Johnstown, Colorado.
Typical home $499,305 (-3.0% in a year), asking rent $1,993 (+2.4%). Greeley, CO metro.
to buy the typical home at today's mortgage rate — +$1,166 (+80%) since Jan 2020.
- 1 year
- Down $15,372 -3%
- $514,677$499,305 since Sep 2025
- 5 years
- Up $13,568 +3%
- $485,737$499,305 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Johnstown$2,621
- Colorado$2,777
- United States$1,922
Typical home values in Johnstown, CO fell 3.0% over the past year — slower than the nation's +1.2%.
Asking rents in Johnstown, CO rose 2.4% over the past year — slower than the nation's +2.7%.
Owning the typical home in Johnstown runs $1,378/mo more than renting one. The gap peaked at $1,752 in Oct 2023.
That is $3,371 a month against $1,993 rent: a $2,621 mortgage payment, plus $215 property tax and $535 insurance & upkeep.
Owning vs renting — Johnstown
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,371
- Renting$1,993
- Mortgage only$2,621
Property tax · $215/mo 0.52% of value a year — the ACS 2020-2024 median bill over the median home value for Weld County, CO
Insurance & upkeep · $535/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Johnstown, Weld County, Colorado
Johnstown is a town of 17,303 people in Weld County. Half its households earn more than $128,995 a year and half less, against $97,097 across Weld County; 4% of its people live below the poverty line. 78% of its homes are lived in by their owners and 22% are rented. Unemployment in Weld County was 5.0% in August 2026, and the county had 3.9% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Johnstown is a growing town in Weld County, in northern Colorado. Residents are younger than in much of the country, and household incomes run well above the county's. Most homes are lived in by their owners, and relatively few people live below the poverty line. Winters are cold and snowy, with a December that stays well below freezing at night, while July brings hot afternoons; precipitation overall is light for a place with this much snow.
Work. Many residents work in schools, hospitals and social care, in professional and business services, in shops, and in the building trades. Among the largest workplaces in Johnstown are Blackeagle Energy Services, a pipeline construction company, Canyon BKY, a commercial bakery, and FedEx. The typical commute is a fairly long one, and more people work from home than in many places, while the number of jobs across Weld County has been growing.
Things to do. Several rivers lie a short drive away, including St. Vrain Creek, the Big Thompson River and the Little Thompson River, for time spent along the water. A longer drive brings you to Horsetooth Reservoir, and to St. Vrain State Park, a protected area. Folsom Field, a stadium, is also a longer drive away.
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- 7,014households
- 38%of adults have a degree
- 4%below the poverty line
- 30 mintypical commute
- 17%work from home
What residents work in
Employed residents by industry, from the Census survey. Weld County had 123,486 jobs in 2025, 3.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 44° and lows near 13°; warmest in July, with highs near 89° and lows near 55°. About 47 inches of snow and 16 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Loveland 2N weather station, 13 miles away (NOAA).
Largest workplaces in Johnstown
- Blackeagle Energy ServicesOil & gas pipeline and related structures construction244
- Canyon BKYCommercial bakery215
- FedExCourier and express delivery services207
- High Country BeverageBeverages, alcoholic, merchant wholesalers177
- Northern Colorado Rehabilitation HOSRehabilitation hospital145FTE
- Dunrite ExcavationExcavation contractors113
- Young Men's Christian Association of Northern ColoradoPhysical fitness facilities97
- Sun MountainManufacturing of doors95
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 22 workplaces with 20 or more staff, 2,052 people in all. Hospitals come from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HailRelatively high
- Winter weatherRelatively high
- Cold wavesRelatively high
- LightningRelatively high
- Strong windRelatively moderate
- Tornadoesrelatively high in parts of JohnstownRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Johnstown’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Weld County and the Greeley, CO metro.
Johnstown home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Johnstown$499,305
- Colorado$529,013
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Johnstown listings, and the typical home goes pending in 46 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Johnstown35.79%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
Not enough data to draw this yet.
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Johnstown143
New listings per month
Sellers arriving at the market.
- Johnstown37
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Johnstown$499,700
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Johnstown99.94%
Zip codes with a Johnstown address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Johnstown — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.