Market Overview
Home Prices in Union City, CA
The median home value in Union City, CA is $1,247,792 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 5.1% compared to a year ago and down 1.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Union City are priced204% above average. Union City is part of the San Francisco-Oakland-Berkeley, CA metro area.
Over the past five years, Union City home values have risen by approximately12.5%, reflecting steady appreciation in this market.
Price History
Union City Home Price Trend
City Comparison
Union City vs. National Median
At $1,247,792, homes in Union City cost 204% above the national median of $410,000. Buyers in Union City should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Union City?
20% Down Payment
$249,558
on $1,247,792
Monthly P&I
$6,508/mo
30-yr @ 6.8%
Total Monthly Est.
~$8,265/mo
incl. taxes & insurance
Income Needed
$330,600
gross annual (30% rule)
10% Down Option
$124,779
+ PMI applies
Loan Amount (20% dn)
$998,234
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 Union City, CA?
The median home value in Union City is $1,247,792 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 5.1% year-over-year.
How much have home prices changed in Union City?
Over the past year, home values in Union City have decreased by 5.1%. Over five years, prices have risen approximately 12.5%.
How much do I need to earn to buy a home in Union City?
To comfortably afford the median home price of $1,247,792 with a 20% down payment ($249,558) at today's rates (6.8%), you'd need a gross annual income of approximately $330,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Union City compare to the national average home price?
The national median home value is approximately $410,000. At $1,247,792, homes in Union City are 204% above the national average.
What metro area is Union City part of?
Union City is part of the San Francisco-Oakland-Berkeley, CA metropolitan area. Home prices and market conditions can vary across the broader metro region.