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City · 14,940 residents · Broome County, New York

Johnson City , New York

In Johnson City, a typical home is worth $117,100 and typical rent is $1,031 a month. Compared with all of Broome County, the typical home value is 24% lower, typical household income is 10% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $117,100

    24% below the county

    72% below New York

    • Johnson City
    • Broome
    • New York

  • Typical rent

    $1,031a month

    10% above the county

    36% below New York

    • Johnson City
    • Broome
    • New York

  • Typical household income

    $56,283a year

    10% below the county

    35% below New York

    • Johnson City
    • Broome
    • New York

  • Households that own their home

    52%

    12 points below the county

    2 points below New York

    • Johnson City
    • Broome
    • New York

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$169,650
7.4% more than 12 months ago
Typical rent
$1,338 a month
14.4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Johnson City is in Broome County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Broome County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Johnson City apart

What this place has that others do not, from public data, most unusual first.

  1. Johnson City has the 18th lowest typical home value of the 348 cities in New York with more than 5,000 people ($117,100).

  2. Nearby, in Endicott, the typical rent is $853: 17% less than in Johnson City ($1,031).

  3. 52% of households in Johnson City own their home, against 65% in Broome County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Johnson City

What homes there are in Johnson City, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Johnson City, but it weighs less than in Broome County: 53% against 60%.

Year built

In Johnson City, half of the homes were built before 1949; in Broome County, before 1958.

There are fewer big homes in Johnson City than in Broome County: 47% have 3 bedrooms or more, against 61%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,202 a month

Broome County: $1,408 a month

Without a mortgage

$656 a month

Broome County: $645 a month

Owners with a mortgage

49%

Broome County: 52%

Owning costs less in Johnson City: with a mortgage, the typical cost is $1,202 a month; in Broome County, $1,408. Without one, $656.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Much as in Broome County, the typical home value in Johnson City rose 31% since 2015–2019.

Much as in Broome County, the typical rent in Johnson City rose 20% since 2015–2019.

The typical household income in Johnson City rose 33% over that time; home values changed +31% and rent +20%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureJohnson CityBroome CountyNew YorkUnited States
Rental vacancy Unreliable estimate7.8%3.8%5.5%
Homeowner vacancy Unreliable estimate1.5%1.1%0.9%
More than one person per room Unreliable estimate1.8%5.3%3.4%
People per household 2.192.262.492.53
Drive alone 70%73%49%69%
Carpool 9%9%6%9%
Public transit Unreliable estimate3%22%3%
Walk or bike 6%5%6%3%
Work from home 10%10%15%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Broome County, a household in Johnson City has 2.19 people on average.

To get to work, 70% of workers in Johnson City drive alone; in Broome County, 73%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Johnson City?

A typical home is within reach of the typical income

We start with a typical home in Johnson City, worth $117,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Johnson City, which is $56,283 a year.

The calculator's FHA and conventional loan limits are those of all of Broome County.

Your numbers

Local data
$

Starts at the typical home value in Johnson City. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $4,099 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,211

at 7.18% · 30 years

Loan amount
$114,979
Total interest
$165,427
Paid off in
November 2056

Includes $1,978 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,313 a month

    Your payment · 26%

  • Tight

    $1,313 to $1,688 a month

  • Hard

    more than $1,688 a month

Compared with the typical household income in Johnson City ($56,283 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,211
Principal & interest$779
Property tax$332
Home insurance$49
FHA mortgage insurance (MIP)$52

You need at least $4,099 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Johnson City and Broome County

Johnson City is in Broome County, New York. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Johnson City's own numbers

Typical home value
$117,100
Typical monthly rent
$1,031
Typical yearly household income
$56,283
Households that own their home
52%
Effective property tax rate
3.4%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Broome County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,219
Price change over 5 years (FHFA)
+55%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Broome County.

Everything about Broome County

Buying

Buying a home in Johnson City

A typical home in Johnson City is worth $117,100: 24% below the county and 72% below New York. With the typical household income in Johnson City ($56,283 a year), a typical home costs 2.1 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Johnson City 2.1 years
  • Broome 2.5 years
  • New York 4.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Broome County

According to FHFA’s house price index, home prices in Broome County rose 79% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Broome County.

Period County New York U.S.
Last year (2025) +7.8% +6.0% +2.9%
5 years (2020–2025) +55% +52% +47%
10 years (2015–2025) +79% +86% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Johnson City next to Broome County, New York and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Johnson City $117,100
  • Broome $154,900
  • New York $423,800
  • United States $332,700
Typical monthly rent
  • Johnson City $1,031
  • Broome $941
  • New York $1,621
  • United States $1,413
Typical yearly household income
  • Johnson City $56,283
  • Broome $62,616
  • New York $85,974
  • United States $80,734
See the full table
Johnson City next to Broome County and New York
Measure Johnson City Broome County New York U.S.
Typical home value $117,100 $154,900 $423,800 $332,700
Typical monthly rent $1,031 $941 $1,621 $1,413
Typical yearly household income $56,283 $62,616 $85,974 $80,734
Households that own their home 52% 65% 54% 65%
Typical yearly property tax $3,982 $3,902 $6,582 $3,119
Effective property tax rate 3.4% 2.52% 1.55% 0.94%
Renters with high rent for their income 58% 50% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Broome County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Johnson City

For a typical $117,100 home in Johnson City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Johnson City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,211a month

    Least cash to close
    Down payment
    $4,099
    Cash to close
    $7,612
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $52

  • Conventional, 5% down $1,190a month

    Down payment
    $5,855
    Cash to close
    $9,368
    Rate
    7.18%
    Mortgage insurance
    PMI · $56

  • Conventional, 20% down, no PMI $1,015a month

    Down payment
    $23,420
    Cash to close
    $26,933
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,123a month

    Down payment
    $17,565
    Cash to close
    $21,078
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Johnson City and for Broome County.

Property tax

Effective rate in Johnson City

3.4%of the home’s value each year

$3,982 a year for the typical owner in Johnson City.

  • Johnson City 3.4%
  • Broome 2.52%
  • New York 1.55%

What New York publishes Basic STAR school tax relief (New York State Department of Taxation and Finance)

Exemptions and deadlines in New York

Flood risk in Broome County

FEMA does not publish these numbers by city: they are for all of Broome County.

FEMA’s maps count no homes in the high-risk zone in Broome County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Johnson City

Typical rent in Johnson City is $1,031 a month: 10% above the county. In Johnson City, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Broome County, by unit size. To pay the 2-bedroom one ($1,219 a month) without spending more than 30% of your income, you would need to earn $23.44 an hour working full time.

HUD fair market rent for all of Broome County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $849 $16.33 $33,960
1 bedroom $954 $18.35 $38,160
2 bedrooms $1,219 $23.44 $48,760
3 bedrooms $1,535 $29.52 $61,400
4 bedrooms $1,769 $34.02 $70,760

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Johnson City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Johnson City is in ZIP code 13790.

For 2 bedrooms it is $1,330: $111 more than the fair market rent for Broome County ($1,219).

  • 13790 $1,330$1,680

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Johnson City when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Johnson City

HUD lists 3 buildings with rents for lower incomes in Johnson City. These are the largest.

  • Century Sunrise Development 135 Baldwin St, Johnson City 13790 134 homes, 93 low-income · 1 bd: 58 · 2 bd: 71 · 3 bd: 5 · In service since 2020
  • Harry L Apts 235 Harry L Dr, Johnson City 13790 60 low-income homes · 1 bd: 60 · In service since 2008 · For older adults
  • Wells Apartments 299 Floral Ave, Johnson City 13790 50 homes, 49 low-income · For older adults (607) 797-8862

See all 35 buildings in Broome County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Johnson City

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Broome County; none says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Johnson City

No down payment, repair or rent-help program on our list is for Johnson City or Broome County. The ones below are statewide in New York: they work in Johnson City the same as in the rest of the state.

Which programs do I qualify for? All programs in New York

Housing counselors near Johnson City

The HUD-approved agencies closest to the center of Johnson City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Metro-Interfaith Housing Management Corporation DBA Metro Interfaith Services

    155 Court St, Binghamton · 3 miles away

    • Mortgage delinquency and default
    • Homelessness services
    • and 4 more
    607-772-6766-302

  • Ithaca Neighborhood Housing Services, Inc.

    115 W Clinton St, Ithaca · 35 miles away · Spanish

    Also serves in French.

    • Workshops for new owners
    • Pre-purchase counseling
    • and 1 more
    (607) 277-4500

  • Opportunities for Chenango, Inc.

    44 W Main St, Norwich · 36 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (607) 334-7114

Every agency in Broome County All counseling agencies in New York

Help in Spanish near Johnson City

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Johnson City

In HUD’s record, no housing authority with an office in Broome County is named for Johnson City or Broome County.

2 other authorities have an office in Broome County: see the list Source: HUD

Cities

Other cities in Broome County

These cities are also in Broome County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Broome County Housing in New York

Nearby cities

The cities closest to Johnson City, with the typical home value.

Neighboring counties

If Broome County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Johnson City.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Johnson City

Short answers with the numbers for Johnson City and all of Broome County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Johnson City?

The typical home value in Johnson City is $117,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Broome County it is $154,900.

How much does it cost to rent in Johnson City?

Typical rent in Johnson City is $1,031 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Broome County is $1,219.

What is the FHA loan limit in Johnson City?

Johnson City uses the FHA limit for all of Broome County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Johnson City?

The typical homeowner in Johnson City pays $3,982 a year, according to the U.S. Census Bureau. That is 3.4% of the home’s value; in Broome County, the rate is 2.52%.

Where can I find free help to buy or rent in Johnson City?

There is 1 HUD-approved counseling agency with an office in Broome County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).