Union County, Iowa home prices
Typical home $161,122 · +3.6% in a year · property tax 1.8%
The typical home in Union County is worth $161,122, 32% less than the Iowa typical home ($236,623). Values changed +3.6% in the past year and +27.1% over five years. Homeowners here pay a median 1.8% of their home's value in property tax each year ($2,902 on the typical home), versus 1.27% 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 | $32,224 | $128,898 | $867 | $0 | $322 | $1,189 | $51,000 |
| 10% down | $16,112 | $145,010 | $975 | $60 | $322 | $1,358 | $58,200 |
| 5% down | $8,056 | $153,066 | $1,030 | $64 | $322 | $1,416 | $60,700 |
| 3.5% down (FHA) | $5,639 | $158,204 | $1,064 | $71 | $322 | $1,458 | $62,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.8% 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 Iowa.
Iowa counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Monona County | $160,962 | +2.3% | 1.03% |
| Humboldt County | $161,998 | +4.5% | 1.29% |
| Floyd County | $162,346 | +7.9% | 1.34% |
| Audubon County | $159,348 | +7.2% | 1.34% |
| Cherokee County | $158,629 | +0.7% | 0.99% |
| Adams County | $158,274 | -0.6% | 1.26% |
| Cass County | $164,193 | +4.8% | 1.34% |
| Winnebago County | $156,421 | +7.1% | 1.32% |
| Fayette County | $156,403 | +4.3% | 1.3% |
| Emmet County | $156,199 | +11.5% | 1.47% |
Frequently asked questions
What is the average home price in Union County, IA?
The typical home value in Union County is $161,122 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Union County?
About $51,000 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 1.8% of home value a year (Census ACS 2024 5-year estimates).