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Cap Rate Analysis: Johnstown, PA

Investment metrics, interactive calculators, and data-driven analysis for Johnstown rental properties.

Market data powered by Zillow Home Value Index (ZHVI) and Zillow Observed Rent Index (ZORI) · Updated Feb 2026

Moderate — source deals carefully
Based on $115,000 median price and $810/mo median rent
Est. Cap Rate
5.77%
1% Rule
0.70%
Fails
GRM
11.8x
Price / Income
2.4x

Market Data

Median Home Price$115,000
Median Monthly Rent$810
Property Tax Rate1.38%
Population50,000
Population Growth0.2% / yr
Median Household Income$47,800
Vacancy Rate6%
Annual Appreciation2.3%

Cap Rate Calculator — Johnstown

Pre-filled with Johnstown medians. Adjust to match a specific property.

Property Details
$
$
3–8% typical
%
Monthly Expenses
1.38% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
4.65%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$5,345
net operating income
Gross Rent Multiplier
11.8x
Good (<15)
1% Rule
0.70%
✗ Fails
Monthly Cash Flow
$445
before debt service
Annual Breakdown
Gross Rental Income$9,720
Less Vacancy−$583
Effective Income$9,137
Less Operating Expenses−$3,792
Net Operating Income$5,345
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Cash-on-Cash Return — Johnstown

Factor in financing to see your actual return on invested capital in Johnstown.

$
$28,750
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-3.44%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$32,200
$28,750 down + $3,450 closing
Monthly Mortgage
$562
on $86K loan
Monthly Cash Flow
$-92
after all expenses
Annual Cash Flow
$-1,107
before taxes
Cash Flow Breakdown
Monthly Rent$810
Less Expenses−$340
Less Mortgage−$562
Monthly Cash Flow$-92

Is Johnstown a Good Place to Invest in Rental Property?

Johnstown, PA has a population of 50,000 and has been growing at 0.2% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $115,000 paired with median rents of $810/mo produces an estimated cap rate of 5.77%.

Property taxes at 1.38% fall within the national average range and shouldn't present unusual challenges. The vacancy rate of 6% is moderate and within normal parameters for a healthy rental market.

At a price-to-income ratio of 2.4x, homes cost about 2.4 times the local median income of $47,800. This relatively affordable ratio suggests a deep pool of renters who find buying out of reach, supporting rental demand. Home values have appreciated at roughly 2.3% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: Johnstown presents moderate opportunities. Cap rates near 5.77% mean deals need careful sourcing — look for value-add rehabs or emerging neighborhoods where rents are climbing.

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