Johnstown, PA home prices
Typical home $124,303 · +3.5% in a year · income needed $36,800
The Johnstown, PA metro area ranks 859 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.5% in a year and -13.0% over five years. With 20% down at 7.11%, the typical home costs about $859 a month including 1.23% property tax (Cambria County rate).
Mortgage on the typical Johnstown home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $24,861 | $99,442 | $669 | $0 | $190 | $859 | $36,800 |
| 10% down | $12,430 | $111,873 | $753 | $47 | $190 | $989 | $42,400 |
| 5% down | $6,215 | $118,088 | $794 | $49 | $190 | $1,033 | $44,300 |
| 3.5% down (FHA) | $4,351 | $122,051 | $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.
Counties in the Johnstown area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cambria County, PA | $124,304 | +3.5% | 1.23% |
What can you afford in Pennsylvania on your salary? · Pennsylvania home prices · Salaries in Pennsylvania
Frequently asked questions
How much is a house in Johnstown?
The typical home in the Johnstown, PA metro area is worth $124,303 (Zillow, September 2026).
What salary do you need to buy a house in Johnstown?
About $36,800 a year for the typical home with 20% down at 7.11%.