ZIP Code 37604 — Johnson City, TN Home Prices (2026)
The typical home in ZIP 37604 (Johnson City, Tennessee) is worth about $288,000 at roughly $204 per square foot — about the same as the Johnson City median and 2% more affordable than the typical U.S. home.
How 37604 compares
ZIP 37604 is a mid-priced ZIP code for Johnson City: its typical home value of $288,000 ranks #2 of the 3 Johnson City ZIP codes we track (the citywide range runs from $268,000 in 37601 to $359,000 in 37615). Per square foot it costs about $204, against $204 for Johnson City as a whole, $211 for Tennessee, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 37604 | $288,000 | $204 |
| Johnson City, TN | $288,000 | $204 |
| Tennessee | $272,500 | $211 |
| United States | $294,000 | $195 |
Home value by size in 37604
Using this ZIP’s rate of about $204 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $204,000 |
| 1,500 sq ft | $306,000 |
| 2,000 sq ft | $408,000 |
| 2,500 sq ft | $510,000 |
| 3,000 sq ft | $612,000 |
Salary needed to buy a home in ZIP 37604
To buy the typical $288,000 home in ZIP 37604 with 20% down, you need a household income of roughly $78,000 a year (about $1,830 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $93,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,400 | $2,270/mo | $97,000/yr |
| 10% (+PMI) | $28,800 | $2,170/mo | $93,000/yr |
| 20% | $57,600 | $1,830/mo | $78,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 37604
At about $204 per square foot, here is roughly how much home different budgets get you in ZIP 37604:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 740 sq ft | below the local median — condos, smaller or older homes |
| $200k | 980 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1230 sq ft | around the typical home here |
| $300k | 1470 sq ft | around the typical home here |
| $400k | 1960 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 37604 home.
Estimate a specific home in 37604
The estimator below is pre-set to ZIP 37604 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Johnson City ZIP codes by home value
Where 37604 sits among Johnson City’s 3 ZIP codes:
ZIP 37604 home prices: frequently asked
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See the full Johnson City home values page, all Tennessee cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.