| Index | Johnstown | Colorado | National |
| Cost of living | 131 | 115 | 100 |
| Groceries | 107 | 104 | 100 |
| Health care | 108 | 107 | 100 |
| Housing | 185 | 136 | 100 |
| Transportation | 107 | 106 | 100 |
| Utilities | 109 | 108 | 100 |
| Lifestyle & Entertainment | 105 | 107 | 100 |
| Household Items | 107 | 105 | 100 |
| Education & Childcare | 111 | 111 | 100 |
Knowing the cost of living in Johnstown allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Johnstown stands at 131, marking it 31% higher than the national average.
If you prioritize affordability when seeking a new place to live, Johnstown may not be your ideal choice, as it ranks among the most expensive locations in the entire United States. A very small amount of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Johnstown falls into this category, which may not align with your preferences for a budget-friendly living environment.
Housing costs significantly influence the Johnstown cost of living index, typically accounting for a substantial portion of one's post-tax income. Regrettably, within this particular region, expenses related to both residential ownership and renting exceeded those observed in an average city by 84.7%. This entails elements such as housing and rental prices, mortgage interest rates and insurance costs.
Is Johnstown an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Johnstown is 96.9% higher than the national average, while the average monthly rent prices are 56.2% higher than average. The affordability of any location can also be influenced by median income levels. Johnstown has a median household income of $170,089, which is 109.1% higher than the national average.
Taxes: Cities that enforce higher taxes, covering both sales taxes and income taxes, can be a factor contributing to a higher cost of living. Paying more in taxes for everyday essentials like clothing and food inevitably leads to higher expenses. A higher income tax rate can further contribute to an overall elevated cost of living. In Johnstown, the baseline sales tax rate begins at 2.9%, and income tax rates start at 4.4%.
Subsidies: Certain cities or states may institute government subsidies or assistance programs designed to alleviate the financial burdens associated with the cost of living for their residents. These programs encompass a variety of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Areas that provide fewer subsidies may see an uptick in their overall cost of living.
Healthcare: Healthcare expenditures and insurance premium rates can vary significantly, contingent upon the particular city or state. Factors such as the accessibility of healthcare facilities, out-of-pocket expenses for doctor's appointments, dental care charges, prescription medication costs, and expenses related to specialized medical care can all have an impact on the overall cost of living. In Johnstown, healthcare costs are 8.1% higher than the national average.
The cost of living estimates displayed for Johnstown are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across cities.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $177,868 | $14,822 | $4,150 | $5,337 |
| Renters | $0 | $0 | $0 | $0 |
| State | General Sales Tax | With Max Surtax |
| Colorado | 2.9% | 10% |
| State | Income Tax (Low) | Income Tax (High) |
| Colorado | 4.4% | 4.4% |
| City | Population | Cost of Living Index | National Avg. |
| Garden City, CO | 214 | 99 | 0.9% |
| Gilcrest, CO | 1,415 | 112 | 12.4% |
| La Salle, CO | 3,448 | 115 | 14.7% |
| Evans, CO | 22,678 | 115 | 15.2% |
| Greeley, CO | 110,935 | 117 | 16.9% |
| Johnstown, CO | 14,655 | 131 | 30.7% |
| City | Population | Cost of Living Index | National Avg. |
| Hawaiian Gardens, CA | 14,656 | 142 | 42.3% |
| Olympia Heights, FL | 14,656 | 130 | 30.3% |
| West Freehold, NJ | 14,657 | 142 | 41.8% |
| Johnson City, NY | 14,660 | 95 | 4.9% |
| Lindenhurst, IL | 14,637 | 109 | 9.3% |
| Johnstown, CO | 14,655 | 131 | 30.7% |
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