Market Overview
Home Prices in Union City, IN
The median home value in Union City, IN is $140,031 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 13.5% compared to a year ago and up 6.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Union City are priced66% below average.
Over the past five years, Union City home values have risen by approximately51.4%, reflecting strong long-term appreciation in this market.
Price History
Union City Home Price Trend
2020
$76,851
$77K
—
2021
$92,487
$92K
+20.3%
2022
$105,325
$105K
+13.9%
2023
$110,232
$110K
+4.7%
2024
$115,532
$116K
+4.8%
2025
$123,372
$123K
+6.8%
2026
$140,031
$140K
+13.5%
City Comparison
Union City vs. National Median
🏠 Union City
$140,031
National Median
$410,000
At $140,031, homes in Union City cost 66% below the national median of $410,000. This makes Union City a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Union City?
20% Down Payment
$28,006
on $140,031
Monthly P&I
$730/mo
30-yr @ 6.8%
Total Monthly Est.
~$927/mo
incl. taxes & insurance
Income Needed
$37,080
gross annual (30% rule)
10% Down Option
$14,003
+ PMI applies
Loan Amount (20% dn)
$112,025
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, IN?
The median home value in Union City is $140,031 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 13.5% year-over-year.
How much have home prices changed in Union City?
Over the past year, home values in Union City have increased by 13.5%. Over five years, prices have risen approximately 51.4%.
How much do I need to earn to buy a home in Union City?
To comfortably afford the median home price of $140,031 with a 20% down payment ($28,006) at today's rates (6.8%), you'd need a gross annual income of approximately $37,080. 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 $140,031, homes in Union City are 66% below the national average.