NAICS 52

Finance and Insurance in Chambersburg, PA

Metro Market Score 49.2 (Challenging), ranked #165 of 331 metros. 148 establishments, 1,107 jobs.

Metro Market Score 49.2

Favorable 0-35

Moderate 35-48

Challenging 48-60

Difficult 60+

Challenging

ⓘ Lower is better. Relative to national finance and insurance average.

Finance and Insurance conditions in Chambersburg are mixed. The 49.2 market score puts it at #165 of 331, with no metric pulling sharply in either direction. Wages, growth, and competition are all within a normal range for this industry.

Industry Concentration

19.3

LQ: 0.45

Rank #64 of 331 metros

Wage Competitiveness

47.7

$87,847 avg wage

Growth Trend

↓ 32.0

Employment growth index

Rank #226 of 331 metros

Wage Pressure

60.1

YoY wage change index

148 Finance and Insurance Firms in Chambersburg

148

Establishments

+3.5% YoY

1,107

Total Employment

-2.7% YoY

$87,847

Average Annual Wage

+11.7% YoY

0.45

Location Quotient

Below national avg

Within Pennsylvania

#6 of 14

finance and insurance metros in state

Pennsylvania state rank

#19 of 51

for finance and insurance entry risk

vs State Median

-0.3

better than median (49.5)

Chambersburg vs Pennsylvania Statewide

How this metro's finance and insurance market compares to Pennsylvania overall. The state ranks #19/51 for entry risk.

Measure	Chambersburg	PA Statewide
Overall Score	49.2 Challenging	48.8 Elevated
Score Type	Metro Market Score	Entry Risk Score
Rank	#165 of 331 metros	#19 of 51 states

Metro and state scores use different methodologies (metro has 4 QCEW-based metrics; state adds BDS survival and momentum data). Direct score comparisons are approximate.

Other Industries in Chambersburg

Information 26.7 Real Estate and Rental and Leasing 29.3 Professional, Scientific, and Technical Services 30.4 Construction 31.6 Healthcare and Social Assistance 35.9 Retail Trade 38.4 Other Services 39.3 Accommodation and Food Services 39.8 Administrative and Support Services 55.8

Finance and Insurance in Other Pennsylvania Metros

Gettysburg 29.7 #48/331 Lebanon 34.2 #71/331 Williamsport 40.7 #108/331 York-Hanover 43.6 #132/331 Altoona 44.1 #140/331 Erie 49.5 #170/331 State College 49.5 #171/331 Scranton--Wilkes-Barre 53.3 #203/331 Lancaster 54.3 #212/331 Pittsburgh 54.9 #217/331

+ 3 more metros. View all in Pennsylvania →

Finance and Insurance Metros With Similar Conditions

Metros within 5 points of Chambersburg's 49.2 score. Useful when comparing markets with comparable entry profiles.

Tallahassee, FL 49.3 #166/331 Sioux City, IA 49.1 #164/331 Bremerton-Silverdale-Port Orchard, WA 49.4 #167/331 Stockton-Lodi, CA 49.4 #168/331 Eau Claire, WI 49.5 #169/331 Youngstown-Warren, OH 48.9 #163/331 Erie, PA 49.5 #170/331 State College, PA 49.5 #171/331 Winchester, VA 48.8 #162/331 Dayton-Kettering-Beavercreek, OH 48.7 #161/331

Finance and Insurance in States Bordering Pennsylvania

State-level entry risk for finance and insurance in adjacent states. Use this to weigh cross-border options.

West Virginia 39.8 #2/51 Ohio 48.2 #14/51 Maryland 52.6 #30/51 New Jersey 53.2 #32/51 Delaware 57.7 #44/51 New York 65.4 #49/51

Browse Finance and Insurance in Other States

State-level entry risk reports for finance and insurance across all 51 markets, sorted by rank.

About Metro Market Score: A weighted composite of industry concentration (25%), wage competitiveness (25%), wage pressure (20%), and employment growth trend (30%). Lower scores indicate more favorable conditions. For Chambersburg's finance and insurance sector, the employment growth component (68.0) has the strongest pull on the composite. Metro scores use QCEW data only (no BDS survival data at metro level). Read full methodology →

Data Sources

Quarterly Census of Employment and Wages (QCEW), Bureau of Labor Statistics. MSA-level establishment counts, employment, wages, and location quotients for the Chambersburg, PA MSA area.

Data period: 2024. Last updated: April 2026.

Metro Market Assessment