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.
August 12, 2025
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
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
FHA loan limits for Johnson City, TN