable, predictable demand, the kind that supports landlords and keeps entry-level inventory tight.

Waynesboro: pharmacy expansion, clinical space, and the emergency services complex

At WellSpan Waynesboro Hospital, the inpatient pharmacy expanded from 1,100 to 1,700 square feet, with new ISO-7 compounding suites and separate cleanrooms. Per Becker's Hospital Review, the upgraded facility became operational in summer 2025 and freed clinical space on the third floor, explicitly noted as allowing for potential future patient care expansion.

Separately, the Borough of Waynesboro is planning a public-safety and medical office complex on 5.27 acres directly opposite the hospital campus. The Borough is contributing $2 million and pursuing additional grants. That kind of public-private investment cluster, police, fire, EMS, and roughly 7,000 square feet of medical offices, typically signals that the surrounding blocks are going to see more foot traffic, more ancillary services, and eventually more residential demand.

The $200M+ system-wide commitment

Zoom out and the picture is even larger. WellSpan's broader regional investment program totals more than $200 million over three years, spanning south-central Pennsylvania and northern Maryland. That includes a new Health and Surgery Center in Chambersburg and expanded outpatient access at Waynesboro. The completed affiliation between Summit Health and WellSpan consolidated these facilities under a single system with coordinated capital planning, which means the investment timeline is more predictable, not less, going forward.

WellSpan also expanded its provider network's enhanced tier in the west region effective July 1, 2025, adding practices including Greencastle Family Practice, Waynesboro Family Medical Associates, and Pediatric Specialists of Franklin County. More practices in the network means more clinical staff with local ties, and more local staff means more households looking for homes.

Where does housing demand actually land?

Healthcare-driven housing demand is not evenly distributed across a county. It concentrates in specific zones, and knowing those zones is where local market knowledge matters.

Near the Chambersburg campus

Neighborhoods with short commutes to WellSpan Chambersburg Hospital and easy access to I-81 are the primary beneficiaries. Medical residents and early-career clinical staff tend to prioritize commute time above almost everything else, their schedules do not leave room for a 45-minute drive. Established single-family neighborhoods and newer townhome communities within a 10 to 15 minute radius of the hospital are where I see the most consistent interest from that buyer and renter segment.

I-81 also connects Chambersburg to Hagerstown and Washington County, MD, which means some of this housing demand comes from workers at Meritus Medical Center and other regional Maryland employers who prefer Franklin County's cost of living and commute into Maryland. That cross-border dynamic broadens the buyer pool in ways that do not always show up in a single county's data. For more on how institutional employers shape this market, see my earlier post on Chambersburg's university and hospital growth impact.

Near the Waynesboro campus

The blocks surrounding WellSpan Waynesboro Hospital and the planned emergency services complex are the natural target for medium-term demand growth. The combination of an expanded pharmacy, freed clinical space flagged for future patient care, and a public-private investment cluster directly across the street points toward a campus that will be larger and busier in three to five years than it is today. Areas immediately adjacent to older hospital campuses often have aging housing stock, which creates value-add opportunities for investors willing to modernize before the demand fully materializes.

The I-81 corridor and cross-border commuters

Franklin County sits directly on the Pennsylvania-Maryland border, and that geography matters more than most out-of-area investors realize. Healthcare workers employed at WellSpan in Chambersburg or Waynesboro may live in Washington County, MD, and vice versa. Properties along the I-81 corridor, particularly in communities like Greencastle, which now has its own enhanced-tier WellSpan practice, appeal to workers on both sides of the state line. That dual-state demand pool is one reason Franklin County tends to hold value more steadily than its population size alone would suggest.

WellSpan Expansion Milestone Timeline Housing Demand Implication Family medicine residency program launched (ACGME-accredited) Residents arriving 2025 Annual cohort of residents needing rentals or starter homes near Chambersburg campus Waynesboro inpatient pharmacy expansion operational Summer 2025 Additional clinical staff; freed space signals future patient care growth Provider network enhanced tier expanded (Greencastle, Waynesboro, Franklin County) July 1, 2025 More clinical staff with local employment ties across Franklin County communities $2.8M Rural Health Transformation grant for Chambersburg and Waynesboro Awarded August 2026 New neurosurgical, infusion, and imaging capacity draws patients and staff to both campuses Waynesboro emergency services complex (planning and funding phase) 2024–2026+ Public-private investment cluster near hospital campus; ~7,000 sq ft of medical offices planned $200M+ system-wide capital investment program Three-year window through 2026+ New Health and Surgery Center in Chambersburg; expanded outpatient access at Waynesboro

What this means for investors and homebuyers right now

I work with both investors and homebuyers in this market, and the question I hear most often is some version of: "Is it too late to get ahead of this?" My honest answer is that we are in the middle of the runway, not at the end of it. The residency program launched in 2025. The $2.8 million grant was just awarded. The Waynesboro emergency services complex is still in its funding phase. The $200M+ capital program is still being deployed.

That said, the opportunity is not uniform. Here is how I frame it for different types of clients.

For investors

Teaching hospitals with residency programs produce reliable rental demand. Residents, traveling nurses, allied health staff, and patients' families staying near the campus for extended care all need housing. Two- and three-bedroom units within a 10 to 15 minute commute of both campuses are the sweet spot. Mid-term furnished rentals, think 30 to 90 day stays for patients receiving neurosurgical or infusion care, are worth exploring near Chambersburg, though you will want to verify local zoning and any short-term rental regulations before committing to that strategy.

Value-add plays in the blocks immediately surrounding both campuses are also worth attention. Older housing stock near hospital campuses often trades at a discount relative to its potential, and WellSpan's multi-year capital commitment means these campuses are not going anywhere. That is the kind of long-term anchor that makes a renovation pencil out. The broader Franklin County employment base, including Letterkenny Army Depot, reinforces that stability further.

According to the Pennsylvania Association of Realtors' most recent statewide Housing Market Report, inventory constraints remain a theme across Pennsylvania markets heading into fall 2026. Limited supply plus growing institutional employment is a combination that historically supports values in markets like Chambersburg and Waynesboro.

For homebuyers

If you are relocating for a position at WellSpan, or if you work at Meritus Medical Center in Hagerstown and are considering Franklin County for the lower cost of living and manageable commute, the neighborhoods closest to both campuses offer a combination of affordability and proximity that is harder to find in larger metro areas.

Franklin County's mix of small-town main streets, access to the Appalachian foothills and state forests, and moderate cost of living appeals to mid-career medical professionals who want balance between work and lifestyle. That is not a generic pitch, I hear it directly from the clients I work with in this market. The specific tradeoffs between neighborhoods in Chambersburg versus Waynesboro versus communities like Greencastle depend on your commute priorities, your price range, and what you want in a neighborhood, and those are conversations worth having before you start touring.

Your best move, whether you are buying to live in or buying to rent out, is to run the numbers against current inventory before you assume a particular street or subdivision fits your strategy. That is exactly what I do with every client before we start making offers.

Frequently Asked Questions

How will the WellSpan hospital expansion in Chambersburg impact home prices in Franklin County?

Large-scale institutional investment like WellSpan's $200M+ capital program tends to put upward pressure on home prices near the affected campuses, primarily by increasing employment and drawing new households into the market. The effect is most pronounced in entry-level and mid-range price bands close to the hospital, where supply is already limited and new demand from residents, nurses, and support staff competes with existing buyers. The full impact will play out over several years as each phase of the expansion comes online.

Will new doctors and nurses moving to Chambersburg and Waynesboro increase competition for starter homes?

Yes, and the residency program at WellSpan Chambersburg Hospital makes this particularly direct, a new cohort of residents arrives each year, and early-career physicians typically compete in the same price bands as first-time buyers. Add traveling nurses, allied health staff, and support workers, and you have a recurring source of demand that does not disappear when one cohort leaves. Buyers in the entry-level range near both campuses should expect that competition to be a consistent feature of the market going forward.

What neighborhoods work well if I want to live near WellSpan Chambersburg or Waynesboro but still commute to Washington County, MD?

Communities along the I-81 corridor, including Greencastle, which now has its own WellSpan enhanced-tier practice, offer commutable access to both Chambersburg and Waynesboro hospitals as well as Hagerstown and Washington County, MD employers like Meritus Medical Center. The specific neighborhood that fits best depends on your commute tolerance, price range, and whether you prioritize proximity to the Pennsylvania campus or the Maryland employer. I work both sides of that border and can walk you through the tradeoffs in detail.

Does the planned emergency services complex near WellSpan Waynesboro Hospital signal more development and new homes nearby?

A public-private investment cluster of that scale, police, fire, EMS, and roughly 7,000 square feet of medical offices on 5.27 acres opposite the hospital, typically attracts ancillary services like urgent care, imaging, pharmacies, and food options, which in turn increase foot traffic and residential demand in the surrounding blocks. The complex is still in its planning and funding phase as of mid-2026, so the timeline for ground-level impact is not fixed yet, but the direction of travel for that neighborhood is clearly toward more activity, not less.

As an investor, is it smart to buy rentals near WellSpan Chambersburg Hospital before all the expansions are finished?

Buying ahead of a multi-year institutional expansion is a reasonable strategy when the anchor employer is stable and the capital commitment is documented, both of which apply here. The residency program is already generating rental demand, the $2.8 million grant is already being deployed, and the $200M+ system-wide program is still mid-cycle. That said, the right property at the right price matters more than timing alone, and every rental investment depends on current rent levels, vacancy rates, and carrying costs specific to that asset. I can help you model that before you commit.

The bottom line on WellSpan and Franklin County housing

WellSpan's expansion across Chambersburg and Waynesboro is not a single event, it is a multi-year capital program that is still unfolding, and the housing demand it generates will build in layers as each phase comes online. If you are a buyer relocating for healthcare work, an investor looking for stable rental demand, or a current homeowner trying to understand what this means for your property's value, the specifics of your situation matter more than any general forecast.

I have spent 22 years working this market and I know both sides of the Pennsylvania-Maryland border. If you want to talk through what WellSpan's growth means for a specific neighborhood, a specific property, or your own next move, reach out to me directly and let's run the numbers together.

About Jay Starr

Jay Starr is a REALTOR® and Team Leader of The Jay Starr Team at RE/MAX 1st Advantage, with 22 years of full-time experience serving south-central Pennsylvania and central Maryland. With hundreds of homes sold, 40+ five-star reviews, and the Certified Luxury Home Marketing Specialist designation, Jay provides expert guidance across luxury homes, large land tracts, farms, hunting properties, residential estates, and investment properties. His service area includes Franklin, Fulton, Adams, Cumberland, Bedford, and Huntingdon Counties in PA, as well as Washington County, MD. Outside of real estate, Jay manages over 10 honeybee hives and harvests local honey, reflecting his commitment to stewardship, community, and the rural lifestyle many of his clients value.

RE/MAX 1st Advantage · (717) 658-0177

 

Equal Housing Opportunity. Jay Starr is a Licensed Real Estate Salesperson regulated by the Pennsylvania Real Estate Commission. This article is general information only and does not constitute legal, tax, or financial advice. Confirm your own numbers with your title company, tax advisor, or lender before making any real estate decision.

Sept. 21, 2026

Can a Buyer Back Out After Inspection in Pennsylvania?

Yes, a buyer in Pennsylvania can back out after inspection if they act within the contingency period and deliver written notice under the PAR Standard Agreement. The standard is subjective, 'unsatisfactory to buyer', so sellers have limited grounds to challenge a termination made on time and in writing.

Can a buyer legally back out after a home inspection in Pennsylvania?

Yes, a buyer in Pennsylvania can back out after inspection, but only if they act within the contingency period spelled out in the PAR Standard Agreement for the Sale of Real Estate (Form ASR) and deliver written notice before that window closes. The threshold is deliberately low: the standard is "unsatisfactory to buyer", not a list of objective defects, which means a buyer who follows the process can terminate even if the inspection report shows nothing catastrophically wrong. As a seller in South Central Pennsylvania, that's the reality you're working with, and understanding it is the first step to protecting yourself.

Key Takeaways

  • Pennsylvania's PAR Agreement of Sale lets a buyer terminate after inspection based on a subjective standard, "unsatisfactory to buyer", not an objective defect threshold.

  • Buyers must deliver written notice of termination before the contingency period expires; if they miss that deadline, the contingency is generally treated as waived and they lose the contractual right to walk.

  • When a buyer terminates properly under the inspection contingency, the PAR Form ASR entitles them to a full return of their deposit.

  • An "as-is" sale in Pennsylvania does not eliminate the buyer's right to inspect and terminate, it only means you're not agreeing to make repairs.

  • Pennsylvania's statewide median home price reached $320,000 in May 2026, according to the Pennsylvania Association of Realtors®, and with inventory rising, buyers have more leverage to use inspection contingencies than they did in tighter markets.

How does the inspection contingency actually work in a Pennsylvania contract?

In South Central Pennsylvania, Franklin, Adams, Cumberland, Fulton, Bedford, and Huntingdon Counties, residential resale transactions are almost universally written on the Pennsylvania Association of Realtors® Standard Agreement for the Sale of Real Estate, Form ASR. That's the contract that governs what a buyer can and can't do after an inspection, and it's worth knowing exactly what it says.

Under the PAR Form ASR, once inspections are completed within the agreed contingency period, the buyer has three options:

  1. Accept the property and proceed to closing as agreed.

  2. Terminate the agreement by written notice to the seller, citing that the inspection result is unsatisfactory to the buyer.

  3. Request repairs or concessions and negotiate from there, though that path opens its own set of considerations.

The phrase that matters most for sellers is "unsatisfactory to buyer." Pennsylvania contingency guides consistently emphasize that this is a buyer-centric, subjective standard. The buyer doesn't have to prove the house has a structural defect or a code violation. If the results are unsatisfactory to them, for whatever reason they hold, and they notify you in writing before the contingency period ends, the termination is valid under the contract.

I walk sellers through this language before signing to go under contract. It's not designed to be unfair; it reflects the reality that buyers are making a major financial decision and need some protection. But as a seller, knowing this going in lets you negotiate the terms of that contingency rather than being surprised by them later.

What happens if the buyer misses the deadline?

This is where the contract actually protects sellers. If the buyer does nothing, no written notice, no termination, no repair request, before the contingency period expires, that contingency is generally treated as waived or satisfied. Pennsylvania Agreement of Sale guidance is clear on this point: the written notice requirement and the deadline are not formalities. A buyer who lets the clock run out without acting loses the contractual right to terminate based on those inspection results.

That's why I pay close attention to every deadline in the contract, on both sides of the transaction. Missed deadlines have real consequences, and I make sure my sellers understand exactly when each window opens and closes.

What happens to the earnest money deposit?

When a buyer terminates properly, within the contingency period, in writing, per the notice provisions in the contract, the PAR Form ASR entitles them to a full return of all deposit monies paid. The agreement becomes void. The title company or who holds the deposit, releases it back to the buyer, and you're back to square one as a seller.

That's a hard outcome, but it's a clean one. The deal ends, the deposit goes back, and you relist. The more complicated, and more expensive, situation is when a buyer tries to back out improperly, after the contingency window has closed, and a deposit dispute follows. That's a different conversation, and one worth having with an attorney if it ever comes up.

What can South Central PA sellers actually do to protect themselves?

You can't eliminate a buyer's right to inspect. But you have more leverage over the terms of that contingency than most sellers realize, and how you structure the contract upfront matters enormously.

Negotiate the contingency period length

The length of the inspection contingency is a negotiable contract term. A shorter window means the buyer has less time to second-guess, bring in additional inspectors, or use the contingency as a stalling tactic. I work with my sellers to push for terms that are fair to both parties but don't leave deals open-ended longer than necessary.

Understand the "information-only" inspection distinction

PAR's own risk-management guidance addresses a nuance that comes up frequently: follow-up or specialty inspections (radon, well, septic, structural) that are labeled "information only" rather than contingencies. If a follow-up inspection is not written as a contingency, the buyer generally cannot use findings from that inspection to terminate the agreement. That distinction gives sellers a real tool when negotiating addenda, but it has to be drafted correctly. This is the kind of detail I walk through with sellers when reviewing an offer.

Consider a pre-listing inspection

One of the most practical things a seller in South Central PA can do is get ahead of the inspection entirely. A pre-listing inspection lets you find and address issues before a buyer's inspector does, or at minimum, disclose them accurately so there are no surprises. Buyers are less likely to terminate when the inspection confirms what you already disclosed. It also signals transparency, which tends to build buyer confidence rather than erode it.

Your specific situation, the age of the home, its condition, and current market dynamics, determines whether a pre-listing inspection makes strategic sense. That's a conversation worth having before you list.

Price and condition work together

In a market where buyers have more options, a home priced right for its condition generates fewer inspection-driven terminations. A buyer who feels they got a fair deal is less likely to use a minor inspection finding as an exit ramp. Overpriced homes with deferred maintenance are the ones that fall apart after inspection most often. I've seen that pattern repeat across Franklin County, Adams County, and the surrounding area over 22 years in this market.

What about selling "as-is"?

Selling as-is in Pennsylvania does not protect you the way sellers sometimes assume. Pennsylvania Agreement of Sale guidance is explicit: an as-is addendum means you're not agreeing to make repairs, but it does not eliminate the buyer's right to inspect and terminate if they're unsatisfied with what they find, unless that right is expressly waived in the contract. Buyers in South Central PA almost never waive the inspection contingency entirely, and when they do, it's typically in a very competitive multiple-offer situation.

As-is can still be the right strategy depending on your property and timeline. But go in knowing it doesn't close the inspection exit door.

The 2026 market context matters here

The most recent data available reinforces why sellers need to take inspection contingencies seriously right now. According to the Pennsylvania Association of Realtors® May 2026 housing market report, Pennsylvania's median home sales price reached $320,000 in May 2026, up about 5% from May 2025, but statewide inventory rose roughly 12% from April to May, reaching over 44,800 listings. More inventory means more buyer options, and buyers with options are more willing to use contingency rights rather than waive them.

The Bright MLS August 2026 Mid-Atlantic report shows a median sold price of $441,995 across the region, up 2.1% year-over-year, but closed sales were down 3.6% and median days on market stretched to 16 days, one day slower than a year earlier. That's not a crashed market, but it's a more balanced one. Buyers feel less pressure to skip inspections or accept unfavorable terms, which means sellers need to be more strategic, not less.

Market Indicator Figure Source / Period Pennsylvania median home sale price $320,000 PAR, May 2026 Pennsylvania active listings 44,800+ PAR, May 2026 Pennsylvania year-over-year price change +5% PAR, May 2026 Mid-Atlantic median sold price $441,995 Bright MLS, August 2026 Mid-Atlantic median days on market 16 days Bright MLS, August 2026 Mid-Atlantic closed sales (year-over-year) -3.6% Bright MLS, August 2026

If a deal falls apart after inspection and you need to relist, understanding why listings expire in Chambersburg and how to sell successfully the second time is worth reading before you put the sign back in the yard. And if you're wondering about how long it takes to close on a house in Pennsylvania once you do get back under contract, that timeline matters for your planning.

Frequently Asked Questions

Can a buyer in Pennsylvania back out just because they don't like the inspection report, even if nothing major is wrong?

Yes, under the PAR Standard Agreement, the standard is "unsatisfactory to buyer", not an objective list of defects. If the buyer acts within the contingency period and delivers written notice, they can terminate even if the inspection report shows only minor issues. That's the contract sellers in South Central PA are working with, and the best protection is negotiating the contingency terms before you accept the offer.

If my buyer terminates during the inspection contingency in PA, do they automatically get their earnest money back?

Yes, as long as all parties consent to the deposit release. When a buyer terminates properly under a right granted in the PAR Agreement of Sale, on time and in writing, the contract entitles them to a full return of their deposit. The title company holding the deposit releases it back to the buyer once the termination is confirmed. The deal is void and no transfer tax is triggered, because the tax attaches when a deed is presented for recording, not when a contract is signed.

What happens if the buyer misses the inspection deadline in a Pennsylvania contract?

If the buyer lets the contingency period expire without delivering written notice, no termination, no repair request, nothing, the inspection contingency is generally treated as waived. The buyer loses the contractual right to terminate based on inspection results and is bound to proceed. This is one of the most important protections sellers have, which is why tracking every deadline in the contract matters.

Does selling my home "as-is" in Pennsylvania stop buyers from backing out after inspection?

No. An as-is addendum in Pennsylvania means you're not agreeing to make repairs, it does not eliminate the buyer's right to inspect and terminate if they're unsatisfied with what they find, unless that right is expressly waived in writing. In practice, buyers in South Central PA almost never fully waive the inspection contingency, so as-is pricing and condition still need to account for that risk.

As a seller in South Central PA, what can I negotiate in the inspection contingency to protect myself?

You can negotiate the length of the contingency period, which inspections are written as contingencies versus information-only, and how follow-up specialty inspections are handled. Shorter windows and clearly drafted addenda give sellers more predictability. Every deal is different, and the right structure depends on your property's condition, the buyer's situation, and current market dynamics, that's exactly the kind of strategy I work through with my sellers before we accept an offer.


The inspection contingency in Pennsylvania is designed to protect buyers, and it does that job well. But sellers who understand the language, the deadlines, and the negotiating levers available to them go into every deal with a real advantage. If you're preparing to sell in South Central Pennsylvania, Franklin County, Adams County, Cumberland County, or anywhere in the area, and you want to talk through how to structure your contract to minimize inspection-driven fallout, reach out to Jay today. I've walked hundreds of sellers through this exact situation, and I'll give you a straight answer about where you stand.

About Jay Starr

Jay Starr is a REALTOR® and Team Leader of The Jay Starr Team at RE/MAX 1st Advantage, with 22 years of full-time real estate experience serving South-Central Pennsylvania and Central Maryland. With hundreds of homes sold, 40+ five-star reviews, and the Certified Luxury Home Marketing Specialist designation, Jay brings deep expertise across luxury homes, large land tracts, farms, hunting properties, residential estates, and investment properties. His service area spans Franklin, Fulton, Adams, Cumberland, Bedford, and Huntingdon Counties in PA, as well as Washington County, MD. Outside of real estate, Jay manages over 10 honeybee hives and harvests local honey, a reflection of his commitment to stewardship, community, and the rural lifestyle many of his clients value.

RE/MAX 1st Advantage · (717) 658-0177

 

Equal Housing Opportunity. Jay Starr is a Licensed Real Estate Salesperson regulated by the Pennsylvania Real Estate Commission. This article is general information only and is not legal, tax, or financial advice. Confirm your specific numbers and contract terms with your title company, tax advisor, or lender.

Posted in Client Questions
Sept. 18, 2026

What Sellers Pay at Closing in South Central PA

Sellers in South Central Pennsylvania pay realty transfer tax, title company charges, mortgage payoff costs, and any contract-negotiated concessions at closing. Transfer tax is split by contract custom, often 50/50, but every line item is negotiable, your net proceeds depend on your specific deal.

What closing costs does a seller pay in Chambersburg & South Central Pennsylvania?

Sellers in Chambersburg & South Central Pennsylvania pay four main categories at closing: realty transfer tax (a state layer plus a local layer), title company charges for settlement and deed work, payoff items tied to the existing mortgage and any liens, and any concessions the contract requires. None of these are fixed percentages, the allocation of transfer tax is negotiable by contract, and concessions vary deal by deal. Your actual net proceeds depend on your sale price, your loan balance, and what you agreed to in the agreement of sale.

Key Takeaways

  • Pennsylvania imposes a state realty transfer tax of 1% of the value of the real estate transferred, collected by county Recorders of Deeds at or before recording, per the Pennsylvania Department of Revenue.

  • The split of that transfer tax between buyer and seller is not set by law, it is negotiated in the agreement of sale, with a 50/50 split being a common local custom in South Central PA, not a requirement.

  • In Washington County, Maryland, the state transfer tax rate is 0.5% under Tax-Property §13-203, and the recordation tax is $3.80 per $500 of consideration, but if the buyer is a first-time Maryland homebuyer, the seller is typically required to pay the entire amount unless the parties expressly agree otherwise.

  • Title company charges cover the settlement fee, deed preparation, recording fees, wire/courier costs, and miscellaneous processing, these are separate from transfer tax and come out of seller proceeds at closing.

  • Seller-paid concessions (closing cost contributions, repair credits, home warranties) are negotiated in the contract and appear as debits on the seller's side of the closing statement, they directly reduce what you walk away with.

How does the Pennsylvania realty transfer tax work for sellers?

The transfer tax is the line item that surprises sellers most. Pennsylvania imposes a state realty transfer tax of 1% of the value of the real estate transferred, per the Pennsylvania Department of Revenue. That 1% is codified under 72 P.S. § 8101-C and § 8102-C and is not negotiable, it is a fixed statutory rate.

On top of the state layer, most municipalities and school districts in South Central Pennsylvania impose a local realty transfer tax. York City, for example, has its own local transfer tax ordinance under Article 355. The combined state-plus-local rate varies by municipality, which is why two sellers in the same county can face different total transfer tax burdens depending on exactly where the property sits.

Who actually pays, and is it negotiable?

This is where local practice matters. Under Pennsylvania law, both buyer and seller are jointly and severally liable for the transfer tax, the state will collect from whoever is available if the tax goes unpaid. But the Department of Revenue is explicit that buyers and sellers may agree by private contract to split the tax any way they choose, and the department is not bound by that private agreement when enforcing the tax.

In practice across South Central Pennsylvania, the agreement of sale typically specifies a 50/50 split between buyer and seller, but that is a common starting point, not a legal default. As the StatesLaws transfer tax explainer and Bucks County's transfer tax guidance both confirm, the allocation is a matter of contract and local custom. In a competitive market, a seller might negotiate the buyer to take a larger share. In a slower market or with a motivated seller, the seller might absorb more. I walk my clients through this trade-off before we ever set a list price.

One more thing sellers need to know: the transfer tax is typically collected at settlement by the title company, which coordinates with the county Recorder of Deeds. But you remain jointly liable under state law even if the title company or buyer mishandles the payment. That is another reason I always work with experienced, reputable title companies on every transaction.

Washington County, Maryland: a different tax structure

If you are selling in Washington County, MD, the transfer tax framework is meaningfully different. Maryland imposes a state transfer tax of 0.5% of consideration under Tax-Property Article §13-203. Washington County's recordation tax is $3.80 per $500 of consideration, per the Washington County Circuit Court Clerk's land records page. There is also a county transfer tax layer. In a standard Maryland REALTORS® contract, these taxes are customarily split 50/50 between buyer and seller, but that custom has a major exception.

First-time Maryland homebuyer rule. Under Tax-Property §13-203(b), when a buyer qualifies as a first-time Maryland homebuyer who will occupy the property as a principal residence, the state transfer tax rate drops to 0.25%, but the seller is required to pay it in full. Additionally, as confirmed by practitioner guidance on the first-time buyer rule, the county transfer and recordation taxes are paid entirely by the seller unless the parties expressly agree otherwise in the contract. When the seller's share moves from half to the full combined tax burden, the effect on net proceeds is substantial. I flag this for every Washington County seller the moment a buyer's first-time status comes up in the offer.

What does the title company charge the seller at closing in Pennsylvania?

Title company charges are separate from transfer tax and come straight out of your proceeds. In Pennsylvania, the title company handles settlement, not an attorney, and their charges to the seller typically fall into these categories:

  • Settlement/closing fee: The title company's charge for conducting the closing, disbursing funds, and managing the paperwork.

  • Deed preparation fee: Drafting the new deed conveying the property from you to the buyer.

  • Document recording fees: The county Recorder of Deeds charges a per-document fee to record the deed and any mortgage satisfaction or lien release. These are set by the county, not the title company.

  • Wire and courier fees: The cost of sending payoff funds to your mortgage lender, any lien holders, HOA, or tax authorities.

  • Miscellaneous processing charges: Notary fees, document storage, e-recording platform fees, and similar administrative costs.

Which of these are required? The deed, recording, and transfer tax statement are non-negotiable, they are part of a valid transfer. The settlement fee, wire fees, and processing charges are set by the title company, and while they are standard, they can vary between providers. Your title company will provide a closing disclosure that itemizes every charge before you sign anything. For a deeper look at the full settlement timeline, see my post on how long it takes to close on a house in Pennsylvania.

For Washington County, MD closings, the deed recordation process is coordinated similarly through the title company, with deed recording handled through the Washington County land records office.

What else reduces your proceeds before you get a check?

Mortgage payoff and lien releases

If you have an outstanding mortgage, the full payoff balance, principal, accrued interest through the closing date, and any prepayment penalty, comes out of your proceeds first. The title company requests a payoff statement from your lender and handles the wire. If you have a home equity line of credit, a second mortgage, or any recorded liens (contractor liens, judgment liens, tax liens), those must also be satisfied at or before closing. This is not optional: the title company will not issue a clean deed to the buyer until every lien is cleared. If your situation involves a divorce and a jointly-held mortgage, the same rules apply, you may want to read what divorcing homeowners need to know about selling in Pennsylvania before you list.

Prorated property taxes and HOA dues

In Pennsylvania, property taxes are paid in arrears, which means at closing you will owe a credit to the buyer for the portion of the tax year you owned the property before the sale. The exact proration depends on your county's tax calendar and the closing date. HOA dues, if applicable, are similarly prorated, and some HOA transfers require a transfer fee or resale certificate fee paid by the seller.

Seller-paid concessions

Concessions are negotiated in the agreement of sale and show up as debits on your side of the closing statement. In South Central Pennsylvania and Washington County, MD, the most common ones I see are:

  • Seller contribution to buyer's closing costs: A fixed dollar amount applied to the buyer's side of the closing disclosure. Buyers often ask for this when they are stretching to cover their down payment.

  • Repair credits: Instead of completing repairs before closing, a seller may agree to a credit that the buyer uses post-closing. This shows up as a debit to the seller at settlement.

  • Seller-paid home warranty: A one-year service contract paid by the seller at closing, often used as a negotiating tool to keep a deal together after inspection.

  • Cosmetic allowances: Credits for flooring, paint, or other updates the buyer wants to handle themselves.

Every concession you agree to is a direct reduction in your net proceeds. I work through this math with my sellers before we respond to any offer, because a high offer with heavy concessions can net less than a slightly lower offer with none.

Cost Category Who Sets the Amount Negotiable by Contract? PA State Realty Transfer Tax (1%) State statute (fixed rate) Rate is fixed; allocation between buyer/seller is negotiable Local/Municipal Transfer Tax (PA) Municipality or school district (fixed rate) Rate is fixed; allocation is negotiable MD State Transfer Tax (0.5% / 0.25% for first-time buyers) State statute (fixed rate) Rate is fixed; first-time buyer rule overrides standard split Washington County, MD Recordation Tax ($3.80 per $500) County (fixed rate) Allocation negotiable except under first-time buyer rule Title company / settlement fees Title company Yes, varies by provider Mortgage payoff Lender (your loan balance) No Seller concessions Agreement of sale Yes, fully negotiated Property tax proration Closing date and county tax calendar Limited, set by proration method in contract

Frequently Asked Questions

How is the real estate transfer tax split between buyer and seller in South Central Pennsylvania, and can we negotiate it?

The split is fully negotiable by contract, there is no Pennsylvania law requiring a specific allocation. A 50/50 split is a common starting point in local agreements of sale, but either party can agree to take on more or less of the combined state and local transfer tax. The Pennsylvania Department of Revenue is clear that private agreements on the split do not bind the state, both parties remain jointly liable, so the title company handles the actual payment at settlement regardless of how the contract divides it.

What does the title company charge the seller at closing in Pennsylvania, and which fees are required?

The title company charges the seller a settlement fee, deed preparation fee, document recording fees, wire or courier fees, and miscellaneous processing charges. The deed, recording, and transfer tax statement are required for a valid transfer; the settlement fee and processing charges are set by the title company and can vary between providers. Your closing disclosure will itemize every charge before you sign.

What seller-paid concessions are most common in South Central Pennsylvania offers, and how do they show up at closing?

The most common concessions I see in South Central Pennsylvania are seller contributions to the buyer's closing costs, repair credits in lieu of completed repairs, seller-paid home warranties, and cosmetic allowances for flooring or paint. Each one appears as a debit on the seller's side of the closing statement, directly reducing net proceeds. They are agreed to in the contract, so the amount is fixed by the time you reach the closing table, which is why it is worth running the numbers on every offer before you accept.


The bottom line: sellers in South Central Pennsylvania and Washington County, Maryland face a predictable set of cost categories, but the exact dollar impact of each one depends on your sale price, your loan balance, your municipality's transfer tax rate, your buyer's status, and what you negotiated in the contract. The only way to know what you will actually net is to run your specific numbers, and that is exactly the conversation I have with every seller before we go to market.

If you are thinking about selling and want a clear picture of what closing costs will look like for your property, reach out to Jay today for a personalized net proceeds consultation.

About Jay Starr

Jay Starr is a REALTOR® and Team Leader of The Jay Starr Team at RE/MAX 1st Advantage, with 22 years of full-time experience serving South-Central Pennsylvania and Central Maryland. With hundreds of homes sold, 40+ five-star reviews, and the Certified Luxury Home Marketing Specialist designation, Jay provides expert guidance across luxury homes, large land tracts, farms, hunting properties, residential estates, and investment properties. His service area includes Franklin, Fulton, Adams, Cumberland, Bedford, and Huntingdon Counties in PA, as well as Washington County, MD. Outside of real estate, Jay manages over 10 honeybee hives and harvests local honey, a reflection of his commitment to stewardship, community, and the rural lifestyle many of his clients value.

RE/MAX 1st Advantage · (717) 658-0177

 

Equal Housing Opportunity. Jay Starr is a Licensed Real Estate Salesperson regulated by the Pennsylvania Real Estate Commission. This article is general information only and does not constitute legal, tax, or financial advice. Confirm your specific closing costs, tax obligations, and net proceeds with your title company, tax advisor, or lender.

Posted in Client Questions
Sept. 17, 2026

Behind the Scenes: From Packed Open House to $37,100 Over Asking Price at 21 Hillcrest Road

When over 100 people tour a single home in a weekend, you know something special is happening. But turning massive foot traffic into maximum cash in the seller’s pocket requires precision execution from initial launch to final negotiation. Today, we are thrilled to share the final chapter of our listing at 21 Hillcrest Road in Fayetteville, PA—a record-setting success story that highlights what happens when preparation, high-impact marketing, and strategic pricing align.

The Final Numbers

  • List Price: $264,900

  • Offers Received: 8 Competitive Offers

  • Key Offer Term: Nearly all offers included aggressive escalation addendums

  • Final Sold Price: $302,000 ($37,100 over asking price!)

The Strategy Behind the Bidding War

A final sale price of $302,000 on a $264,900 listing doesn't happen by accident. Setting the list price isn't about testing the ceiling—it's about creating maximum buyer leverage. By positioning the property effectively with custom staging, high-definition aerial media, direct mailers, and a VIP open house experience, we created an environment of high urgency.

Receiving eight offers did far more than just push the final price $37,100 above asking—it gave our sellers complete control over the transaction. With nearly every offer leveraging escalation clauses, buyers naturally competed against each other. This incredible leverage allowed us to negotiate not just top dollar, but also ideal settlement timelines, waived contingencies, and favorable appraisal terms for our sellers.

What Buyers Loved Most About 21 Hillcrest Road

This property offered a rare combination of lifestyle and mechanical features that made buyers fall in love:

  • Direct Access to Michaux State Forest: Tens of thousands of acres of ridges, hardwoods, and mountain laurel start right where the backyard ends—with Caledonia State Park, the Appalachian Trail, and Historic Gettysburg just minutes away.

  • Premium Mechanicals: PEX radiant floor heating powered by a propane tankless boiler for unbeatable underfoot warmth.

  • Move-In Ready Layout: Updated kitchen, primary suite with a jetted tub, morning room, river stone fire ring, and an oversized lower-level heated garage.

Thinking About Selling Your Home in Franklin or Adams County?

A record-breaking sale is the result of deliberate preparation, targeted marketing, and a pricing strategy built to spark competition. If you're considering selling, the goal isn't just to find a buyer—it's to create an environment where multiple buyers compete for your home.

Whether you're curious about your home's current market value or want to learn more about our proven listing strategy, let’s talk!

📞 Call or Text Jay Starr Today

🌐 Visit jaystarr.com to schedule your custom home valuation!

Sept. 17, 2026

Luxury Homes in Laurich Hills and Laurich Ridge Chambersburg

Laurich Hills and Laurich Ridge are one of Chambersburg's upper-tier residential subdivisions, offering some newer construction, larger lots, open-concept layouts, and upscale finishes well above the city's 2026 median sale price range of roughly $238,000–$290,000. Both neighborhoods sit near I-81 with easy access to Washington County, Maryland.

What makes Laurich Hills and Laurich Ridge the top luxury neighborhoods in Chambersburg, PA?

Laurich Hills and Laurich Ridge are one of Chambersburg's upper-tier residential subdivisions, consistently positioned above the city's 2026 median sale price range. Both neighborhoods offer newer construction, larger lots, open-concept layouts, and high-end finishes that set them apart from the older in-town housing stock. For buyers seeking a move-up or luxury home in South Central Pennsylvania without leaving the region's small-town character, these two communities are the benchmark.

Key Takeaways

  • Chambersburg's mid-year 2026 median sale price is approximately $287,167, according to a WPXI mid-year housing market review, Laurich Hills and Laurich Ridge homes are positioned above this figure.

  • The Chambersburg metro had only 2.4–2.5 months of supply as of mid-2026, keeping well-priced upper-tier homes competitive even at higher price points.

  • About 28.9% of Chambersburg-area homes sold above asking price in the May 2026 window, per Will It Flow's metro dashboard, reflecting real demand pressure even in the luxury segment.

  • Chambersburg home values are up nearly 29.8% since 2022 and roughly 70.7% above February 2019 levels, according to Stacker and WPXI, making early entry into neighborhoods like Laurich Hills and Laurich Ridge a meaningful long-term decision.

  • In Pennsylvania, luxury home closings are handled by a title company, not an attorney, which coordinates the title search, settlement statement, and deed recording with the Franklin County Recorder of Deeds.

What do homes in Laurich Hills and Laurich Ridge actually look like?

I walk buyers through these neighborhoods regularly, and the first thing most people notice is the streetscape. Cul-de-sacs, sidewalks, mature plantings, and orderly lawns create an immediate sense of distinction from older Chambersburg neighborhoods where pre-1950s row homes and twins dominate.

The architecture in Laurich Hills leans toward two-story traditional and neo-colonial designs, often with brick or stone accents on the façade, multi-car attached garages, and paved driveways with decorative landscaping. Step inside and you'll typically find open-concept main floors, upgraded kitchens with solid-surface countertops and modern cabinetry, stainless appliances, and primary suites with walk-in closets. These are not starter homes, they're built for buyers who have done that chapter and want the home to match the life they've built.

Laurich Ridge mirrors this move-up sensibility. Expect quality construction, larger square footage than anything you'd find in central Chambersburg's older stock, and layouts that put a premium on entertaining space and outdoor living. Patios, decks, and usable backyard space are common. Lot sizes frequently run a quarter-acre or more, giving you genuine separation from your neighbors without sacrificing the maintained-neighborhood feel.

One thing I tell every buyer who asks about these neighborhoods: the newer construction vintage matters beyond aesthetics. You're getting better energy efficiency, updated mechanical systems, and HOA-maintained standards that protect the value of what you're buying. That's a real difference from a cosmetically renovated older home, and it shows up over time.

How Laurich Hills and Laurich Ridge compare to the broader Chambersburg market

Context matters here. The Chambersburg market in 2026 is running at a citywide median sale price of roughly $238,000–$290,000 depending on the source and time window. Redfin's three-month data ending July 2026 shows a median of $238,000, while the WPXI mid-year review puts the mid-2026 median closer to $287,167. Zillow's ZHVI as of April 2026 data shows an average home value of $288,716.

Homes in Laurich Hills and Laurich Ridge consistently sit above these citywide figures. When you see a broader Chambersburg median, understand that it includes everything, older in-town stock, smaller condos, and entry-level product. Laurich Hills and Laurich Ridge are priced for what they are: the upper tier of the local market.

Data Source Period Chambersburg Median Sale Price Days on Market WPXI Mid-Year Review Mid-Year 2026 $287,167 Not specified Redfin 3 months ending July 2026 $238,000 17 days avg. Zillow ZHVI Through April 30, 2026 $260,317 (sale); $288,716 (avg. value) 11 days (median pending) Will It Flow Metro Dashboard May 2026 $290,000 Not specified

The spread across these sources reflects different methodologies and time windows, not conflicting markets. What they all confirm is a seller-leaning environment with limited supply. The Will It Flow metro dashboard puts supply at 2.4 months as of May 2026, and the WPXI mid-year review shows 2.5 months. That's tight. Well-positioned luxury listings in Laurich Hills and Laurich Ridge don't sit.

For the longer view: Stacker's analysis shows Chambersburg values up nearly 29.8% since 2022, and WPXI's broader trend piece puts February 2026 prices 70.7% above February 2019. If you're weighing whether now is the right time to buy in this segment, that trajectory is worth understanding. I track Chambersburg home values closely and can walk you through exactly where Laurich Hills and Laurich Ridge fit in that picture today.

Why do professionals and move-up buyers choose Chambersburg's luxury neighborhoods?

The honest answer is the combination of space, quality, and access. Laurich Hills and Laurich Ridge give you a home that performs at a higher level, more square footage, better finishes, larger outdoor space, while keeping you connected to the regional economy.

I-81 runs right through the area, and the drive to Washington County, Maryland, Hagerstown and its surrounding employment centers, hospitals, and logistics hubs, is straightforward from Chambersburg. That cross-border commute pattern is well-documented in Pennsylvania and Maryland labor market studies, and it's a real factor for buyers who want the lower-density feel of South Central PA while staying within reach of Maryland job markets. You're getting more home and more land than you'd find at a comparable price point in many Maryland suburbs, and that math matters to a lot of my clients.

Locally, both neighborhoods sit within the Chambersburg Area School District and offer proximity to parks, walking trails, and the Appalachian foothills for buyers who value outdoor recreation. The quiet streets and low traffic in these subdivisions are part of the draw, it's a different pace than in-town living, and buyers who move here tend to stay.

If you want to see how Laurich Hills and Laurich Ridge compare to other upper-tier communities in the region, my Greencastle Greens luxury living guide covers another strong option in South Central PA. And for a broader look at what's available right now, the Central Pennsylvania luxury homes for sale roundup gives you a current snapshot across the region.

Every buyer's situation is different, your timeline, your must-haves, your commute priorities. The only way to know which neighborhood and which home actually fits is to run through it together. That's exactly what I do before we ever step into a showing.

FAQ: Buying a Luxury Home in Laurich Hills or Laurich Ridge

Is Laurich Hills considered a luxury neighborhood in Chambersburg, and what sets it apart from other subdivisions?

Yes, Laurich Hills is widely recognized as one of Chambersburg's upper-tier residential communities. It stands apart from other subdivisions through newer construction vintages, larger lot sizes, higher-end interior finishes, and HOA-maintained streetscapes, all of which contrast sharply with the older in-town housing stock that makes up a significant portion of Chambersburg's overall inventory.

What kind of home styles and lot sizes can I expect in Laurich Ridge compared to the rest of Chambersburg?

Laurich Ridge homes typically feature two-story traditional or move-up designs with quality construction, open-concept layouts, and outdoor living space including patios and decks. Lot sizes frequently run a quarter-acre or more, which is meaningfully larger than what you'll find in central Chambersburg's older neighborhoods. The overall character is suburban-rural edge: orderly streets, maintained yards, and views of surrounding farmland or low hills.

How do home prices in Laurich Hills and Laurich Ridge compare to the overall Chambersburg median in 2026?

Homes in Laurich Hills and Laurich Ridge are consistently positioned above Chambersburg's citywide median, which various 2026 sources place between roughly $238,000 and $290,000 depending on the data window and methodology. The upper-tier finishes, newer construction, and larger lots in these subdivisions place them in a higher price segment than the city average reflects. For a current, specific picture of where active listings sit, reach out directly, I track this market closely.

Are homes in Laurich Hills selling quickly, or do higher-end properties stay on the market longer?

Citywide, Chambersburg homes are moving in roughly 11–20 days depending on the source and period, with the broader metro sitting at about 2.4–2.5 months of supply as of mid-2026, still a seller-leaning market. Upper-tier homes can take a bit longer to find the right buyer, but in tight inventory conditions, well-staged and properly priced listings in Laurich Hills and Laurich Ridge are competitive. Pricing and presentation are the variables that matter most at this level.

What is the commute like from Laurich Hills to jobs in Washington County, Maryland?

The drive from Chambersburg to Hagerstown and Washington County, MD is straightforward via I-81 and typically runs under 30 minutes in normal conditions. This cross-border commute is a documented factor in South Central PA housing demand, particularly for professionals working in Maryland's healthcare, logistics, and distribution sectors who prefer Pennsylvania's lower-density living environment. It's one of the reasons I hear consistently from buyers who choose Laurich Hills and Laurich Ridge.

When I buy a luxury home in Chambersburg, who handles the closing?

In Pennsylvania, closings are handled by a title company, not an attorney, as is common in some other states. The title company performs the title search, prepares the settlement statement, coordinates loan documents, disburses funds, and records the deed with the Franklin County Recorder of Deeds. For a luxury purchase in Laurich Hills or Laurich Ridge, working with an experienced local title company familiar with Franklin County transactions is worth discussing early in the process.

Ready to See What's Available in Laurich Hills or Laurich Ridge?

The 2026 Chambersburg market is active, inventory is tight, and the upper tier moves faster than most buyers expect. If Laurich Hills or Laurich Ridge is on your radar, the best next step is a direct conversation about what's available, what's coming, and what a specific home would mean for your situation.

Reach out to Jay today, I'll walk you through the current inventory, give you a real read on pricing in these neighborhoods, and make sure you're positioned to move when the right home comes up.

About Jay Starr

Jay Starr is a REALTOR® and Team Leader of The Jay Starr Team at RE/MAX 1st Advantage, with 22 years of full-time real estate experience serving South-Central Pennsylvania and Central Maryland. With hundreds of homes sold, 40+ five-star reviews, and the Certified Luxury Home Marketing Specialist designation, Jay specializes in luxury homes, large land tracts, farms, hunting properties, residential estates, and investment properties across Franklin, Fulton, Adams, Cumberland, Bedford, and Huntingdon Counties in PA, as well as Washington County, MD. Clients consistently praise his knowledge, patience, and negotiation skill. Outside of real estate, Jay manages over 10 honeybee hives and harvests local honey, a reflection of his commitment to stewardship, community, and the rural lifestyle many of his clients value.

RE/MAX 1st Advantage · (717) 658-0177

 

Equal Housing Opportunity. Jay Starr is a Licensed Real Estate Salesperson regulated by the Pennsylvania Real Estate Commission. This article is general information only and does not constitute legal, tax, or financial advice. Confirm all transaction details, including closing costs, transfer taxes, and financing terms, with your title company, tax advisor, or lender. Broker fees and commissions are fully negotiable and not set by law.