HousingHandbookReference data

U.S. ZIP Code · PA16646

Cambria County · Johnstown, PA

Typical home value

$124,851[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-9.5%
5-year / yr
-6.1%
10-year / yr
-1.0%

Relative price

vs U.S.
-56.0%
vs metro
+9.2%
vs state
-46.5%
ZIP 16646 location in PA
Location of ZIP 16646 in PA

Price history

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

The typical home in 16646 is worth $124,851 — 9.2% above the Johnstown, PA median. Over the past year, values have fallen 9.5%. The effective property tax rate is 1.2%.

#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
1.2%[3]
Typical annual tax
$1,473[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
2,185[3]
Median household income
$66,359[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

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$631
Loan principal$99,881
Down payment$24,970
Total interest paid$127,393

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$858
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
23rd percentile[1]
Rental yield
[2]
Property tax
77th percentile[3]

Frequently asked

How much is a home worth in ZIP code 16646?
The typical home in 16646 is worth $124,851, based on the Zillow Home Value Index.
Are home values rising in 16646?
Home values in 16646 are down 9.5% over the past year, and down 6.1% a year over five years.
What is the property tax rate in 16646?
The effective property tax rate in 16646 is 1.2% — roughly $1,473 a year on a typical home.
Who lives in 16646?
ZIP code 16646 has a population of 2,185 and a median household income of $66,359.

#Comparable ZIPs

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

  • Carrolltown, PA

    Typical home
    $120,964
    Gross yield
  • Spring Hill CDP, PA

    Typical home
    $118,110
    Gross yield
  • Westmont, PA

    Typical home
    $132,506
    Gross yield
    9.1%
  • Beaverdale CDP, PA

    Typical home
    $114,294
    Gross yield
  • Lilly, PA

    Typical home
    $136,418
    Gross yield
  • Patton, PA

    Typical home
    $107,429
    Gross yield

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