In Johnstown, a typical home is worth $157,800 and typical rent is $914 a month. Compared with all of Fulton County, the share of households that own their home is 11 points lower.
Typical home value from Zillow, March 2024 to September 2026: from $190,441 to $206,247.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Johnstown is in Fulton County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Fulton County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Gloversville, the typical home value is $106,400: 33% less than in Johnstown ($157,800).
2
60% of households in Johnstown own their home, against 71% in Fulton County.
3
Johnstown has the 32nd lowest typical rent of the 333 cities in New York with more than 5,000 people ($914).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Johnstown
What homes there are in Johnstown, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Johnstown
Fulton County
New York
United States
Kind of home: Johnstown and its comparisons
Measure
Johnstown
Fulton County
New York
United States
Detached house
49%
66%
41%
61%
Attached house
Unreliable estimate
2%
6%
6%
Building of 2 to 4
33%
19%
17%
8%
Apartments (5 or more)
Unreliable estimate
5%
35%
19%
Mobile home
3%
9%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
No kind of home is the majority in Johnstown; the largest group, detached houses, adds up to 49%, less than in Fulton County (66%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Johnstown
Fulton County
New York
United States
Year built: Johnstown and its comparisons
Measure
Johnstown
Fulton County
New York
United States
Before 1960
75%
56%
52%
26%
1960–1979
14%
19%
22%
24%
1980–1999
8%
16%
14%
25%
2000–2009
Unreliable estimate
5%
6%
14%
2010 or later
Unreliable estimate
4%
6%
11%
The typical home in Johnstown was built in 1941, 13 years before the typical one in Fulton County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K22%
$100K–$200K48%
$200K–$300K19%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Johnstown and its comparisons
Measure
Johnstown
Under $100K
22%
$100K–$200K
48%
$200K–$300K
19%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99966%
$1,000–$1,49926%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Johnstown and its comparisons
Measure
Johnstown
Under $500
Unreliable estimate
$500–$999
66%
$1,000–$1,499
26%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,446 a month
Fulton County: $1,469 a month
Without a mortgage
$621 a month
Fulton County: $611 a month
Owners with a mortgage
57%
Fulton County: 52%
The typical cost for an owner with a mortgage in Johnstown is $1,446 a month, near the figure in Fulton County ($1,469).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Johnstown+67%
Fulton County+49%
New York+35%
United States+53%
Typical rent
Johnstown+12%
Fulton County+17%
New York+27%
United States+33%
Typical household income
Johnstown+26%
Fulton County+32%
New York+26%
United States+29%
Change since 2015–2019: Johnstown and its comparisons
Measure
Johnstown
Fulton County
New York
United States
Typical home value
+67%
+49%
+35%
+53%
Typical rent
+12%
+17%
+27%
+33%
Typical household income
+26%
+32%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Johnstown rose 67%; in Fulton County, it rose 49%.
Rents in Johnstown rose more slowly than in Fulton County: 12% since 2015–2019, against 17%.
To compare: typical income in Johnstown rose 26%; the home, +67%; the rent, +12%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Johnstown and its comparisons
Measure
Johnstown
Fulton County
New York
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
3.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
0.9%
5.3%
3.4%
People per household
1.99
2.23
2.49
2.53
Drive alone
78%
81%
49%
69%
Carpool
Unreliable estimate
8%
6%
9%
Public transit
Unreliable estimate
Unreliable estimate
22%
3%
Walk or bike
Unreliable estimate
3%
6%
3%
Work from home
8%
7%
15%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 1.99 on average, against 2.23 in Fulton County.
To get to work, 78% of workers in Johnstown drive alone; in Fulton County, 81%.
Do the math
What would you pay each month for a home in Johnstown?
A typical home is within reach of the typical income
We start with a typical home in Johnstown, worth $157,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Johnstown, which is $63,763 a year.
The calculator's FHA and conventional loan limits are those of all of Fulton County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Johnstown. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,523 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,486
at 7.18% · 30 years
Loan amount
$154,942
Total interest
$222,925
Paid off in
November 2056
Includes $2,665 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,488 a month
Your payment · 28%
Tight
$1,488 to $1,913 a month
Hard
more than $1,913 a month
Compared with the typical household income in Johnstown ($63,763 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,050
Property tax
$301
Home insurance
$66
FHA mortgage insurance (MIP)
$70
You need at least $5,523 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,486; principal and interest $1,050.
The city and its county
Johnstown and Fulton County
Johnstown is in Fulton County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Johnstown
Map of Fulton County, New York, with Johnstown marked. Around it, the neighboring counties.
Johnstown
Fulton County
Other cities with a page
Johnstown's own numbers
Typical home value
$157,800
Typical monthly rent
$914
Typical yearly household income
$63,763
Households that own their home
60%
Effective property tax rate
2.29%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Fulton County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,051
Price change over 5 years (FHFA)
+60%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Fulton County.
A typical home in Johnstown is worth $157,800: 3% below the county and 63% below New York. With the typical household income in Johnstown ($63,763 a year), a typical home costs 2.5 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Johnstown2.5 years
Fulton2.5 years
New York4.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Fulton County
According to FHFA’s house price index, home prices in Fulton County rose 82% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Fulton County.
Yearly change in FHFA’s price index in Fulton County, 2016 to 2025
2016: −1.0% −1.0% 2016
2017: +1.7% +1.7% 2017
2018: +5.8% +5.8% 2018
2019: +5.9% +5.9% 2019
2020: +1.0% +1.0% 2020
2021: +13.2% +13.2% 2021
2022: +14.5% +14.5% 2022
2023: +9.2% +9.2% 2023
2024: +2.0% +2.0% 2024
2025: +10.6% +10.6% 2025
Change in FHFA’s price index in Fulton County, New York and the United States
Period
County
New York
U.S.
Last year (2025)
+10.6%
+6.0%
+2.9%
5 years (2020–2025)
+60%
+52%
+47%
10 years (2015–2025)
+82%
+86%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Johnstown next to Fulton County, New York and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Johnstown$157,800
Fulton$163,100
New York$423,800
United States$332,700
Typical monthly rent
Johnstown$914
Fulton$912
New York$1,621
United States$1,413
Typical yearly household income
Johnstown$63,763
Fulton$66,533
New York$85,974
United States$80,734
See the full table
Johnstown next to Fulton County and New York
Measure
Johnstown
Fulton County
New York
U.S.
Typical home value
$157,800 ▼3% below the county
$163,100
$423,800
$332,700
Typical monthly rent
$914
$912
$1,621
$1,413
Typical yearly household income
$63,763 ▼4% below the county
$66,533
$85,974
$80,734
Households that own their home
60% ▼11 points below the county
71%
54%
65%
Typical yearly property tax
$3,613 ▲7% above the county
$3,364
$6,582
$3,119
Effective property tax rate
2.29% ▲0.23 points above the county
2.06%
1.55%
0.94%
Renters with high rent for their income
43% ▲2 points above the county
41%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fulton County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Johnstown
For a typical $157,800 home in Johnstown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Johnstown's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,486a month
Least cash to close
Down payment
$5,523
Cash to close
$10,257
Rate
7.18%
Mortgage insurance
FHA MIP · $70
Conventional, 5% down$1,457a month
Down payment
$7,890
Cash to close
$12,624
Rate
7.18%
Mortgage insurance
PMI · $75
Conventional, 20% down, no PMI$1,222a month
Down payment
$31,560
Cash to close
$36,294
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,368a month
Down payment
$23,670
Cash to close
$28,404
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Johnstown
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,486
$5,523
$154,942
7.18%
FHA MIP · $70
$10,257
580
Conventional, 5% down
$1,457
$7,890
$149,910
7.18%
PMI · $75
$12,624
620*
Conventional, 20% down, no PMI
$1,222
$31,560
$126,240
7.18%
None
$36,294
620*
ITIN, 15% down (example)
$1,368
$23,670
$134,130
8.18%
None
$28,404
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Johnstown is $914 a month: about the same as the county. In Johnstown, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Fulton County, by unit size. To pay the 2-bedroom one ($1,051 a month) without spending more than 30% of your income, you would need to earn $20.21 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Fulton County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$770
$14.81
$30,800
1 bedroom
$803
$15.44
$32,120
2 bedrooms
$1,051
$20.21
$42,040
3 bedrooms
$1,252
$24.08
$50,080
4 bedrooms
$1,427
$27.44
$57,080
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Johnstown
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Johnstown is in ZIP code 12095.
For 2 bedrooms it is $1,030: $21 less than the fair market rent for Fulton County ($1,051).
Fair market rent by ZIP code and size in Johnstown, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
12095
$810
$810
$1,030
$1,250
$1,400
ZIP code2 bd3 bd
12095 $1,030$1,250
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Johnstown when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Fulton County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Johnstown or Fulton County. The ones below are statewide in New York: they work in Johnstown the same as in the rest of the state.
SONYMA second loan with no interest, forgiven after ten years, for the down payment with a SONYMA mortgage in New York.Offered by State of New York Mortgage Agency (SONYMA).
SONYMA mortgage at a very low fixed rate for low-income first-time buyers in New York, with a minimal down payment.Offered by State of New York Mortgage Agency (SONYMA).
No legal help resource on our list is for Johnstown or Fulton County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Johnstown and all of Fulton County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Johnstown?
The typical home value in Johnstown is $157,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fulton County it is $163,100.
How much does it cost to rent in Johnstown?
Typical rent in Johnstown is $914 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fulton County is $1,051.
What is the FHA loan limit in Johnstown?
Johnstown uses the FHA limit for all of Fulton County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Johnstown?
The typical homeowner in Johnstown pays $3,613 a year, according to the U.S. Census Bureau. That is 2.29% of the home’s value; in Fulton County, the rate is 2.06%.
Where can I find free help to buy or rent in Johnstown?
We found no HUD-approved counseling agencies with an office in Fulton County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
