The typical owner-occupied home in Union is worth about $154,200, 5% below the West Virginia median of $162,600 and 54% below the national median of $332,700. Owners pay a median $727 a year in property taxes, about 0.47% of their home's value, lower than the West Virginia rate of 0.53%. The median household earns $35,000 a year, so the median home costs 4.4 times the median income (2.7 times for West Virginia). 67% of occupied homes here are lived in by their owners, and 31% of those owners still have a mortgage.
Union at a glance
| Union | West Virginia | U.S. | |
|---|---|---|---|
| Median home value | $154,200 | $162,600 | $332,700 |
| Median property tax paid per year | $727 | $865 | $3,119 |
| Property tax as a share of value | 0.47% | 0.53% | 0.94% |
| Median household income | $35,000 | $59,608 | $80,734 |
| Homes lived in by their owners | 67% | 75% | 65% |
| Owner homes with a mortgage | 31% | 46% | 61% |
| Median monthly costs, owners with a mortgage | $676 | $1,255 | $1,963 |
| Those costs as a share of the owners' income | 26.2% | 17.3% | 21.0% |
| Median rent | $615 | $872 | $1,413 |
| Rent as a share of renters' income | 26.6% | 29.4% | 30.6% |
| Median year homes were built | 1969 | 1976 | 1980 |
| Vacant homes | 18.1% | 15.4% | 10.1% |
| Population | 476 | 1,778,373 | 334,922,499 |
What a typical home costs per month in Union
At this week's average 30-year rate of 7.11%, buying the median Union home of $154,200 with 20% down costs about $954 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,211, 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 $40,907 for the 20%-down payment. That payment is 33% of the median Union household income of $35,000; at that income and 20% down, the 28% guideline points to a home of about $132,000.
The median rent here is $615 a month, so owning the median home costs about $340 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $30,840 |
|---|---|
| Loan amount | $123,360 |
| Principal and interest | $830 |
| Property taxes (0.47% a year) | $60 |
| Homeowners insurance (our estimate, 0.5% a year) | $64 |
| PMI | $0 |
| Total per month | $954 |
Change the numbers in the calculator
| Down payment | $5,397 |
|---|---|
| Loan amount | $151,407 |
| Principal and interest | $1,019 |
| Property taxes (0.47% a year) | $60 |
| Homeowners insurance (our estimate, 0.5% a year) | $64 |
| FHA mortgage insurance | $68 |
| Total per month | $1,211 |
Change the numbers in the calculator
Questions about home buying in Union
What is the median home value in Union?
About $154,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Union?
Homeowners pay a median $727 a year, which is about 0.47% 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 Union?
For the median home with 20% down at 7.11%, the payment is about $954 a month. Keeping that under 28% of gross income takes about $40,907 a year.
More about Union
- Mortgage Refinance in Union
- Debt Relief in Union
- Home Equity Loans in 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