JOHNSTOWN Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Johnstown averaged 6.56% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.67% and one month ago for the week of 2025-02-27, the average rate was 6.78%.

    Johnstown's average rate one year ago was 6.71%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.54%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Johnstown 30 Year Fixed Rate 2025-04-03 6.56%
    Johnstown 30 Year Fixed Rate Refi 2025-04-03 6.54%
    Johnstown 15 Year Fixed Rate 2025-04-03 5.72%
    Johnstown 15 Year Fixed Rate Refi 2025-04-03 6.42%
    Johnstown 30 Year FHA 2025-04-03 6.31%
    Johnstown 30 Year FHA Refi 2025-04-03 6.16%
    Johnstown 30 Year USDA 2025-04-03 6.12%
    Johnstown 30 Year USDA Refi 2025-04-03 6.52%
    Johnstown 30 Year VA 2025-04-03 6.06%
    Johnstown 30 Year VA Refi 2025-04-03 6.26%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within JOHNSTOWN, PA.

    JOHNSTOWN Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the JOHNSTOWN, PA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    First Commonwealth Bank 70 6.65% $4,657
    PRIMELENDING, A PLAINSCAPITAL COMPANY 56 6.64% $5,542
    First National Bank of Pennsylvania 47 6.77% $4,134
    QUICKEN LOANS, LLC 42 6.83% $4,696
    1st Summit Bank 37 6.88% $2,517
    Flagstar Bank, FSB 25 6.80% $5,394
    S&T Bank 24 6.66% $3,322
    SOMERSET TRUST COMPANY 20 6.31% $3,834
    Wells Fargo Bank 11 6.58% $4,064
    UNITED WHOLESALE MORTGAGE, LLC 8 7.25% $5,806
    PENNSYLVANIA STATE EMPLOYEES Credit Union 7 6.41% $2,616
    JPMorgan Chase Bank 6 7.08% $4,624
    Mortgage Research Center, LLC 6 7.08% $4,075
    NAVY FEDERAL CREDIT UNION 6 6.60% $4,679
    CROSSCOUNTRY MORTGAGE, LLC 5 7.27% $6,619
    Discover Bank 5 7.30% $0
    CNB Bank 5 6.33% $3,977
    InFirst Bank 4 6.75% $3,693
    BROKER SOLUTIONS, INC. 4 7.06% $5,627
    LOANDEPOT.COM, LLC 4 6.69% $4,817
    AFFORDABLE MORTGAGE ADVISORS, LLC. 4 6.56% $4,232
    PLAZA HOME MORTGAGE, INC. 3 6.66% $6,410
    The Huntington National Bank 3 6.67% $5,147
    Mr. Cooper ( Nationstar Mortgage ) 3 6.54% $6,429
    RADIUS FINANCIAL GROUP INC. 2 6.69% $4,277
    ZILLOW HOME LOANS, LLC 2 6.56% $5,605
    EQUITY RESOURCES, INC. 2 6.38% $4,107
    ROYAL UNITED MORTGAGE LLC 2 6.88% $6,393
    NEWREZ LLC 2 7.00% $5,041
    AmeriHome Mortgage Company, LLC 2 7.25% $3,706
    MidAtlantic Farm Credit, ACA 2 7.03% $8,147
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.13% $4,476
    Truist 2 6.70% $3,580
    PNC Bank 2 6.69% $6,649
    USAA Federal Savings Bank 2 6.56% $6,264
    NATIONS RELIABLE LENDING, LLC 2 5.81% $5,869
    RELIANCE FIRST CAPITAL, LLC 1 5.99% $10,491
    Bank of America 1 6.88% $4,150
    STOCKTON MORTGAGE CORPORATION 1 6.63% $7,886
    T2 FINANCIAL LLC 1 6.88% $4,135
    TD Bank 1 6.50% $3,302
    TOTAL MORTGAGE SERVICES, LLC 1 8.13% $6,420
    Towne Bank 1 6.38% $3,984
    TRIAD FINANCIAL SERVICES, INC. 1 9.50% $2,048
    UNION HOME MORTGAGE CORP. 1 6.99% $10,393
    Union Savings Bank 1 6.75% $3,621
    Ally Bank 1 8.00% $4,040
    U.S. Bank 1 6.13% $3,555
    UTILITIES EMPLOYEES CREDIT UNION 1 6.63% $4,331
    Victorian Finance, LLC 1 6.50% $5,793
    Dollar Bank, Federal Savings Bank 1 6.88% $3,696
    DEEPHAVEN MORTGAGE LLC 1 9.38% $7,812
    FIRST HOME MORTGAGE CORPORATION 1 7.99% $4,715
    First Option Mortgage, LLC 1 6.13% $5,222
    GUARANTEED RATE AFFINITY, LLC 1 6.55% $8,083
    HOMESTEAD FUNDING CORP. 1 5.88% $5,249
    HONDA Federal Credit Union 1 6.63% $3,007
    INTERCOASTAL MORTGAGE COMPANY 1 6.38% $4,220
    Jersey Shore State Bank 1 6.00% $4,320
    CMG MORTGAGE, INC. 1 6.63% $6,160
    Kish Bank 1 5.75% $8,480
    WEST PENN FINANCIAL SERVICE CENTER, INC. 1 6.63% $4,085
    MOVEMENT MORTGAGE, LLC 1 6.63% $4,420
    M&T Bank 1 6.88% $4,868
    Northeast Equitable Mortgage, LLC 1 6.63% $6,507
    Northwest Bank 1 7.63% $3,272
    Orrstown Bank 1 6.88% $3,405
    Paramount Residential Mortgage Group, Inc. 1 6.88% $6,993
    Citizens Bank 1 6.38% $3,678
    PENNYMAC LOAN SERVICES, LLC 1 7.25% $4,961
    Premium Mortgage Corporation 1 6.99% $4,535
    BETTER MORTGAGE CORPORATION 1 5.88% $8,184

    JOHNSTOWN Average Closing Costs & Other Stats

    JOHNSTOWN, PA's 72 lenders originated 2,034 loans during 2024. The total origination value was $222,320,000, with an average loan value of $109,302.

    JOHNSTOWN's average closing costs are $4,606.

    The top JOHNSTOWN lender as defined by loan originations is First Commonwealth Bank, with 70 loans originated. Their average total fees are $4,657, which is $885 lower than the next largest lender, PRIMELENDING, A PLAINSCAPITAL COMPANY.

    The lowest fee JOHNSTOWN lenders (with over 10 loans originated) are 1st Summit Bank ($2,517), S&T Bank ($3,322), SOMERSET TRUST COMPANY ($3,834), Wells Fargo Bank ($4,064) and First National Bank of Pennsylvania ($4,134).

    The lowest rate JOHNSTOWN lenders (with over 10 loans originated) are SOMERSET TRUST COMPANY (6.31%), Wells Fargo Bank (6.58%), PRIMELENDING, A PLAINSCAPITAL COMPANY (6.64%), First Commonwealth Bank (6.65%) and S&T Bank (6.66%).

    JOHNSTOWN, PA Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    First Commonwealth Bank $23,060,000 $25,195,000 9.3% 11.3%
    First National Bank of Pennsylvania $16,780,000 $24,615,000 46.7% 11.1%
    1st Summit Bank $24,175,000 $14,965,000 -38.1% 6.7%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $12,605,000 $14,955,000 18.6% 6.7%
    QUICKEN LOANS, LLC $9,975,000 $13,165,000 32.0% 5.9%
    AmeriServ Financial Bank $8,865,000 $11,530,000 30.1% 5.2%
    PennCrest Bank $8,325,000 $10,960,000 31.7% 4.9%
    S&T Bank $6,755,000 $9,730,000 44.0% 4.4%
    SOMERSET TRUST COMPANY $5,435,000 $8,065,000 48.4% 3.6%
    Flagstar Bank, FSB $8,020,000 $7,765,000 -3.2% 3.5%
    Mortgage Research Center, LLC $5,050,000 $5,230,000 3.6% 2.4%
    Slovenian Savings & Loan Association of Franklin-Conemaugh $5,510,000 $4,615,000 -16.2% 2.1%
    PENNSYLVANIA STATE EMPLOYEES Credit Union $5,580,000 $4,000,000 -28.3% 1.8%
    CNB Bank $2,475,000 $3,990,000 61.2% 1.8%
    Reliance Savings Bank $2,595,000 $3,005,000 15.8% 1.4%
    UNITED WHOLESALE MORTGAGE, LLC $1,330,000 $3,005,000 125.9% 1.4%
    InFirst Bank $3,965,000 $2,410,000 -39.2% 1.1%
    Customers Bank $2,155,000 n/a 1.0%
    Kish Bank $15,000 $2,135,000 14,133.3% 1.0%
    NAVY FEDERAL CREDIT UNION $1,020,000 $2,115,000 107.4% 1.0%
    Northwest Bank $2,605,000 $1,650,000 -36.7% 0.7%
    CROSSCOUNTRY MORTGAGE, LLC $840,000 $1,590,000 89.3% 0.7%
    LOANDEPOT.COM, LLC $965,000 $1,555,000 61.1% 0.7%
    Jersey Shore State Bank $710,000 $1,540,000 116.9% 0.7%
    NEW DAY FINANCIAL, LLC $875,000 $1,525,000 74.3% 0.7%
    FREEDOM MORTGAGE CORPORATION $600,000 $1,350,000 125.0% 0.6%
    Wells Fargo Bank $1,570,000 $1,195,000 -23.9% 0.5%
    Marion Center Bank $560,000 $1,180,000 110.7% 0.5%
    PNC Bank $3,690,000 $1,130,000 -69.4% 0.5%
    USSCO Federal Credit Union $1,155,000 $1,130,000 -2.2% 0.5%
    RADIUS FINANCIAL GROUP INC. $1,110,000 n/a 0.5%
    Discover Bank $395,000 $1,070,000 170.9% 0.5%
    JPMorgan Chase Bank $475,000 $1,060,000 123.2% 0.5%
    USAA Federal Savings Bank $680,000 $1,000,000 47.1% 0.4%
    UNION HOME MORTGAGE CORP. $970,000 $980,000 1.0% 0.4%
    PLAZA HOME MORTGAGE, INC. $350,000 $970,000 177.1% 0.4%
    The Huntington National Bank $320,000 $955,000 198.4% 0.4%
    MidAtlantic Farm Credit, ACA $135,000 $915,000 577.8% 0.4%
    Citizens Bank $3,325,000 $875,000 -73.7% 0.4%
    BROKER SOLUTIONS, INC. $990,000 $870,000 -12.1% 0.4%
    AFFORDABLE MORTGAGE ADVISORS, LLC. $865,000 $860,000 -0.6% 0.4%
    CFSBANK $820,000 n/a 0.4%
    PENNYMAC LOAN SERVICES, LLC $1,160,000 $805,000 -30.6% 0.4%
    NORWICH COMMERCIAL GROUP, INC. $1,355,000 $795,000 -41.3% 0.4%
    BETTER MORTGAGE CORPORATION $210,000 $755,000 259.5% 0.3%
    U.S. Bank $540,000 $730,000 35.2% 0.3%
    NATIONS RELIABLE LENDING, LLC $170,000 $660,000 288.2% 0.3%
    ROYAL UNITED MORTGAGE LLC $470,000 $615,000 30.9% 0.3%
    First Option Mortgage, LLC $570,000 n/a 0.3%
    Altoona First Savings Bank $195,000 $535,000 174.4% 0.2%
    ZILLOW HOME LOANS, LLC $675,000 $525,000 -22.2% 0.2%
    CMG MORTGAGE, INC. $575,000 $515,000 -10.4% 0.2%
    EQUITY RESOURCES, INC. $1,785,000 $515,000 -71.1% 0.2%
    FIRST COLONY MORTGAGE CORPORATION $505,000 n/a 0.2%
    C-B-W Schools Federal Credit Union $1,405,000 $485,000 -65.5% 0.2%
    Century Mortgage Company DBA Century Lending Company $175,000 $475,000 171.4% 0.2%
    Carrington Mortgage Services, LLC $305,000 $465,000 52.5% 0.2%
    Ally Bank $95,000 $430,000 352.6% 0.2%
    Barrington Bank & Trust Company, N.A. $105,000 $385,000 266.7% 0.2%
    Fulton Bank $155,000 $375,000 141.9% 0.2%
    MILEND, INC. $355,000 n/a 0.2%
    LENDINGHOME FUNDING CORPORATION $200,000 $345,000 72.5% 0.2%
    Dollar Bank, Federal Savings Bank $295,000 $340,000 15.3% 0.2%
    NFM, INC. $315,000 $335,000 6.3% 0.2%
    ARC Federal Credit Union $150,000 $325,000 116.7% 0.1%
    MOVEMENT MORTGAGE, LLC $445,000 $325,000 -27.0% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $265,000 $315,000 18.9% 0.1%
    NEWREZ LLC $190,000 $305,000 60.5% 0.1%
    TOTAL MORTGAGE SERVICES, LLC $75,000 $290,000 286.7% 0.1%
    Coastal Community Bank $55,000 $285,000 418.2% 0.1%
    Mr. Cooper ( Nationstar Mortgage ) $270,000 $280,000 3.7% 0.1%
    GUARANTEED RATE AFFINITY, LLC $265,000 n/a 0.1%
    AmeriHome Mortgage Company, LLC $85,000 $260,000 205.9% 0.1%
    M&T Bank $670,000 $250,000 -62.7% 0.1%
    Prosperity Home Mortgage, LLC $245,000 n/a 0.1%
    UTILITIES EMPLOYEES CREDIT UNION $460,000 $235,000 -48.9% 0.1%
    Figure Lending LLC $100,000 $230,000 130.0% 0.1%
    Truist $75,000 $230,000 206.7% 0.1%
    Community State Bank of Orbisonia $75,000 $215,000 186.7% 0.1%
    PENTAGON FEDERAL CREDIT UNION $135,000 $215,000 59.3% 0.1%
    VILLAGE CAPITAL MORTGAGE $310,000 $215,000 -30.6% 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $210,000 n/a 0.1%
    NATION ONE MORTGAGE CORPORATION $205,000 n/a 0.1%
    Paramount Residential Mortgage Group, Inc. $75,000 $205,000 173.3% 0.1%
    HOMESTEAD FUNDING CORP. $195,000 n/a 0.1%
    JLB CORPORATION $195,000 n/a 0.1%
    DOMINION FINANCIAL SERVICES, LLC $190,000 n/a 0.1%
    INTERCOASTAL MORTGAGE COMPANY $175,000 n/a 0.1%
    STOCKTON MORTGAGE CORPORATION $55,000 $175,000 218.2% 0.1%
    Equity Prime Mortgage LLC $135,000 $170,000 25.9% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $105,000 $170,000 61.9% 0.1%
    Northeast Equitable Mortgage, LLC $165,000 n/a 0.1%
    Union Savings Bank $165,000 n/a 0.1%
    AMERICAN HERITAGE FCU $35,000 $155,000 342.9% 0.1%
    Integrity Home Mortgage Corp $150,000 n/a 0.1%
    Elderton State Bank $390,000 $145,000 -62.8% 0.1%
    RELIANCE FIRST CAPITAL, LLC $220,000 $145,000 -34.1% 0.1%
    Victorian Finance, LLC $145,000 n/a 0.1%
    INVESTMENT SAVINGS BANK $735,000 $135,000 -81.6% 0.1%
    FINANCE OF AMERICA REVERSE LLC $130,000 $130,000 0.0% 0.1%
    BAY EQUITY LLC $125,000 n/a 0.1%
    FIRST OHIO HOME FINANCE, INC. $125,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $125,000 n/a 0.1%
    Premium Mortgage Corporation $125,000 n/a 0.1%
    FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION $295,000 $115,000 -61.0% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $300,000 $115,000 -61.7% 0.1%
    Towne Bank $115,000 n/a 0.1%
    EMM LOANS LLC $105,000 n/a 0.0%
    FIRST HOME MORTGAGE CORPORATION $105,000 n/a 0.0%
    LOANPAL, LLC $130,000 $105,000 -19.2% 0.0%
    Magnolia Bank $105,000 n/a 0.0%
    Bank of America $175,000 $95,000 -45.7% 0.0%
    DEEPHAVEN MORTGAGE LLC $95,000 n/a 0.0%
    Tyndall Federal Credit Union $95,000 n/a 0.0%
    T2 FINANCIAL LLC $85,000 n/a 0.0%
    WEST PENN FINANCIAL SERVICE CENTER, INC. $250,000 $85,000 -66.0% 0.0%
    AMERICAN FINANCING CORPORATION $115,000 $75,000 -34.8% 0.0%
    AMERISAVE MORTGAGE CORPORATION $295,000 $75,000 -74.6% 0.0%
    Blair County FCU $125,000 $75,000 -40.0% 0.0%
    The Loan Store, Inc. $75,000 n/a 0.0%
    PLANET HOME LENDING, LLC $65,000 n/a 0.0%
    Third Federal Savings and Loan Association of Cleveland $15,000 $60,000 300.0% 0.0%
    HONDA Federal Credit Union $55,000 n/a 0.0%
    MEMBER FIRST MORTGAGE, LLC $55,000 n/a 0.0%
    Wayne Savings Community Bank $55,000 n/a 0.0%
    First Hope Bank, A National Banking Association $45,000 n/a 0.0%
    Orrstown Bank $155,000 $45,000 -71.0% 0.0%
    TD Bank $345,000 $45,000 -87.0% 0.0%
    TOP FLITE FINANCIAL, INC. $65,000 $45,000 -30.8% 0.0%
    BELCO COMMUNITY CREDIT UNION $25,000 $25,000 0.0% 0.0%
    Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%
    MEMBERS 1ST FEDERAL CREDIT UNION $90,000 $25,000 -72.2% 0.0%
    Presidential Bank, FSB $25,000 n/a 0.0%

    JOHNSTOWN's top lender by overall market share is First Commonwealth Bank, with 11.3% market share. In second place, with 11.1%, is First National Bank of Pennsylvania, having originated $24,615,000 in loans. In third place, with 6.7%, is 1st Summit Bank, having originated $14,965,000 in loans. In fourth place, with 6.7%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $14,955,000 in loans. In fifth place, with 5.9%, is QUICKEN LOANS, LLC, having originated $13,165,000 in loans.

    JOHNSTOWN Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - JOHNSTOWN (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $74,650 (6.8%) $101,094 (-3.0%) 0.28 461
    2018-02-01 $69,550 (7.0%) $95,688 (-5.6%) 0.25 444
    2018-03-01 $69,900 (0.0%) $95,264 (-10.0%) 0.24 442
    2018-04-01 $72,900 (1.4%) $100,039 (-5.4%) 0.25 459
    2018-05-01 $74,900 (-0.1%) $104,666 (-4.3%) 0.25 488
    2018-06-01 $79,900 (6.7%) $109,777 (0.0%) 0.27 520
    2018-07-01 $79,900 (10.2%) $109,116 (1.4%) 0.27 546
    2018-08-01 $79,300 (5.9%) $107,661 (-0.4%) 0.26 552
    2018-09-01 $79,000 (9.7%) $109,132 (1.2%) 0.26 539
    2018-10-01 $77,300 (3.2%) $109,232 (2.0%) 0.26 530
    2018-11-01 $74,975 (0.1%) $107,841 (0.7%) 0.25 499
    2018-12-01 $72,000 (2.9%) $105,879 (3.7%) 0.25 456
    2019-01-01 $71,000 (-4.9%) $108,740 (7.6%) 0.26 415
    2019-02-01 $69,925 (0.5%) $108,129 (13.0%) 0.24 404
    2019-03-01 $75,836 (8.5%) $114,418 (20.1%) 0.25 419
    2019-04-01 $84,125 (15.4%) $123,258 (23.2%) 0.27 435
    2019-05-01 $81,625 (9.0%) $121,289 (15.9%) 0.26 426
    2019-06-01 $89,000 (11.4%) $119,470 (8.8%) 0.28 459
    2019-07-01 $87,425 (9.4%) $116,502 (6.8%) 0.28 510
    2019-08-01 $83,941 (5.9%) $115,035 (6.9%) 0.27 522
    2019-09-01 $82,427 (4.3%) $114,113 (4.6%) 0.27 525
    2019-10-01 $82,243 (6.4%) $114,972 (5.3%) 0.27 517
    2019-11-01 $79,900 (6.6%) $111,427 (3.3%) 0.26 487
    2019-12-01 $79,900 (11.0%) $110,395 (4.3%) 0.27 446
    2020-01-01 $79,900 (12.5%) $110,455 (1.6%) 0.27 410
    2020-02-01 $74,900 (7.1%) $99,667 (-7.8%) 0.24 376
    2020-03-01 $77,100 (1.7%) $105,173 (-8.1%) 0.24 383
    2020-04-01 $77,875 (-7.4%) $106,157 (-13.9%) 0.24 346
    2020-05-01 $79,900 (-2.1%) $110,528 (-8.9%) 0.24 320
    2020-06-01 $82,450 (-7.4%) $115,686 (-3.2%) 0.23 308
    2020-07-01 $80,000 (-8.5%) $114,733 (-1.5%) 0.23 308
    2020-08-01 $87,500 (4.2%) $118,641 (3.1%) 0.25 303
    2020-09-01 $82,750 (0.4%) $116,711 (2.3%) 0.25 267
    2020-10-01 $75,900 (-7.7%) $108,548 (-5.6%) 0.22 256
    2020-11-01 $79,650 (-0.3%) $110,723 (-0.6%) 0.23 235
    2020-12-01 $80,425 (0.7%) $111,679 (1.2%) 0.23 211
    2021-01-01 $79,900 (0.0%) $108,863 (-1.4%) 0.25 181
    2021-02-01 $80,925 (8.0%) $110,728 (11.1%) 0.24 151
    2021-03-01 $74,950 (-2.8%) $107,289 (2.0%) 0.21 139
    2021-04-01 $74,975 (-3.7%) $103,525 (-2.5%) 0.20 128
    2021-05-01 $84,900 (6.3%) $128,437 (16.2%) 0.23 145
    2021-06-01 $96,950 (17.6%) $150,839 (30.4%) 0.25 165
    2021-07-01 $105,900 (32.4%) $151,546 (32.1%) 0.28 193
    2021-08-01 $92,350 (5.5%) $138,545 (16.8%) 0.24 202
    2021-09-01 $100,000 (20.9%) $138,076 (18.3%) 0.28 198
    2021-10-01 $99,900 (31.6%) $135,957 (25.3%) 0.26 212
    2021-11-01 $93,675 (17.6%) $137,176 (23.9%) 0.25 180
    2021-12-01 $94,700 (17.8%) $134,680 (20.6%) 0.25 164
    2022-01-01 $89,900 (12.5%) $132,584 (21.8%) 0.24 142
    2022-02-01 $81,975 (1.3%) $128,550 (16.1%) 0.20 127
    2022-03-01 $82,500 (10.1%) $134,720 (25.6%) 0.20 121
    2022-04-01 $85,000 (13.4%) $127,115 (22.8%) 0.20 129
    2022-05-01 $92,450 (8.9%) $138,675 (8.0%) 0.21 139
    2022-06-01 $92,325 (-4.8%) $136,970 (-9.2%) 0.20 159
    2022-07-01 $109,450 (3.4%) $146,722 (-3.2%) 0.23 190
    2022-08-01 $110,450 (19.6%) $143,920 (3.9%) 0.26 213
    2022-09-01 $118,500 (18.5%) $143,127 (3.7%) 0.00 188
    2022-10-01 $109,950 (10.1%) $138,213 (1.7%) 0.00 181
    2022-11-01 $113,675 (21.4%) $139,000 (1.3%) 0.00 178
    2022-12-01 $94,950 (0.3%) $127,872 (-5.1%) 0.00 165
    2023-01-01 $87,400 (-2.8%) $122,001 (-8.0%) 0.00 154
    2023-02-01 $91,950 (12.2%) $128,745 (0.2%) 0.00 142
    2023-03-01 $98,475 (19.4%) $130,145 (-3.4%) 0.00 136
    2023-04-01 $98,500 (15.9%) $136,155 (7.1%) 0.00 125
    2023-05-01 $85,500 (-7.5%) $127,363 (-8.2%) 0.00 149
    2023-06-01 $94,200 (2.0%) $132,014 (-3.6%) 0.00 196
    2023-07-01 $95,000 (-13.2%) $134,281 (-8.5%) 0.00 201
    2023-08-01 $109,950 (-0.5%) $147,687 (2.6%) 0.00 209
    2023-09-01 $109,000 (-8.0%) $146,496 (2.4%) 0.00 204
    2023-10-01 $103,750 (-5.6%) $141,175 (2.1%) 0.00 213
    2023-11-01 $97,400 (-14.3%) $139,562 (0.4%) 0.00 208
    2023-12-01 $99,900 (5.2%) $141,488 (10.7%) 0.00 196
    2024-01-01 $97,450 (11.5%) $145,684 (19.4%) 0.00 181
    2024-02-01 $99,650 (8.4%) $143,686 (11.6%) 0.00 163
    2024-03-01 $109,450 (11.1%) $142,911 (9.8%) 0.00 164
    2024-04-01 $111,450 (13.2%) $147,564 (8.4%) 0.00 163
    2024-05-01 $119,925 (40.3%) $154,319 (21.2%) 0.00 171
    2024-06-01 $134,900 (43.2%) $165,679 (25.5%) 0.00 166
    2024-07-01 $139,900 (47.3%) $169,963 (26.6%) 0.00 168
    2024-08-01 $134,950 (22.7%) $169,332 (14.7%) 0.00 194
    2024-09-01 $134,900 (23.8%) $164,381 (12.2%) 0.00 201
    2024-10-01 $122,475 (18.1%) $158,271 (12.1%) 0.00 206
    2024-11-01 $125,000 (28.3%) $163,585 (17.2%) 0.00 195
    2024-12-01 $117,450 (17.6%) $157,444 (11.3%) 0.00 186
    2025-01-01 $119,450 (22.6%) $157,892 (8.4%) 0.00 176
    2025-02-01 $125,000 (25.4%) $163,434 (13.7%) 0.00 153
    2025-03-01 $117,450 (7.3%) $155,156 (8.6%) 0.00 147
    JOHNSTOWN's median listing price for 2025-03-01 was $117,450, a difference of $8,000 (7.3%) versus the prior year and $-7,550 versus the prior month.

    JOHNSTOWN's median listing price comes in at 0% of the national average.

    JOHNSTOWN's average listing price for 2025-03-01 was $155,156, a difference of $12,245 (8.6%) versus the prior year and $-8,278 versus the prior month.

    For the 2025-03-01 period, JOHNSTOWN had 147 MLS listings, a difference of -6 listings (-4%) versus the prior month and -17 listings (-10%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - JOHNSTOWN (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 141 days 1,519 sqft
    2018-02-01 145 days 1,484 sqft
    2018-03-01 144 days 1,495 sqft
    2018-04-01 125 days 1,543 sqft
    2018-05-01 85 days 1,557 sqft
    2018-06-01 74 days 1,560 sqft
    2018-07-01 80 days 1,558 sqft
    2018-08-01 84 days 1,543 sqft
    2018-09-01 94 days 1,558 sqft
    2018-10-01 98 days 1,560 sqft
    2018-11-01 107 days 1,532 sqft
    2018-12-01 120 days 1,532 sqft
    2019-01-01 128 days 1,550 sqft
    2019-02-01 133 days 1,536 sqft
    2019-03-01 135 days 1,570 sqft
    2019-04-01 93 days 1,619 sqft
    2019-05-01 76 days 1,631 sqft
    2019-06-01 75 days 1,616 sqft
    2019-07-01 76 days 1,598 sqft
    2019-08-01 80 days 1,572 sqft
    2019-09-01 89 days 1,564 sqft
    2019-10-01 93 days 1,567 sqft
    2019-11-01 93 days 1,600 sqft
    2019-12-01 102 days 1,600 sqft
    2020-01-01 115 days 1,566 sqft
    2020-02-01 126 days 1,497 sqft
    2020-03-01 127 days 1,487 sqft
    2020-04-01 136 days 1,462 sqft
    2020-05-01 144 days 1,500 sqft
    2020-06-01 117 days 1,561 sqft
    2020-07-01 73 days 1,466 sqft
    2020-08-01 72 days 1,538 sqft
    2020-09-01 83 days 1,471 sqft
    2020-10-01 77 days 1,456 sqft
    2020-11-01 83 days 1,455 sqft
    2020-12-01 100 days 1,484 sqft
    2021-01-01 109 days 1,456 sqft
    2021-02-01 110 days 1,461 sqft
    2021-03-01 108 days 1,312 sqft
    2021-04-01 78 days 1,344 sqft
    2021-05-01 41 days 1,402 sqft
    2021-06-01 40 days 1,557 sqft
    2021-07-01 45 days 1,546 sqft
    2021-08-01 47 days 1,500 sqft
    2021-09-01 52 days 1,493 sqft
    2021-10-01 57 days 1,478 sqft
    2021-11-01 62 days 1,465 sqft
    2021-12-01 71 days 1,485 sqft
    2022-01-01 87 days 1,516 sqft
    2022-02-01 89 days 1,477 sqft
    2022-03-01 62 days 1,500 sqft
    2022-04-01 45 days 1,503 sqft
    2022-05-01 50 days 1,534 sqft
    2022-06-01 39 days 1,468 sqft
    2022-07-01 40 days 1,543 sqft
    2022-08-01 45 days 1,489 sqft
    2022-09-01 0 days 1,530 sqft
    2022-10-01 0 days 1,511 sqft
    2022-11-01 0 days 1,591 sqft
    2022-12-01 0 days 1,572 sqft
    2023-01-01 0 days 1,460 sqft
    2023-02-01 0 days 1,531 sqft
    2023-03-01 0 days 1,510 sqft
    2023-04-01 0 days 1,585 sqft
    2023-05-01 0 days 1,478 sqft
    2023-06-01 0 days 1,520 sqft
    2023-07-01 0 days 1,556 sqft
    2023-08-01 0 days 1,584 sqft
    2023-09-01 0 days 1,544 sqft
    2023-10-01 0 days 1,501 sqft
    2023-11-01 0 days 1,450 sqft
    2023-12-01 0 days 1,428 sqft
    2024-01-01 0 days 1,405 sqft
    2024-02-01 0 days 1,416 sqft
    2024-03-01 0 days 1,416 sqft
    2024-04-01 0 days 1,470 sqft
    2024-05-01 0 days 1,472 sqft
    2024-06-01 0 days 1,575 sqft
    2024-07-01 0 days 1,600 sqft
    2024-08-01 0 days 1,545 sqft
    2024-09-01 0 days 1,519 sqft
    2024-10-01 0 days 1,466 sqft
    2024-11-01 0 days 1,536 sqft
    2024-12-01 0 days 1,448 sqft
    2025-01-01 0 days 1,516 sqft
    2025-02-01 0 days 1,494 sqft
    2025-03-01 0 days 1,428 sqft
    JOHNSTOWN's median listing age (time on market) for 2025-03-01 was 0 days.

    JOHNSTOWN's median square footage for active listings during the 2025-03-01 period was 1,428 sqft. One year prior, the average listing was 1,416 sqft.

    JOHNSTOWN, PA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 994 $140,640,000 $141,489
    Home Improvement 371 $21,005,000 $56,617
    Refi 324 $32,910,000 $101,574
    Other 233 $12,545,000 $53,841
    Cash Out Refi 112 $15,220,000 $135,893

    Johnstown's most frequently cited loan purpose was Home Purchase, with 994 originations. The 2nd most popular reason was Home Improvement, with 371 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 747 $92,825,000 $124,264
    7-8% 441 $47,035,000 $106,655
    5-6% 263 $32,985,000 $125,418
    Over 8% 156 $9,540,000 $61,154
    <2.5% 33 $195,000 $5,909
    4-5% 29 $3,065,000 $105,690
    3-4% 25 $2,005,000 $80,200

    During 2024, Johnstown's most frequently originated rate bucket was 6-7%, with 747 originations.

    Loan Sizing (JOHNSTOWN, PA MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 1,187 $60,405,000 $50,889
    $100k-200k 596 $82,370,000 $138,205
    $200k-400k 204 $53,690,000 $263,186
    $400k-600k 38 $17,640,000 $464,211
    $600k-1000k 7 $5,025,000 $717,857
    $Over $1MM 2 $3,190,000 $1,595,000

    JOHNSTOWN's loan sizing saw the bucket of loans from $100,000 or less with 1,187 originations, totaling $60,405,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 679 $102,635,000 $151,156
    60-80% 311 $39,095,000 $125,707
    20-40% 274 $15,290,000 $55,803
    Under 20% 214 $5,980,000 $27,944
    40-60% 185 $18,905,000 $102,189
    Over 100% 20 $4,110,000 $205,500

    JOHNSTOWN's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 679 originations, totaling $102,635,000 in origination value.