Union County, Indiana home prices
Typical home $197,144 · +10.2% in a year · property tax 0.64%
The typical home in Union County is worth $197,144, 23% less than the Indiana typical home ($257,165). Values changed +10.2% in the past year and +29.1% over five years. Homeowners here pay a median 0.64% of their home's value in property tax each year ($1,268 on the typical home), versus 0.74% 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 | $39,429 | $157,715 | $1,061 | $0 | $204 | $1,265 | $54,200 |
| 10% down | $19,714 | $177,430 | $1,194 | $74 | $204 | $1,472 | $63,100 |
| 5% down | $9,857 | $187,287 | $1,260 | $78 | $204 | $1,542 | $66,100 |
| 3.5% down (FHA) | $6,900 | $193,573 | $1,302 | $87 | $204 | $1,594 | $68,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.64% 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 Indiana · part of the Cincinnati metro area.
Indiana counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Greene County | $196,235 | +5.1% | 0.58% |
| Scott County | $198,374 | +0.8% | 0.65% |
| Martin County | $200,997 | +2.3% | 0.54% |
| Fountain County | $191,904 | +4.4% | 0.59% |
| Vanderburgh County | $202,409 | +4.4% | 0.8% |
| Benton County | $203,022 | +3.5% | 0.77% |
| Wabash County | $191,091 | +4.8% | 0.52% |
| Howard County | $190,881 | +4.4% | 0.72% |
| Pulaski County | $190,877 | +7.4% | 0.45% |
| Henry County | $190,219 | +2.6% | 0.73% |
Frequently asked questions
What is the average home price in Union County, IN?
The typical home value in Union County is $197,144 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Union County?
About $54,200 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 0.64% of home value a year (Census ACS 2024 5-year estimates).