The typical home in Johnstown, PA is worth about $110,000.
With 20% down that's a loan near $88,000 — the calculator
is pre-filled with that figure. Johnstown's home prices are among the lowest of any metro in the Northeast, a legacy of the collapse of the steel industry that once defined Cambria County. Pennsylvania's school-district-driven property tax system means the bill here can still be a meaningful share of a low purchase price even though the dollar amount is small.
$571.35 / month
Total interest
$117,687
Total paid
$205,687
Payoff
30.0 years
How much you need to earn
Johnstown, PA's median household income is about
$48,000 a year. Under standard 28/36
lending rules that supports a home price around
$153,688 with 20% down —
comfortably above the $110,000 typical price.
Typical asking rent in Johnstown, PA is about $800 a month, so owning the median home costs roughly
$36 more per month before tax
effects, maintenance, and any change in home value.
Frequently asked questions
What is a typical mortgage payment in Johnstown, PA?
On the metro's roughly $110,000 typical home with 20% down, the loan is about $88,000. Principal and interest run near $571 a month at today's rate, and Johnstown, PA's property tax plus insurance add about $265, for a full payment near $836.
Can I afford a home in Johnstown, PA on the median income?
The median household income is about $48,000 a year. Under standard 28/36 lending rules that supports a home price around $153,688 with 20% down — above the $110,000 typical price, so a median home is within reach.
Is it cheaper to rent or buy in Johnstown, PA?
Typical asking rent is about $800 a month. The full owner payment on a median home is near $836, so owning costs roughly $36 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in Johnstown, PA?
The effective property tax rate in the core county is about 1.80% of market value — roughly $1,980 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in Johnstown, PA rising or falling?
Home values are up about 4% over the past year. Johnstown's home prices are among the lowest of any metro in the Northeast, a legacy of the collapse of the steel industry that once defined Cambria County. Pennsylvania's school-district-driven property tax system means the bill here can still be a meaningful share of a low purchase price even though the dollar amount is small.