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City · 18,087 residents · Cambria County, Pennsylvania

Johnstown , Pennsylvania

In Johnstown, a typical home is worth $45,400 and typical rent is $644 a month. Compared with all of Cambria County, the typical home value is 62% lower, typical household income is 35% lower, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $45,400

    62% below the county

    82% below Pennsylvania

    • Johnstown
    • Cambria
    • Pennsylvania

  • Typical rent

    $644a month

    13% below the county

    47% below Pennsylvania

    • Johnstown
    • Cambria
    • Pennsylvania

  • Typical household income

    $37,888a year

    35% below the county

    51% below Pennsylvania

    • Johnstown
    • Cambria
    • Pennsylvania

  • Households that own their home

    55%

    21 points below the county

    14 points below Pennsylvania

    • Johnstown
    • Cambria
    • Pennsylvania

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$106,179
5.1% more than 12 months ago
Typical rent
$896 a month
3.1% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Johnstown is in Cambria 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 Cambria County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Johnstown apart

What this place has that others do not, from public data, most unusual first.

  1. Johnstown has the lowest typical home value of the 273 cities in Pennsylvania with more than 5,000 people: $45,400.

  2. Johnstown has the 2nd lowest typical rent of the 265 cities in Pennsylvania with more than 5,000 people ($644).

  3. Johnstown has the 5th lowest typical household income of the 272 cities in Pennsylvania with more than 5,000 people ($37,888).

  4. 55% of households in Johnstown own their home, against 76% in Cambria County.

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

In Johnstown, 5 in 10 homes are single-family detached houses; in Cambria County, 7.

Year built

The typical home in Johnstown was built in 1942, 14 years before the typical one in Cambria County.

There are fewer big homes in Johnstown than in Cambria County: 52% have 3 bedrooms or more, against 67%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Cambria County is $1,014; about 84% of rents in Johnstown are below it.

With a mortgage

$903 a month

Cambria County: $1,199 a month

Without a mortgage

$457 a month

Cambria County: $496 a month

Owners with a mortgage

31%

Cambria County: 45%

Owning costs less in Johnstown: with a mortgage, the typical cost is $903 a month; in Cambria County, $1,199. Without one, $457.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Johnstown rose 19% since 2015–2019, less than in Cambria County (32%).

Since 2015–2019, the typical rent in Johnstown rose 23%, more than in Cambria County (17%).

The typical household income in Johnstown rose 54%: more than home values (+19%) and rent (+23%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureJohnstownCambria CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate3.9%4.9%5.5%
Homeowner vacancy Unreliable estimate1.3%0.8%0.9%
More than one person per room Unreliable estimate0.8%1.6%3.4%
People per household 2.002.232.392.53
Drive alone 68%78%68%69%
Carpool 8%7%8%9%
Public transit 5%1%4%3%
Walk or bike 7%3%4%3%
Work from home 10%10%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Johnstown are smaller: 2.00 people on average; in Cambria County, 2.23.

More people walk or bike to work in Johnstown: 7%, against 3% in Cambria County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

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 $45,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 14% of the typical household income in Johnstown, which is $37,888 a year.

The calculator's FHA and conventional loan limits are those of all of Cambria County.

Your numbers

Local data
$

Starts at the typical home value in Johnstown. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $1,589 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$441

at 7.18% · 30 years

Loan amount
$44,578
Total interest
$64,137
Paid off in
November 2056

Includes $767 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $884 a month

    Your payment · 14%

  • Tight

    $884 to $1,137 a month

  • Hard

    more than $1,137 a month

Compared with the typical household income in Johnstown ($37,888 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$441
Principal & interest$302
Property tax$100
Home insurance$19
FHA mortgage insurance (MIP)$20

You need at least $1,589 for the down payment, plus closing costs.

Next step

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.

The city and its county

Johnstown and Cambria County

Johnstown is in Cambria County, Pennsylvania. 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's own numbers

Typical home value
$45,400
Typical monthly rent
$644
Typical yearly household income
$37,888
Households that own their home
55%
Effective property tax rate
2.64%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Cambria County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
3.4%

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 Cambria County.

Everything about Cambria County

Buying

Buying a home in Johnstown

A typical home in Johnstown is worth $45,400: 62% below the county and 82% below Pennsylvania. With the typical household income in Johnstown ($37,888 a year), a typical home costs 1.2 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.

  • Johnstown 1.2 years
  • Cambria 2.1 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cambria County

According to FHFA’s house price index, home prices in Cambria County rose 56% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Cambria County.

Period County Pennsylvania U.S.
Last year (2025) +5.4% +4.7% +2.9%
5 years (2020–2025) +44% +48% +47%
10 years (2015–2025) +56% +77% +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 Cambria County, Pennsylvania and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Johnstown $45,400
  • Cambria $121,000
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Johnstown $644
  • Cambria $739
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • Johnstown $37,888
  • Cambria $58,418
  • Pennsylvania $77,971
  • United States $80,734
See the full table
Johnstown next to Cambria County and Pennsylvania
Measure Johnstown Cambria County Pennsylvania U.S.
Typical home value $45,400 $121,000 $254,500 $332,700
Typical monthly rent $644 $739 $1,209 $1,413
Typical yearly household income $37,888 $58,418 $77,971 $80,734
Households that own their home 55% 76% 69% 65%
Typical yearly property tax $1,199 $1,492 $3,311 $3,119
Effective property tax rate 2.64% 1.23% 1.3% 0.94%
Renters with high rent for their income 43% 43% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cambria 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 $45,400 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 $441a month

    Least cash to close
    Down payment
    $1,589
    Cash to close
    $2,951
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $20

  • Conventional, 5% down $433a month

    Down payment
    $2,270
    Cash to close
    $3,632
    Rate
    7.18%
    Mortgage insurance
    PMI · $22

  • Conventional, 20% down, no PMI $365a month

    Down payment
    $9,080
    Cash to close
    $10,442
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $407a month

    Down payment
    $6,810
    Cash to close
    $8,172
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Johnstown and for Cambria County.

Property tax

Effective rate in Johnstown

2.64%of the home’s value each year

$1,199 a year for the typical owner in Johnstown.

  • Johnstown 2.64%
  • Cambria 1.23%
  • Pennsylvania 1.3%

What Pennsylvania publishes Property Tax/Rent Rebate Program (PTRR) (Pennsylvania Department of Revenue)

Exemptions and deadlines in Pennsylvania

Flood risk in Cambria County

FEMA does not publish these numbers by city: they are for all of Cambria County.

Homes in the high-risk zone
3.4%
1,902
Of those, with NFIP insurance
15%
County Pennsylvania U.S.
Homes in the high-risk zone 3.4% 2% 3.5%
Of those, with NFIP insurance 15% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Johnstown

Typical rent in Johnstown is $644 a month: 13% below 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 Cambria County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Cambria County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $832 $16.00 $33,280
1 bedroom $837 $16.10 $33,480
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,404 $27.00 $56,160
4 bedrooms $1,429 $27.48 $57,160

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 has 3 ZIP codes with their own.

For 2 bedrooms it is $1,010 in all of them.

None is above the fair market rent for Cambria County ($1,014).

  • 15901 $1,010$1,410
  • 15902 $1,010$1,410
  • 15906 $1,010$1,410

2 of these ZIP codes cross 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Johnstown

HUD lists 15 buildings with rents for lower incomes in Johnstown. These are the largest.

  • Oakhurst Homes Ext. Johnstown 15906 300 low-income homes · Run by Johnstown Housing Authority · Average payment: $299 a month · Average wait: 6 months (814) 535-7771
  • Solomon Homes 1201 Solomon St, Johnstown 15902 248 low-income homes · Run by Johnstown Housing Authority · Average payment: $214 a month · Average wait: 16 months (814) 535-7771
  • Vine Street Towers 525 Vine St, Johnstown 15901 238 homes, 182 low-income · Run by Johnstown Housing Authority · Average payment: $308 a month · Average wait: 9 months (814) 535-7771
  • Townhouse Towers 420 Vine St, Johnstown 15901 170 low-income homes · Run by Johnstown Housing Authority · Average payment: $346 a month · Average wait: 3 months (814) 535-7771
  • Fulton I Connor Towers 527 Vine St, Johnstown 15901 252 homes, 169 low-income · Run by Johnstown Housing Authority · Average payment: $320 a month · Average wait: 5 months (814) 535-7771

See all 27 buildings in Cambria County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Johnstown

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 Cambria County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Johnstown

No down payment, repair or rent-help program on our list is for Johnstown or Cambria County. The ones below are statewide in Pennsylvania: they work in Johnstown the same as in the rest of the state.

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near Johnstown

The HUD-approved agencies closest to the center of Johnstown, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Neighborhood Housing Services, DBA NeighborWorks Western Pennsylvania

    10 Duff Rd Ste 402, Pittsburgh · 49 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 3 more
    (412) 281-9773

  • Fayette County Community Action Agency

    140 N Beeson Ave, Uniontown · 52 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (724) 437-6050

  • Willissae's Agency for Vision and Empowerment (WAVE)

    7171 Churchland St, Pittsburgh · 52 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (412) 573-9217

All counseling agencies in Pennsylvania

Help in Spanish near Johnstown

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Johnstown

HUD’s record names them for Johnstown or Cambria County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Johnstown Housing Authority Public housing and Section 8 vouchers (814) 535-7771

All housing agencies in Pennsylvania Source: HUD

Cities

Nearby cities

The cities closest to Johnstown, with the typical home value.

Everything about Cambria County Housing in Pennsylvania

Neighboring counties

If Cambria County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Johnstown.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Johnstown

Short answers with the numbers for Johnstown and all of Cambria 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 $45,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cambria County it is $121,000.

How much does it cost to rent in Johnstown?

Typical rent in Johnstown is $644 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cambria County is $1,014.

What is the FHA loan limit in Johnstown?

Johnstown uses the FHA limit for all of Cambria 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 $1,199 a year, according to the U.S. Census Bureau. That is 2.64% of the home’s value; in Cambria County, the rate is 1.23%.

Where can I find free help to buy or rent in Johnstown?

We found no HUD-approved counseling agencies with an office in Cambria County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).