Johnson City FHA Loan Rates, Closing Costs & Stats
JOHNSON CITY, TN
FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.
FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.
While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.
For additional requirements as defined by the FHA, click here.
Johnson City's 72 lenders originated 515 FHA loans during 2024. The total origination value was $187,435,000, with an average FHA loan value of $363,951.
Johnson City FHA Loans, 30 Year Fixed Rates
30 Year FHA mortgages in Johnson City
averaged
6.56%
for the week of 2025-04-04, compared to the national average (all FHA variants) of
6.259% for the same period.
Johnson City's average FHA mortgage closing costs are $7,759.
The average rate for the prior week (2025-03-28) was
6.46% and
one month ago for the week of 2025-02-28, the
average rate was 6.84%.
The average rate one year ago was 6.86%.
For refis of the same type during the week of 2025-04-04, the average rate
was 6.24%.
Johnson City FHA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Johnson City level.
The top Johnson City FHA lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with
49 FHA loans originated. Their average total fees are
$9,945, which is $2,263
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Johnson City FHA lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($7,033), ARK-LA-TEX FINANCIAL SERVICES, LLC. ($7,668), PENNYMAC LOAN SERVICES, LLC ($8,869), ALAMEDA MORTGAGE CORPORATION ($9,334) and MOVEMENT MORTGAGE, LLC ($9,945).
The lowest rate Johnson City FHA lenders (with over 10 loans originated) are
PENNYMAC LOAN SERVICES, LLC (6.05%), DHI MORTGAGE COMPANY, LTD. (6.07%), MORTGAGE INVESTORS GROUP, INC. (6.24%), UNITED WHOLESALE MORTGAGE, LLC (6.26%) and Sierra Pacific Mortgage Company, Inc. (6.31%).
Johnson City FHA Loan Limits
Metro | County | Year | Single Family Limit | 2 Family Limit | 3 Family Limit | 4 Family Limit |
---|---|---|---|---|---|---|
JOHNSON CITY, TN | CARTER | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
JOHNSON CITY, TN | UNICOI | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
JOHNSON CITY, TN | WASHINGTON | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
JOHNSON CITY, TN | CARTER | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
JOHNSON CITY, TN | UNICOI | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
JOHNSON CITY, TN | WASHINGTON | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Johnson City (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $202,500 (6.6%) | $276,404 (6.1%) | 0.75 | 775 |
2018-02-01 | $209,900 (10.8%) | $275,206 (4.2%) | 0.76 | 740 |
2018-03-01 | $215,000 (13.5%) | $284,373 (8.4%) | 0.75 | 752 |
2018-04-01 | $219,900 (11.8%) | $292,039 (8.8%) | 0.75 | 748 |
2018-05-01 | $229,900 (15.5%) | $298,884 (10.3%) | 0.77 | 754 |
2018-06-01 | $229,900 (15.6%) | $296,846 (10.6%) | 0.77 | 820 |
2018-07-01 | $222,400 (11.8%) | $292,356 (8.6%) | 0.74 | 841 |
2018-08-01 | $220,675 (10.5%) | $290,214 (8.6%) | 0.74 | 856 |
2018-09-01 | $219,900 (10.0%) | $287,017 (6.7%) | 0.74 | 895 |
2018-10-01 | $216,750 (5.8%) | $279,732 (1.9%) | 0.73 | 896 |
2018-11-01 | $210,000 (4.4%) | $275,707 (3.3%) | 0.71 | 903 |
2018-12-01 | $199,900 (-2.5%) | $267,487 (-2.6%) | 0.69 | 858 |
2019-01-01 | $199,400 (-1.5%) | $267,198 (-3.3%) | 0.69 | 793 |
2019-02-01 | $189,900 (-9.5%) | $264,278 (-4.0%) | 0.64 | 791 |
2019-03-01 | $204,943 (-4.7%) | $283,247 (-0.4%) | 0.67 | 711 |
2019-04-01 | $226,875 (3.2%) | $305,608 (4.7%) | 0.72 | 621 |
2019-05-01 | $237,450 (3.3%) | $316,564 (5.9%) | 0.74 | 637 |
2019-06-01 | $239,900 (4.4%) | $322,950 (8.8%) | 0.75 | 631 |
2019-07-01 | $239,973 (7.9%) | $319,698 (9.4%) | 0.75 | 655 |
2019-08-01 | $239,791 (8.7%) | $316,302 (9.0%) | 0.76 | 666 |
2019-09-01 | $239,627 (9.0%) | $316,604 (10.3%) | 0.77 | 673 |
2019-10-01 | $242,218 (11.8%) | $318,962 (14.0%) | 0.78 | 673 |
2019-11-01 | $239,900 (14.2%) | $320,236 (16.2%) | 0.79 | 643 |
2019-12-01 | $236,450 (18.3%) | $318,248 (19.0%) | 0.79 | 590 |
2020-01-01 | $244,911 (22.8%) | $324,598 (21.5%) | 0.82 | 536 |
2020-02-01 | $249,900 (31.6%) | $332,754 (25.9%) | 0.82 | 494 |
2020-03-01 | $252,450 (23.2%) | $339,704 (19.9%) | 0.79 | 457 |
2020-04-01 | $265,325 (17.0%) | $341,943 (11.9%) | 0.83 | 413 |
2020-05-01 | $279,700 (17.8%) | $352,209 (11.3%) | 0.85 | 384 |
2020-06-01 | $272,350 (13.5%) | $352,046 (9.0%) | 0.80 | 355 |
2020-07-01 | $269,800 (12.4%) | $373,121 (16.7%) | 0.78 | 341 |
2020-08-01 | $286,000 (19.3%) | $400,147 (26.5%) | 0.82 | 327 |
2020-09-01 | $290,250 (21.1%) | $412,495 (30.3%) | 0.83 | 316 |
2020-10-01 | $284,950 (17.6%) | $403,079 (26.4%) | 0.82 | 332 |
2020-11-01 | $277,425 (15.6%) | $411,904 (28.6%) | 0.81 | 295 |
2020-12-01 | $282,425 (19.4%) | $409,371 (28.6%) | 0.84 | 282 |
2021-01-01 | $278,700 (13.8%) | $406,024 (25.1%) | 0.83 | 232 |
2021-02-01 | $277,225 (10.9%) | $427,785 (28.6%) | 0.81 | 175 |
2021-03-01 | $299,900 (18.8%) | $479,849 (41.3%) | 0.85 | 157 |
2021-04-01 | $319,675 (20.5%) | $481,930 (40.9%) | 0.87 | 166 |
2021-05-01 | $324,950 (16.2%) | $476,422 (35.3%) | 0.86 | 177 |
2021-06-01 | $299,900 (10.1%) | $427,434 (21.4%) | 0.79 | 204 |
2021-07-01 | $277,450 (2.8%) | $417,942 (12.0%) | 0.73 | 206 |
2021-08-01 | $304,925 (6.6%) | $460,877 (15.2%) | 0.81 | 250 |
2021-09-01 | $303,675 (4.6%) | $475,199 (15.2%) | 0.81 | 247 |
2021-10-01 | $310,000 (8.8%) | $446,457 (10.8%) | 0.83 | 285 |
2021-11-01 | $310,000 (11.7%) | $469,224 (13.9%) | 0.83 | 236 |
2021-12-01 | $315,000 (11.5%) | $486,439 (18.8%) | 0.85 | 194 |
2022-01-01 | $324,900 (16.6%) | $499,382 (23.0%) | 0.88 | 145 |
2022-02-01 | $373,675 (34.8%) | $543,400 (27.0%) | 0.97 | 121 |
2022-03-01 | $346,175 (15.4%) | $502,383 (4.7%) | 0.87 | 143 |
2022-04-01 | $350,000 (9.5%) | $520,505 (8.0%) | 0.83 | 153 |
2022-05-01 | $350,000 (7.7%) | $495,391 (4.0%) | 0.80 | 190 |
2022-06-01 | $350,000 (16.7%) | $488,773 (14.4%) | 0.78 | 216 |
2022-07-01 | $360,000 (29.8%) | $489,205 (17.1%) | 0.81 | 271 |
2022-08-01 | $384,250 (26.0%) | $559,765 (21.5%) | 0.89 | 277 |
2022-09-01 | $379,450 (25.0%) | $540,810 (13.8%) | 0.89 | 281 |
2022-10-01 | $380,000 (22.6%) | $522,865 (17.1%) | 0.89 | 318 |
2022-11-01 | $362,450 (16.9%) | $497,653 (6.1%) | 0.87 | 330 |
2022-12-01 | $379,950 (20.6%) | $500,552 (2.9%) | 0.94 | 289 |
2023-01-01 | $388,675 (19.6%) | $487,606 (-2.4%) | 0.96 | 275 |
2023-02-01 | $399,350 (6.9%) | $487,990 (-10.2%) | 0.96 | 245 |
2023-03-01 | $412,500 (19.2%) | $500,449 (-0.4%) | 0.97 | 243 |
2023-04-01 | $410,000 (17.1%) | $491,964 (-5.5%) | 0.95 | 264 |
2023-05-01 | $429,900 (22.8%) | $545,793 (10.2%) | 0.97 | 250 |
2023-06-01 | $422,473 (20.7%) | $505,286 (3.4%) | 0.95 | 260 |
2023-07-01 | $415,000 (15.3%) | $524,712 (7.3%) | 0.94 | 257 |
2023-08-01 | $417,439 (8.6%) | $522,899 (-6.6%) | 0.96 | 276 |
2023-09-01 | $424,950 (12.0%) | $523,783 (-3.2%) | 0.99 | 298 |
2023-10-01 | $394,675 (3.9%) | $508,930 (-2.7%) | 0.93 | 358 |
2023-11-01 | $373,750 (3.1%) | $481,471 (-3.3%) | 0.89 | 389 |
2023-12-01 | $369,650 (-2.7%) | $476,072 (-4.9%) | 0.90 | 390 |
2024-01-01 | $367,450 (-5.5%) | $481,845 (-1.2%) | 0.90 | 359 |
2024-02-01 | $357,450 (-10.5%) | $481,962 (-1.2%) | 0.86 | 325 |
2024-03-01 | $376,950 (-8.6%) | $496,178 (-0.9%) | 0.89 | 342 |
2024-04-01 | $379,430 (-7.5%) | $512,653 (4.2%) | 0.88 | 333 |
2024-05-01 | $377,450 (-12.2%) | $525,698 (-3.7%) | 0.86 | 344 |
2024-06-01 | $361,450 (-14.4%) | $490,865 (-2.9%) | 0.82 | 396 |
2024-07-01 | $360,650 (-13.1%) | $478,737 (-8.8%) | 0.82 | 452 |
2024-08-01 | $369,900 (-11.4%) | $482,173 (-7.8%) | 0.86 | 474 |
2024-09-01 | $379,950 (-10.6%) | $491,020 (-6.3%) | 0.89 | 506 |
2024-10-01 | $374,850 (-5.0%) | $488,797 (-4.0%) | 0.88 | 543 |
2024-11-01 | $375,000 (0.3%) | $486,498 (1.0%) | 0.90 | 552 |
2024-12-01 | $369,950 (0.1%) | $467,159 (-1.9%) | 0.92 | 478 |
2025-01-01 | $388,000 (5.6%) | $474,204 (-1.6%) | 0.97 | 437 |
2025-02-01 | $387,175 (8.3%) | $478,500 (-0.7%) | 0.94 | 440 |
2025-03-01 | $385,000 (2.1%) | $489,061 (-1.4%) | 0.00 | 493 |
Johnson City's median listing price comes in at 0% of the national average.
Johnson City's average listing price for 2025-03-01 was $489,061, a difference of $-7,117 (-1.4%) versus the prior year and $10,561 versus the prior month.
For the 2025-03-01 period, Johnson City had 493 MLS listings, a difference of 53 listings (12%) versus the prior month and 151 listings (44%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Johnson City (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 94 days | 2,008 sqft |
2018-02-01 | 88 days | 1,995 sqft |
2018-03-01 | 67 days | 1,996 sqft |
2018-04-01 | 65 days | 2,022 sqft |
2018-05-01 | 61 days | 2,064 sqft |
2018-06-01 | 54 days | 2,110 sqft |
2018-07-01 | 61 days | 2,123 sqft |
2018-08-01 | 66 days | 2,052 sqft |
2018-09-01 | 65 days | 2,054 sqft |
2018-10-01 | 72 days | 2,036 sqft |
2018-11-01 | 74 days | 1,933 sqft |
2018-12-01 | 87 days | 1,944 sqft |
2019-01-01 | 93 days | 1,838 sqft |
2019-02-01 | 93 days | 1,845 sqft |
2019-03-01 | 76 days | 1,966 sqft |
2019-04-01 | 57 days | 2,087 sqft |
2019-05-01 | 51 days | 2,129 sqft |
2019-06-01 | 58 days | 2,128 sqft |
2019-07-01 | 62 days | 2,128 sqft |
2019-08-01 | 58 days | 2,114 sqft |
2019-09-01 | 60 days | 2,100 sqft |
2019-10-01 | 63 days | 2,101 sqft |
2019-11-01 | 67 days | 2,138 sqft |
2019-12-01 | 79 days | 2,100 sqft |
2020-01-01 | 93 days | 2,118 sqft |
2020-02-01 | 88 days | 2,053 sqft |
2020-03-01 | 59 days | 2,029 sqft |
2020-04-01 | 56 days | 2,039 sqft |
2020-05-01 | 65 days | 2,032 sqft |
2020-06-01 | 46 days | 1,982 sqft |
2020-07-01 | 44 days | 1,980 sqft |
2020-08-01 | 38 days | 2,029 sqft |
2020-09-01 | 40 days | 2,035 sqft |
2020-10-01 | 41 days | 2,027 sqft |
2020-11-01 | 45 days | 2,050 sqft |
2020-12-01 | 51 days | 2,005 sqft |
2021-01-01 | 58 days | 1,946 sqft |
2021-02-01 | 44 days | 1,927 sqft |
2021-03-01 | 31 days | 2,107 sqft |
2021-04-01 | 27 days | 2,151 sqft |
2021-05-01 | 19 days | 2,138 sqft |
2021-06-01 | 23 days | 2,013 sqft |
2021-07-01 | 24 days | 1,872 sqft |
2021-08-01 | 25 days | 1,936 sqft |
2021-09-01 | 30 days | 1,942 sqft |
2021-10-01 | 30 days | 1,846 sqft |
2021-11-01 | 45 days | 1,819 sqft |
2021-12-01 | 56 days | 1,872 sqft |
2022-01-01 | 60 days | 1,800 sqft |
2022-02-01 | 34 days | 1,909 sqft |
2022-03-01 | 24 days | 1,858 sqft |
2022-04-01 | 22 days | 1,880 sqft |
2022-05-01 | 23 days | 1,912 sqft |
2022-06-01 | 27 days | 1,866 sqft |
2022-07-01 | 24 days | 1,920 sqft |
2022-08-01 | 36 days | 1,972 sqft |
2022-09-01 | 40 days | 1,972 sqft |
2022-10-01 | 47 days | 1,975 sqft |
2022-11-01 | 46 days | 1,963 sqft |
2022-12-01 | 58 days | 2,001 sqft |
2023-01-01 | 69 days | 1,944 sqft |
2023-02-01 | 63 days | 2,000 sqft |
2023-03-01 | 45 days | 2,058 sqft |
2023-04-01 | 36 days | 2,029 sqft |
2023-05-01 | 37 days | 2,011 sqft |
2023-06-01 | 36 days | 1,950 sqft |
2023-07-01 | 36 days | 1,928 sqft |
2023-08-01 | 34 days | 1,910 sqft |
2023-09-01 | 39 days | 2,027 sqft |
2023-10-01 | 43 days | 1,896 sqft |
2023-11-01 | 45 days | 1,811 sqft |
2023-12-01 | 54 days | 1,806 sqft |
2024-01-01 | 68 days | 1,802 sqft |
2024-02-01 | 67 days | 1,796 sqft |
2024-03-01 | 56 days | 1,808 sqft |
2024-04-01 | 47 days | 1,841 sqft |
2024-05-01 | 44 days | 1,844 sqft |
2024-06-01 | 43 days | 1,856 sqft |
2024-07-01 | 40 days | 1,845 sqft |
2024-08-01 | 49 days | 1,862 sqft |
2024-09-01 | 53 days | 1,876 sqft |
2024-10-01 | 55 days | 1,862 sqft |
2024-11-01 | 65 days | 1,872 sqft |
2024-12-01 | 65 days | 1,824 sqft |
2025-01-01 | 71 days | 1,824 sqft |
2025-02-01 | 66 days | 1,787 sqft |
2025-03-01 | 0 days | 1,764 sqft |
Johnson City's median square footage for active listings during the 2025-03-01 period was 1,764 sqft. One year prior, the average listing was 1,808 sqft.