Unicoi County, Tennessee home prices
Typical home $242,109 · +2.7% in a year · property tax 0.52%
The typical home in Unicoi County is worth $242,109, 27% less than the Tennessee typical home ($330,844). Values changed +2.7% in the past year and +30.3% over five years. Homeowners here pay a median 0.52% of their home's value in property tax each year ($1,269 on the typical home), versus 0.46% statewide.
Mortgage on the typical Unicoi County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,422 | $193,687 | $1,303 | $0 | $227 | $1,530 | $65,600 |
| 10% down | $24,211 | $217,898 | $1,466 | $91 | $227 | $1,783 | $76,400 |
| 5% down | $12,105 | $230,003 | $1,547 | $96 | $227 | $1,870 | $80,100 |
| 3.5% down (FHA) | $8,474 | $237,723 | $1,599 | $107 | $227 | $1,933 | $82,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.52% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Tennessee · part of the Johnson City metro area.
Tennessee counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Johnson County | $242,344 | +2.7% | 0.4% |
| Cocke County | $241,556 | +4.1% | 0.57% |
| Campbell County | $242,885 | +4.0% | 0.37% |
| Lawrence County | $243,136 | +4.0% | 0.53% |
| Fentress County | $243,554 | +2.8% | 0.32% |
| Lewis County | $243,690 | +2.9% | 0.48% |
| Carter County | $238,959 | -0.3% | 0.51% |
| Bledsoe County | $246,774 | +7.2% | 0.36% |
| Hawkins County | $247,127 | +5.8% | 0.54% |
| Greene County | $247,189 | +2.2% | 0.43% |
Frequently asked questions
What is the average home price in Unicoi County, TN?
The typical home value in Unicoi County is $242,109 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Unicoi County?
About $65,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Unicoi County?
The median effective rate is 0.52% of home value a year (Census ACS 2024 5-year estimates).