Union County, Illinois home prices
Typical home $150,664 · +0.2% in a year · property tax 1.3%
The typical home in Union County is worth $150,664, 49% less than the Illinois typical home ($295,943). Values changed +0.2% in the past year and +10.9% over five years. Homeowners here pay a median 1.3% of their home's value in property tax each year ($1,959 on the typical home), versus 1.92% 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 | $30,133 | $120,531 | $811 | $0 | $239 | $1,049 | $45,000 |
| 10% down | $15,066 | $135,597 | $912 | $56 | $239 | $1,207 | $51,700 |
| 5% down | $7,533 | $143,130 | $963 | $60 | $239 | $1,261 | $54,000 |
| 3.5% down (FHA) | $5,273 | $147,935 | $995 | $67 | $239 | $1,300 | $55,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.3% 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 Illinois.
Illinois counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Clark County | $151,351 | +10.6% | 1.56% |
| Randolph County | $151,574 | +6.6% | 1.43% |
| Jefferson County | $147,115 | +8.4% | 1.7% |
| Whiteside County | $146,857 | +3.5% | 2.04% |
| Fayette County | $154,533 | +3.1% | 1.45% |
| Bureau County | $155,598 | +6.5% | 2.01% |
| Coles County | $145,077 | +5.4% | 1.94% |
| Rock Island County | $156,822 | +3.9% | 2.28% |
| Macoupin County | $144,350 | +2.3% | 1.5% |
| Ford County | $157,181 | +3.3% | 2.12% |
Frequently asked questions
What is the average home price in Union County, IL?
The typical home value in Union County is $150,664 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Union County?
About $45,000 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 1.3% of home value a year (Census ACS 2024 5-year estimates).