Market Overview
Home Prices in Union Beach, NJ
The median home value in Union Beach, NJ is $548,765 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.1% compared to a year ago and up 5.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Union Beach are priced34% above average. Union Beach is part of the New York-Newark-Jersey City, NY-NJ-PA metro area.
Over the past five years, Union Beach home values have risen by approximately36.6%, reflecting strong long-term appreciation in this market.
Price History
Union Beach Home Price Trend
City Comparison
Union Beach vs. National Median
At $548,765, homes in Union Beach cost 34% above the national median of $410,000. Buyers in Union Beach should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Union Beach?
20% Down Payment
$109,753
on $548,765
Monthly P&I
$2,862/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,635/mo
incl. taxes & insurance
Income Needed
$145,400
gross annual (30% rule)
10% Down Option
$54,877
+ PMI applies
Loan Amount (20% dn)
$439,012
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 Beach, NJ?
The median home value in Union Beach is $548,765 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.1% year-over-year.
How much have home prices changed in Union Beach?
Over the past year, home values in Union Beach have increased by 4.1%. Over five years, prices have risen approximately 36.6%.
How much do I need to earn to buy a home in Union Beach?
To comfortably afford the median home price of $548,765 with a 20% down payment ($109,753) at today's rates (6.8%), you'd need a gross annual income of approximately $145,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Union Beach compare to the national average home price?
The national median home value is approximately $410,000. At $548,765, homes in Union Beach are 34% above the national average.
What metro area is Union Beach part of?
Union Beach is part of the New York-Newark-Jersey City, NY-NJ-PA metropolitan area. Home prices and market conditions can vary across the broader metro region.