City · 6,232 residents · Washington County, Tennessee
Jonesborough, Tennessee
In Jonesborough, a typical home is worth $299,200 and typical rent is $1,129 a month. Compared with all of Washington County, the typical home value is 20% higher and typical household income is 18% higher.
Typical home value from Zillow, September 2021 to September 2026: from $252,171 to $336,602.
Typical rent
$1,562a month
▲ 5.5% more than 12 months ago
Typical rent from Zillow, March 2025 to September 2026: from $1,406 to $1,562.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Jonesborough is in Washington 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 Washington County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Erwin, the typical rent is $614: 46% less than in Jonesborough ($1,129).
2
Nearby, in Bloomingdale, the typical home value is $165,500: 45% less than in Jonesborough ($299,200).
3
The typical home in Jonesborough is worth $299,200,20% more than in Washington County as a whole ($249,000).
4
The typical household income in Jonesborough is $74,015,18% more than in Washington County as a whole ($62,809).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Jonesborough
What homes there are in Jonesborough, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Jonesborough
Washington County
Tennessee
United States
Kind of home: Jonesborough and its comparisons
Measure
Jonesborough
Washington County
Tennessee
United States
Detached house
70%
64%
68%
61%
Attached house
Unreliable estimate
4%
4%
6%
Building of 2 to 4
Unreliable estimate
8%
6%
8%
Apartments (5 or more)
Unreliable estimate
16%
14%
19%
Mobile home
Unreliable estimate
8%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Jonesborough: 70% of homes, more than in Washington County (64%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Jonesborough
Washington County
Tennessee
United States
Year built: Jonesborough and its comparisons
Measure
Jonesborough
Washington County
Tennessee
United States
Before 1960
22%
20%
18%
26%
1960–1979
21%
23%
23%
24%
1980–1999
27%
28%
29%
25%
2000–2009
15%
16%
16%
14%
2010 or later
16%
12%
15%
11%
By age, homes in Jonesborough look like those in Washington County: the typical year built is 1986.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K19%
$200K–$300K31%
$300K–$500K38%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Jonesborough and its comparisons
Measure
Jonesborough
Under $100K
Unreliable estimate
$100K–$200K
19%
$200K–$300K
31%
$300K–$500K
38%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49950%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Jonesborough and its comparisons
Measure
Jonesborough
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
50%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,524 a month
Washington County: $1,367 a month
Without a mortgage
$469 a month
Washington County: $435 a month
Owners with a mortgage
57%
Washington County: 54%
In Jonesborough, 57% of owners have a mortgage, and their typical cost is $1,524 a month, against $1,367 in Washington County. Without one it drops to $469.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Jonesborough+77%
Washington County+53%
Tennessee+72%
United States+53%
Typical rent
Jonesborough+19%
Washington County+33%
Tennessee+37%
United States+33%
Typical household income
Jonesborough+31%
Washington County+30%
Tennessee+31%
United States+29%
Change since 2015–2019: Jonesborough and its comparisons
Measure
Jonesborough
Washington County
Tennessee
United States
Typical home value
+77%
+53%
+72%
+53%
Typical rent
+19%
+33%
+37%
+33%
Typical household income
+31%
+30%
+31%
+29%
The typical home value in Jonesborough rose 77% since 2015–2019, more than in Washington County (53%).
Since 2015–2019, the typical rent in Jonesborough rose 19%, less than in Washington County (33%).
While home values in Jonesborough changed +77% and rent +19%, the typical household income rose 31%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Jonesborough and its comparisons
Measure
Jonesborough
Washington County
Tennessee
United States
Rental vacancy
Unreliable estimate
4.4%
6.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
1.6%
2.2%
3.4%
People per household
2.14
2.32
2.45
2.53
Drive alone
69%
77%
76%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
1%
3%
Work from home
14%
12%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Jonesborough has 2.14 people, fewer than in Washington County (2.32).
To get to work, 69% of workers in Jonesborough drive alone; in Washington County, 77%.
Do the math
What would you pay each month for a home in Jonesborough?
A typical home costs more than the typical income allows
We start with a typical home in Jonesborough, worth $299,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Jonesborough, which is $74,015 a year. For that payment to be 28% of income, a household would need to earn about $101,971 a year.
The calculator's FHA and conventional loan limits are those of all of Washington County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Jonesborough. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $10,472 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,379
at 7.18% · 30 years
Loan amount
$293,781
Total interest
$422,682
Paid off in
November 2056
Includes $5,053 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,727 a month
Tight
$1,727 to $2,220 a month
Hard
more than $2,220 a month
Your payment · 39%
Compared with the typical household income in Jonesborough ($74,015 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,990
Property tax
$132
Home insurance
$125
FHA mortgage insurance (MIP)
$132
You need at least $10,472 for the down payment, plus closing costs.
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.
Total monthly payment $2,379; principal and interest $1,990.
The city and its county
Jonesborough and Washington County
Jonesborough is in Washington County, Tennessee. 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).
Jonesborough
Map of Washington County, Tennessee, with Jonesborough marked. Around it, the neighboring counties.
Jonesborough
Washington County
Other cities with a page
Jonesborough's own numbers
Typical home value
$299,200
Typical monthly rent
$1,129
Typical yearly household income
$74,015
Households that own their home
64%
Effective property tax rate
0.53%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Washington County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,211
Price change over 5 years (FHFA)
+70%
Homes in a high flood-risk zone
1.1%
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 Washington County.
A typical home in Jonesborough is worth $299,200: 20% above the county and 4% above Tennessee. With the typical household income in Jonesborough ($74,015 a year), a typical home costs 4.0 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.
Jonesborough4.0 years
Washington4.0 years
Tennessee4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Washington County
According to FHFA’s house price index, home prices in Washington County rose 105% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Washington County.
Yearly change in FHFA’s price index in Washington County, 2016 to 2025
2016: +0.9% +0.9% 2016
2017: +4.7% +4.7% 2017
2018: +3.7% +3.7% 2018
2019: +5.0% +5.0% 2019
2020: +4.7% +4.7% 2020
2021: +13.0% +13.0% 2021
2022: +21.9% +21.9% 2022
2023: +13.3% +13.3% 2023
2024: +5.2% +5.2% 2024
2025: +3.6% +3.6% 2025
Change in FHFA’s price index in Washington County, Tennessee and the United States
Period
County
Tennessee
U.S.
Last year (2025)
+3.6%
+2.4%
+2.9%
5 years (2020–2025)
+70%
+60%
+47%
10 years (2015–2025)
+105%
+114%
+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
Jonesborough next to Washington County, Tennessee and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Jonesborough$299,200
Washington$249,000
Tennessee$286,700
United States$332,700
Typical monthly rent
Jonesborough$1,129
Washington$1,005
Tennessee$1,189
United States$1,413
Typical yearly household income
Jonesborough$74,015
Washington$62,809
Tennessee$69,595
United States$80,734
See the full table
Jonesborough next to Washington County and Tennessee
Measure
Jonesborough
Washington County
Tennessee
U.S.
Typical home value
$299,200 ▲20% above the county
$249,000
$286,700
$332,700
Typical monthly rent
$1,129 ▲12% above the county
$1,005
$1,189
$1,413
Typical yearly household income
$74,015 ▲18% above the county
$62,809
$69,595
$80,734
Households that own their home
64%
65%
67%
65%
Typical yearly property tax
$1,597 ▲23% above the county
$1,302
$1,442
$3,119
Effective property tax rate
0.53% ▲0.01 points above the county
0.52%
0.5%
0.94%
Renters with high rent for their income
46% ▼3 points below the county
49%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Washington 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 Jonesborough
For a typical $299,200 home in Jonesborough, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jonesborough's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,379a month
Least cash to close
Down payment
$10,472
Cash to close
$19,448
Rate
7.18%
Mortgage insurance
FHA MIP · $132
Conventional, 5% down$2,324a month
Down payment
$14,960
Cash to close
$23,936
Rate
7.18%
Mortgage insurance
PMI · $142
Conventional, 20% down, no PMI$1,878a month
Down payment
$59,840
Cash to close
$68,816
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,155a month
Down payment
$44,880
Cash to close
$53,856
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Jonesborough
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,379
$10,472
$293,781
7.18%
FHA MIP · $132
$19,448
580
Conventional, 5% down
$2,324
$14,960
$284,240
7.18%
PMI · $142
$23,936
620*
Conventional, 20% down, no PMI
$1,878
$59,840
$239,360
7.18%
None
$68,816
620*
ITIN, 15% down (example)
$2,155
$44,880
$254,320
8.18%
None
$53,856
Set by the lender
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Jonesborough and for Washington County.
Property tax
Effective rate in Jonesborough
0.53%of the home’s value each year
$1,597 a year for the typical owner in Jonesborough.
Jonesborough0.53%
Washington0.52%
Tennessee0.5%
What Tennessee publishesProperty tax relief for older, disabled and disabled-veteran homeowners (Tennessee Comptroller of the Treasury, 2026 Property Tax Relief Program brochure)
Typical rent in Jonesborough is $1,129 a month: 12% above the county. In Jonesborough, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Washington County, by unit size. To pay the 2-bedroom one ($1,211 a month) without spending more than 30% of your income, you would need to earn $23.29 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Washington County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$942
$18.12
$37,680
1 bedroom
$948
$18.23
$37,920
2 bedrooms
$1,211
$23.29
$48,440
3 bedrooms
$1,461
$28.10
$58,440
4 bedrooms
$1,609
$30.94
$64,360
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 Jonesborough
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jonesborough is in ZIP code 37659.
For 2 bedrooms it is $1,380: $169 more than the fair market rent for Washington County ($1,211).
Fair market rent by ZIP code and size in Jonesborough, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
37659
$1,070
$1,080
$1,380
$1,660
$1,830
ZIP code2 bd3 bd
37659 $1,380$1,660
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Jonesborough 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Washington County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Jonesborough or Washington County. The ones below are statewide in Tennessee: they work in Jonesborough the same as in the rest of the state.
Tennessee state agency help with the down payment and closing costs alongside the Great Choice mortgage: $6,000 or $10,000 forgivable over 10 years with no payments, or up to 5% of the price (maximum $15,000) as a 30-year second mortgage.Offered by Tennessee Housing Development Agency (THDA).
The HUD-approved agencies closest to the center of Jonesborough, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Jonesborough or Washington County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Jonesborough and all of Washington 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 Jonesborough?
The typical home value in Jonesborough is $299,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Washington County it is $249,000.
How much does it cost to rent in Jonesborough?
Typical rent in Jonesborough is $1,129 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Washington County is $1,211.
What is the FHA loan limit in Jonesborough?
Jonesborough uses the FHA limit for all of Washington 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 Jonesborough?
The typical homeowner in Jonesborough pays $1,597 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Washington County, the rate is 0.52%.
Where can I find free help to buy or rent in Jonesborough?
There is 1 HUD-approved counseling agency with an office in Washington County. They can help you get ready to buy, with your credit, or with rent.
