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Lender Tables
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Compare Current Johnson City, Tennessee Mortgage Rates
Compare Johnson City, TN mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Johnson City.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Johnson City. Plus, shopping lenders is free and there is no obligation.
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Johnson City, TN Mortgage Rates as of July 14, 2025
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.
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Compare Today's Johnson City, TN Mortgage Rates
July 14, 2025
Current mortgage rates in Johnson City, TN are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Johnson City, TN Rates
National Average
Comparison
30 Year Fixed Rate
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6.670%
15 Year Fixed Rate
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5.960%
5/1 Adjustable Rate Mortgage
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6.250%
How Affordable is Housing in Johnson City, Tennessee?
Below we provide helpful information on the real estate market, home prices and housing affordability in Johnson City. Understand how much you need to earn to afford a home in Johnson City, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Johnson City fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Johnson City is right for you.
The median home value for Johnson City, TN (Washington County) is $272,000
Based on current mortgage rates and a 10% down payment, you need to make $56,744 per year to buy the median priced home in Johnson City
With this income, you could qualify for a $244,800 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Johnson City is $1,314
The median household income for Johnson City, TN (Washington County) is $56,827
Based on this income, you can afford a home valued at approximately $272,399
The home price you can afford to buy based on household income in Johnson City is 100% of the median home value which means housing prices are average.
Johnson City (Washington County) ranks 88 out of 95 counties in Tennessee and 2,803 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Johnson City, TN is average
Loan Limits for Johnson City, Tennessee
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Johnson City (Washington County) below.
Conforming loan limits for Johnson City, TN
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Johnson City, TN
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Johnson City, TN
1 unit:$726,200
Additional Mortgage Resources for Johnson City, TN Residents