Market Overview
Home Prices in Union City, MI
The median home value in Union City, MI is $176,358 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.7% compared to a year ago and down 1.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Union City are priced57% below average. Union City is part of the Coldwater, MI metro area.
Over the past five years, Union City home values have risen by approximately12.2%, reflecting steady appreciation in this market.
Price History
Union City Home Price Trend
City Comparison
Union City vs. National Median
At $176,358, homes in Union City cost 57% 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
$35,272
on $176,358
Monthly P&I
$920/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,168/mo
incl. taxes & insurance
Income Needed
$46,720
gross annual (30% rule)
10% Down Option
$17,636
+ PMI applies
Loan Amount (20% dn)
$141,086
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, MI?
The median home value in Union City is $176,358 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.7% year-over-year.
How much have home prices changed in Union City?
Over the past year, home values in Union City have increased by 5.7%. Over five years, prices have risen approximately 12.2%.
How much do I need to earn to buy a home in Union City?
To comfortably afford the median home price of $176,358 with a 20% down payment ($35,272) at today's rates (6.8%), you'd need a gross annual income of approximately $46,720. 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 $176,358, homes in Union City are 57% below the national average.
What metro area is Union City part of?
Union City is part of the Coldwater, MI metropolitan area. Home prices and market conditions can vary across the broader metro region.