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Very much a college town and housing is extremely cheap because it is not a very desirable place to live. Sure, it has some historic old-town charm, but the drive to Hagerstown would be more than you really need. I would highly recommend Chambersburg, although check out the part of Chambersburg it is in. You don't want to be in town. The east end of Chambersburg (out by the wal-mart) is really nice. That's where I am moving to and my mother lives there as well. It's peaceful and a country-like setting, but still close to shopping. I can understand the small children aspect as I have one of those myself.
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