15909 Property Tax Rate
Johnstown, Pennsylvania · Part of Cambria County
Effective Tax Rate
1.25%
52.9% below state avgMedian Annual Tax
$1,320
$110/mo escrow
Estimate Your Tax
Annual Tax
$1,320
Monthly
$110
Eff. Rate
1.25%
Buyer decision brief
What ZIP 15909 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$110/mo
Based on median annual tax paid
State context
0.09 percentage points below the Pennsylvania average
Pennsylvania average: 1.34%
Data confidence
High confidenceThe Census margin of error is $114, about 9% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Cambria County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 15909 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$114 tax MOE, 9% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Cambria County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 15909
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $105,200, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.25%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Pennsylvania and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $110 per month before insurance, HOA dues, or special assessments.
Assessor verification
Cambria County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 15909 Compares
Median Annual Property Tax
ZIP 15909
1.25%
Effective rate
Pennsylvania Avg
1.34%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Pennsylvania
Lower than 53% of ZIP codes in Pennsylvania(47th percentile, 1,638 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 15909
Property owners in ZIP code 15909 (Johnstown, Pennsylvania) pay a median of $1,320/year in property taxes on homes valued at $105,200. This translates to an effective tax rate of 1.25%, which is 7% below the Pennsylvania state average of 1.34%.
The monthly property tax burden for a median-valued home in 15909 is approximately $110, which factors into escrow payments on mortgages. This ZIP code is located within Cambria County. This is $1,484 less than the Pennsylvania average of $2,804/year.
Compared to similar ZIP codes in Pennsylvania, 15909 has higher property taxes. ZIP codes with similar effective rates include 16917 (1.25%) and 16859 (1.25%).
In Johnstown, property taxes represent approximately 2.2% of the median household income of $59,226, providing context for the relative tax burden on homeowners in this area.
Cambria County property taxes lack a state cap and can increase annually — file a Homestead Exclusion with your school district assessor to reduce taxable value by the amount your district sets (typically $15,000–$50,000). Seniors, disabled persons, and eligible widows earning ≤$35,000 can reduce taxes further by filing Pennsylvania's Property Tax/Rent Rebate Program with the PA Department of Revenue by June 30 annually. Contact your school district assessor within 30 days of purchase to file the Homestead Exclusion and learn your district's specific exemption amount and deadline.
Frequently Asked Questions
What is the property tax rate in ZIP code 15909?
How much are property taxes in Johnstown, PA (15909)?
How does ZIP 15909 compare to the Pennsylvania average?
What is the median home value in ZIP 15909?
What county is ZIP code 15909 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$114. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 15909 is part of Cambria County, Pennsylvania. View the full county profile for broader context and more data.
View Cambria County on TaxByCounty →Explore Johnstown, PA
View all 6 ZIP codes in Johnstown with property tax comparisons.
View Johnstown Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 15909
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
15904
Johnstown, PA
0.17 percentage points lower than ZIP 15909.
Rate
1.09%
Tax
$1,876
Quality
101
16675
Saint Boniface, PA
0.53 percentage points lower than ZIP 15909.
Rate
0.72%
Tax
$520
Quality
74
15737
Elmora, PA
0.50 percentage points lower than ZIP 15909.
Rate
0.75%
Tax
$562
Quality
81
15942
Mineral Point, PA
0.43 percentage points lower than ZIP 15909.
Rate
0.82%
Tax
$1,528
Quality
84
15940
Loretto, PA
0.40 percentage points lower than ZIP 15909.
Rate
0.85%
Tax
$2,011
Quality
89
15762
Nicktown, PA
0.36 percentage points lower than ZIP 15909.
Rate
0.90%
Tax
$1,881
Quality
84
15960
Twin Rocks, PA
0.35 percentage points lower than ZIP 15909.
Rate
0.90%
Tax
$700
Quality
78
15962
Wilmore, PA
0.34 percentage points lower than ZIP 15909.
Rate
0.92%
Tax
$967
Quality
84
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.