Market Overview
Home Prices in Unicoi, TN
The median home value in Unicoi, TN is $282,434 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4% compared to a year ago and up 1.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Unicoi are priced31% below average. Unicoi is part of the Johnson City, TN metro area.
Over the past five years, Unicoi home values have risen by approximately41.4%, reflecting strong long-term appreciation in this market.
Price History
Unicoi Home Price Trend
City Comparison
Unicoi vs. National Median
At $282,434, homes in Unicoi cost 31% below the national median of $410,000. This makes Unicoi a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Unicoi?
20% Down Payment
$56,487
on $282,434
Monthly P&I
$1,473/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,871/mo
incl. taxes & insurance
Income Needed
$74,840
gross annual (30% rule)
10% Down Option
$28,243
+ PMI applies
Loan Amount (20% dn)
$225,947
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Unicoi, TN?
The median home value in Unicoi is $282,434 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4% year-over-year.
How much have home prices changed in Unicoi?
Over the past year, home values in Unicoi have increased by 4%. Over five years, prices have risen approximately 41.4%.
How much do I need to earn to buy a home in Unicoi?
To comfortably afford the median home price of $282,434 with a 20% down payment ($56,487) at today's rates (6.8%), you'd need a gross annual income of approximately $74,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Unicoi compare to the national average home price?
The national median home value is approximately $410,000. At $282,434, homes in Unicoi are 31% below the national average.
What metro area is Unicoi part of?
Unicoi is part of the Johnson City, TN metropolitan area. Home prices and market conditions can vary across the broader metro region.