HousingHandbookReference data

U.S. ZIP Code · PA16640

Cambria County · Johnstown, PA

Typical home value

$88,595[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-0.1%
5-year / yr
-0.8%
10-year / yr
+1.6%

Relative price

vs U.S.
-68.8%
vs metro
-22.5%
vs state
-62.1%
ZIP 16640 location in PA
Location of ZIP 16640 in PA

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 16640 is worth $88,595 — 22.5% below the Johnstown, PA median. Over the past year, values have fallen 0.1%. The effective property tax rate is 1.4%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
1.4%[3]
Typical annual tax
$1,198[3]

#Climate risk

FEMA National Risk Index ratings for Cambria County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Low[4]
Riverine flood
Relatively Moderate
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
No Rating
Heat wave
Very Low
Hurricane
Relatively Low
Tornado
Relatively Low
Earthquake
Relatively Low
Winter weather
Relatively Moderate

#Who lives here

Population
1,077[3]
Median household income
$54,286[3]

#Migration

Household moves in and out of Cambria County over a year, from IRS tax-return data.

Net migration
-198[5]
Moved in
1,987
Moved out
2,185

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
2
Elementary
1
Middle
0
High
1
  • Glendale JSHS

    High · Grades 7–12 · Glendale SD

    346 students

  • Glendale El Sch

    Elementary · Grades K–6 · Glendale SD

    325 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$448
Loan principal$70,876
Down payment$17,719
Total interest paid$90,399

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$621
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
68th percentile[1]
Rental yield
[2]
Property tax
82nd percentile[3]

Frequently asked

How much is a home worth in ZIP code 16640?
The typical home in 16640 is worth $88,595, based on the Zillow Home Value Index.
Are home values rising in 16640?
Home values in 16640 are down 0.1% over the past year, and down 0.8% a year over five years.
What is the property tax rate in 16640?
The effective property tax rate in 16640 is 1.4% — roughly $1,198 a year on a typical home.
Who lives in 16640?
ZIP code 16640 has a population of 1,077 and a median household income of $54,286.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • South Fork, PA

    Typical home
    $83,797
    Gross yield
  • Northern Cambria, PA

    Typical home
    $79,130
    Gross yield
  • Vinco CDP, PA

    Typical home
    $99,711
    Gross yield
  • Nanty-Glo, PA

    Typical home
    $76,786
    Gross yield
  • PA

    Typical home
    $102,082
    Gross yield
  • Gallitzin, PA

    Typical home
    $106,070
    Gross yield

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