Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$256,560+0.5% YoY · prices are flat
Market right nowBuyer's marketMore homes for sale than last year, 24% have cut their price
Income needed to buy, per year$55,617About 0.9× the local median income ($63,669): affordable for a typical household
Days on market64 daysFaster than a year ago: sellers have the edge
The typical home in Union County, FL is worth $256,560, up 0.5% from a year ago. That is well above what local incomes have historically supported: fair value is about $215,826, so the area is 18.9% overvalued. It is a buyer's market: homes take about 64 days to sell, listings are up 60% from a year ago, 24% of listings have had a price cut. A household needs about $55,617 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $63,669. In the latest IRS figures, 68 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$256,560
Change in 1 year
+0.5%
Overvalued %
+18.9%
Show 6 more
Fair home value
$215,826
Change in 5 years
+43.8%
Home value to income
4.0×
Monthly mortgage payment (20% down)
$1,390
Income needed to afford it
$55,617
Property tax rate
0.58%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,019
Market activity
Listings vs a year ago
+60.0%
Days on market
64
Listings with a price cut
24.2%
Show 3 more
Homes for sale
24
Pending sales per 100 listings
21
Asking price per sq ft
$203
People and jobs
Median household income
$63,669
Population change (1 year)
+3.1%
Unemployment rate
4.8%
Show 4 more
Population
16,250
Income adjusted for cost of living
$67,733
Net moves in (IRS)
+68
Cost of living (US = 100)
94.0
Schools, risk and environment
School rating (1 to 10)
6.1
FEMA hazard risk score (0 to 100)
10.9
Flood risk score
11.1
Show 3 more
Wildfire risk score
73.9
Walkability (1 to 20)
4.7
Road, rail and air noise
53 dB
Questions people ask
Is Union County, FL overvalued?
Home prices in Union County, FL are well above what local incomes have historically supported: fair value is about $215,826, so the area is 18.9% overvalued.
Is Union County, FL a buyer's or seller's market?
Union County, FL is a buyer's market: homes take about 64 days to sell, listings are up 60% from a year ago, 24% of listings have had a price cut.
Are home prices going down in Union County, FL?
Home values in Union County, FL are up 0.5% over the last year.
How much do you need to earn to buy a home in Union County, FL?
A household needs about $55,617 a year to afford the typical home in Union County, FL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $63,669.