Union County, Florida home prices
Typical home $256,560 · +0.5% in a year · property tax 0.58%
The typical home in Union County is worth $256,560, 32% less than the Florida typical home ($375,361). Values changed +0.5% in the past year and +43.8% over five years. Homeowners here pay a median 0.58% of their home's value in property tax each year ($1,483 on the typical home), versus 0.8% statewide.
Mortgage on the typical Union County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $51,312 | $205,248 | $1,381 | $0 | $252 | $1,633 | $70,000 |
| 10% down | $25,656 | $230,904 | $1,553 | $96 | $252 | $1,901 | $81,500 |
| 5% down | $12,828 | $243,732 | $1,640 | $102 | $252 | $1,993 | $85,400 |
| 3.5% down (FHA) | $8,980 | $251,913 | $1,695 | $113 | $252 | $2,060 | $88,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.58% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Florida.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Glades County | $257,042 | -2.8% | 0.85% |
| Bradford County | $252,646 | +4.0% | 0.55% |
| Lafayette County | $262,301 | +4.9% | 0.55% |
| De Soto County | $250,420 | +0.4% | 0.83% |
| Suwannee County | $266,652 | +2.5% | 0.71% |
| Columbia County | $267,659 | -0.0% | 0.74% |
| Marion County | $267,911 | -2.2% | 0.74% |
| Citrus County | $268,688 | -0.8% | 0.58% |
| Hendry County | $270,219 | -4.1% | 0.8% |
| Hardee County | $235,001 | +1.3% | 0.82% |
Frequently asked questions
What is the average home price in Union County, FL?
The typical home value in Union County is $256,560 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Union County?
About $70,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Union County?
The median effective rate is 0.58% of home value a year (Census ACS 2024 5-year estimates).