Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$142,962+2.2% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 17% have cut their price
Income needed to buy, per year$30,991About 0.5× the local median income ($61,745): affordable for a typical household
Days on market65 daysAbout the same pace as a year ago
The typical home in Union County, KY is worth $142,962, up 2.2% from a year ago. That is well above what local incomes have historically supported: fair value is about $124,006, so the area is 15.3% overvalued. It is a balanced market, leaning toward buyers: homes take about 65 days to sell, listings are up 45% from a year ago, 17% of listings have had a price cut. A household needs about $30,991 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 $61,745. In the latest IRS figures, 54 more people moved out than in.
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
$142,962
Change in 1 year
+2.2%
Overvalued %
+15.3%
Show 6 more
Fair home value
$124,006
Change in 5 years
+29.6%
Home value to income
2.3×
Monthly mortgage payment (20% down)
$775
Income needed to afford it
$30,991
Property tax rate
0.89%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$971
Market activity
Listings vs a year ago
+45.0%
Days on market
65
Listings with a price cut
16.7%
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Homes for sale
29
Pending sales per 100 listings
38
Asking price per sq ft
$110
People and jobs
Median household income
$61,745
Population change (1 year)
−2.2%
Unemployment rate
2.7%
Show 4 more
Population
12,839
Income adjusted for cost of living
$72,386
Net moves in (IRS)
−54
Cost of living (US = 100)
85.3
Schools, risk and environment
School rating (1 to 10)
3.9
FEMA hazard risk score (0 to 100)
42.8
Flood risk score
36.0
Show 3 more
Wildfire risk score
5.6
Walkability (1 to 20)
5.8
Road, rail and air noise
54 dB
Questions people ask
Is Union County, KY overvalued?
Home prices in Union County, KY are well above what local incomes have historically supported: fair value is about $124,006, so the area is 15.3% overvalued.
Is Union County, KY a buyer's or seller's market?
Union County, KY is a balanced market, leaning toward buyers: homes take about 65 days to sell, listings are up 45% from a year ago, 17% of listings have had a price cut.
Are home prices going down in Union County, KY?
Home values in Union County, KY are up 2.2% over the last year.
How much do you need to earn to buy a home in Union County, KY?
A household needs about $30,991 a year to afford the typical home in Union County, KY at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $61,745.