Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$150,664+0.2% YoY · prices are flat
Market right nowBalanced, leaning buyersMore homes for sale than last year, 11% have cut their price
Income needed to buy, per year$32,661About 0.6× the local median income ($58,887): affordable for a typical household
Days on market73 daysSlower than a year ago: buyers have time to negotiate
The typical home in Union County, IL is worth $150,664, about the same as a year ago. That is slightly below what local incomes have historically supported: fair value is about $163,395, so the area is 7.8% undervalued. It is a balanced market, leaning toward buyers: homes take about 73 days to sell, listings are up 12% from a year ago, 11% of listings have had a price cut. A household needs about $32,661 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 $58,887. In the latest IRS figures, 39 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
$150,664
Change in 1 year
+0.2%
Overvalued %
−7.8%
Show 6 more
Fair home value
$163,395
Change in 5 years
+10.9%
Home value to income
2.6×
Monthly mortgage payment (20% down)
$817
Income needed to afford it
$32,661
Property tax rate
1.30%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$930
Market activity
Listings vs a year ago
+11.6%
Days on market
73
Listings with a price cut
10.7%
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Homes for sale
48
Pending sales per 100 listings
35
Asking price per sq ft
$109
People and jobs
Median household income
$58,887
Population change (1 year)
−1.1%
Unemployment rate
3.9%
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Population
16,656
Income adjusted for cost of living
$67,376
Net moves in (IRS)
+39
Cost of living (US = 100)
87.4
Schools, risk and environment
School rating (1 to 10)
5.2
FEMA hazard risk score (0 to 100)
55.4
Flood risk score
38.9
Show 3 more
Wildfire risk score
9.2
Walkability (1 to 20)
5.4
Road, rail and air noise
52 dB
Questions people ask
Is Union County, IL overvalued?
Home prices in Union County, IL are slightly below what local incomes have historically supported: fair value is about $163,395, so the area is 7.8% undervalued.
Is Union County, IL a buyer's or seller's market?
Union County, IL is a balanced market, leaning toward buyers: homes take about 73 days to sell, listings are up 12% from a year ago, 11% of listings have had a price cut.
Are home prices going down in Union County, IL?
Home values in Union County, IL are up 0.2% over the last year.
How much do you need to earn to buy a home in Union County, IL?
A household needs about $32,661 a year to afford the typical home in Union County, IL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $58,887.