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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Jonesborough, TN Housing Affordability Index

Jonesborough, Tennessee has an MBR Housing Affordability Index score of 117.1 (More Affordable Than Average) as of October 30, 2026, ranking 272nd most affordable of 380 scored Tennessee cities, compared with 103.7 statewide and 97.4 nationally. On a median-priced $299,200 home with 20% down, the Tennessee average 30-year fixed rate of 7.18% means a monthly principal and interest payment of about $1,622, or 26% of the city’s $74,015 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Jonesborough is updated every night from live Tennessee mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Jonesborough MBR-HAI 117.1 More Affordable Than Average
Rank in Tennessee 272 of 380 1 = most affordable
Tennessee 103.7 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.18% Tennessee lenders
Median home value $299,200 U.S. Census Bureau

Jonesborough is 13.3 points above the Tennessee score. Scores as of October 30, 2026. See the Tennessee index

View Jonesborough Mortgage Rates

What It Takes to Buy in Jonesborough

$1,622/mo
Principal & Interest
Median home, 20% down, 7.18%
$69,500
Income Needed
To keep the payment at 28% of income
$74,015
Median Household Income
Tennessee: $69,595
4.0x
Price-to-Income Ratio
Tennessee: 4.1x
$1,123/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,573/yr
Median Property Tax
0.53% of median value
11.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Jonesborough, Tennessee. The rate is the Tennessee average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Jonesborough Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Jonesborough, Tennessee score: 117.1 (More Affordable Than Average), ranked 272 of 380 Tennessee cities. monitorbankrates.com/housing-affordability-index/tennessee/jonesborough”