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Johnson City

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 June 25, 2022
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Data provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. 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

June 25, 2022

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
%
5.780%
15 Year Fixed Rate
%
4.810%
5/1 Adjustable Rate Mortgage
%
4.330%

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 $215,460

Based on current mortgage rates and a 10% down payment, you need to make $35,302 per year to buy the median priced home in Johnson City

With this income, you could qualify for a $193,914 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 $818

The median household income for Johnson City, TN (Washington County) is $55,587

Based on this income, you can afford a home valued at approximately $339,264

The home price you can afford to buy based on household income in Johnson City is 157% of the median home value which means housing prices are average. Johnson City (Washington County) ranks 76 out of 95 counties in Tennessee and 2,493 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

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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: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Johnson City, TN

1 unit: $420,680
2 units: $538,650
3 units: $651,050
4 units: $809,150

VA loan limits for Johnson City, TN

1 unit: $647,200

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