The typical owner-occupied home in West Union is worth about $147,700, 43% below the South Carolina median of $259,000 and 56% below the national median of $332,700. Owners pay a median $715 a year in property taxes, about 0.48% of their home's value, close to the South Carolina rate of 0.48%. The median household earns $48,393 a year, so the median home costs 3.1 times the median income (3.7 times for South Carolina). 73% of occupied homes here are lived in by their owners, and 49% of those owners still have a mortgage.
West Union at a glance
| West Union | South Carolina | U.S. | |
|---|---|---|---|
| Median home value | $147,700 | $259,000 | $332,700 |
| Median property tax paid per year | $715 | $1,251 | $3,119 |
| Property tax as a share of value | 0.48% | 0.48% | 0.94% |
| Median household income | $48,393 | $69,324 | $80,734 |
| Homes lived in by their owners | 73% | 72% | 65% |
| Owner homes with a mortgage | 49% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $900 | $1,529 | $1,963 |
| Those costs as a share of the owners' income | 20.4% | 19.7% | 21.0% |
| Median rent | $758 | $1,180 | $1,413 |
| Rent as a share of renters' income | 18.7% | 31.1% | 30.6% |
| Median year homes were built | 1992 | 1992 | 1980 |
| Vacant homes | 9.4% | 13.3% | 10.1% |
| Population | 370 | 5,296,225 | 334,922,499 |
What a typical home costs per month in West Union
At this week's average 30-year rate of 7.11%, buying the median West Union home of $147,700 with 20% down costs about $915 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,162, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $39,235 for the 20%-down payment. That payment is 23% of the median West Union household income of $48,393; at that income and 20% down, the 28% guideline points to a home of about $182,000.
The median rent here is $758 a month, so owning the median home costs about $157 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $29,540 |
|---|---|
| Loan amount | $118,160 |
| Principal and interest | $795 |
| Property taxes (0.48% a year) | $59 |
| Homeowners insurance (our estimate, 0.5% a year) | $62 |
| PMI | $0 |
| Total per month | $915 |
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| Down payment | $5,170 |
|---|---|
| Loan amount | $145,025 |
| Principal and interest | $976 |
| Property taxes (0.48% a year) | $59 |
| Homeowners insurance (our estimate, 0.5% a year) | $62 |
| FHA mortgage insurance | $65 |
| Total per month | $1,162 |
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Questions about home buying in West Union
What is the median home value in West Union?
About $147,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in West Union?
Homeowners pay a median $715 a year, which is about 0.48% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in West Union?
For the median home with 20% down at 7.11%, the payment is about $915 a month. Keeping that under 28% of gross income takes about $39,235 a year.
More about West Union
- Mortgage Refinance in West Union
- Debt Relief in West Union
- Home Equity Loans in West Union
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data