Cambria County, Pennsylvania home prices
Typical home $124,304 · +3.5% in a year · property tax 1.23%
The typical home in Cambria County is worth $124,304, 57% less than the Pennsylvania typical home ($287,078). Values changed +3.5% in the past year and -13.0% over five years. Homeowners here pay a median 1.23% of their home's value in property tax each year ($1,533 on the typical home), versus 1.12% statewide.
Mortgage on the typical Cambria County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $24,861 | $99,443 | $669 | $0 | $190 | $859 | $36,800 |
| 10% down | $12,430 | $111,874 | $753 | $47 | $190 | $989 | $42,400 |
| 5% down | $6,215 | $118,089 | $794 | $49 | $190 | $1,033 | $44,300 |
| 3.5% down (FHA) | $4,351 | $122,053 | $821 | $55 | $190 | $1,066 | $45,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.23% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Pennsylvania · part of the Johnstown metro area.
Pennsylvania counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jefferson County | $121,510 | -0.7% | 1% |
| Venango County | $127,794 | -0.4% | 1.27% |
| Forest County | $130,593 | +7.2% | 0.99% |
| Elk County | $137,822 | +15.8% | 1.27% |
| McKean County | $109,724 | -3.2% | 1.59% |
| Warren County | $139,074 | +2.1% | 1.32% |
| Cameron County | $109,199 | -7.9% | 1.59% |
| Clarion County | $140,548 | -1.8% | 0.97% |
| Fayette County | $143,795 | -1.6% | 1.12% |
| Clearfield County | $144,352 | +4.3% | 1.09% |
Frequently asked questions
What is the average home price in Cambria County, PA?
The typical home value in Cambria County is $124,304 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cambria County?
About $36,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cambria County?
The median effective rate is 1.23% of home value a year (Census ACS 2024 5-year estimates).