The typical owner-occupied home in Cambria County is worth about $121,000, 52% below the Pennsylvania median of $254,500 and 64% below the national median of $332,700. Owners pay a median $1,492 a year in property taxes, about 1.23% of their home's value, lower than the Pennsylvania rate of 1.30%. The median household earns $58,418 a year, so the median home costs 2.1 times the median income (3.3 times for Pennsylvania). 76% of occupied homes here are lived in by their owners, and 45% of those owners still have a mortgage.
Cambria County at a glance
| Cambria County | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $121,000 | $254,500 | $332,700 |
| Median property tax paid per year | $1,492 | $3,311 | $3,119 |
| Property tax as a share of value | 1.23% | 1.30% | 0.94% |
| Median household income | $58,418 | $77,971 | $80,734 |
| Homes lived in by their owners | 76% | 69% | 65% |
| Owner homes with a mortgage | 45% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,199 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 16.7% | 19.4% | 21.0% |
| Median rent | $739 | $1,209 | $1,413 |
| Rent as a share of renters' income | 27.5% | 29.2% | 30.6% |
| Median year homes were built | 1956 | 1965 | 1980 |
| Vacant homes | 13.2% | 9.2% | 10.1% |
| Population | 131,538 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Cambria County
At this week's average 30-year rate of 7.11%, buying the median Cambria County home of $121,000 with 20% down costs about $826 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,027, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $35,384 for the 20%-down payment. That payment is 17% of the median Cambria County household income of $58,418; at that income and 20% down, the 28% guideline points to a home of about $200,000.
The median rent here is $739 a month, so owning the median home costs about $87 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $24,200 |
|---|---|
| Loan amount | $96,800 |
| Principal and interest | $651 |
| Property taxes (1.23% a year) | $124 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| PMI | $0 |
| Total per month | $826 |
Change the numbers in the calculator
| Down payment | $4,235 |
|---|---|
| Loan amount | $118,808 |
| Principal and interest | $799 |
| Property taxes (1.23% a year) | $124 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| FHA mortgage insurance | $54 |
| Total per month | $1,027 |
Change the numbers in the calculator
Questions about home buying in Cambria County
What is the median home value in Cambria County?
About $121,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Cambria County?
Homeowners pay a median $1,492 a year, which is about 1.23% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Cambria County?
For the median home with 20% down at 7.11%, the payment is about $826 a month. Keeping that under 28% of gross income takes about $35,384 a year.
More about Cambria County
- Mortgage Refinance in Cambria County
- Debt Relief in Cambria County
- Home Equity Loans in Cambria County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data