Johnson City, TN home prices
Typical home $279,665 · +1.4% in a year · income needed $75,700
The Johnson City, TN metro area ranks 366 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.4% in a year and +31.1% over five years. With 20% down at 7.11%, the typical home costs about $1,767 a month including 0.52% property tax (Washington County rate).
Mortgage on the typical Johnson City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $55,933 | $223,732 | $1,505 | $0 | $262 | $1,767 | $75,700 |
| 10% down | $27,966 | $251,698 | $1,693 | $105 | $262 | $2,060 | $88,300 |
| 5% down | $13,983 | $265,681 | $1,787 | $111 | $262 | $2,160 | $92,600 |
| 3.5% down (FHA) | $9,788 | $274,599 | $1,847 | $124 | $262 | $2,233 | $95,700 |
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.
Counties in the Johnson City area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Washington County, TN | $305,353 | +1.9% | 0.52% |
| Carter County, TN | $238,959 | -0.3% | 0.51% |
| Unicoi County, TN | $242,109 | +2.7% | 0.52% |
What can you afford in Tennessee on your salary? · Tennessee home prices · Salaries in Tennessee
Frequently asked questions
How much is a house in Johnson City?
The typical home in the Johnson City, TN metro area is worth $279,665 (Zillow, September 2026).
What salary do you need to buy a house in Johnson City?
About $75,700 a year for the typical home with 20% down at 7.11%.