Union County, Kentucky home prices
Typical home $142,962 · +2.2% in a year · property tax 0.89%
The typical home in Union County is worth $142,962, 38% less than the Kentucky typical home ($230,909). Values changed +2.2% in the past year and +29.6% over five years. Homeowners here pay a median 0.89% of their home's value in property tax each year ($1,268 on the typical home), versus 0.72% 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 | $28,592 | $114,370 | $769 | $0 | $177 | $947 | $40,600 |
| 10% down | $14,296 | $128,666 | $866 | $54 | $177 | $1,096 | $47,000 |
| 5% down | $7,148 | $135,814 | $914 | $57 | $177 | $1,147 | $49,200 |
| 3.5% down (FHA) | $5,004 | $140,373 | $944 | $63 | $177 | $1,185 | $50,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.89% 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 Kentucky.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hopkins County | $142,899 | -9.0% | 0.77% |
| Rockcastle County | $141,697 | -11.3% | 0.48% |
| Ohio County | $144,841 | -5.7% | 0.62% |
| Whitley County | $140,626 | -10.7% | 0.64% |
| Carlisle County | $145,507 | +0.2% | 0.78% |
| Lawrence County | $145,613 | -1.2% | 0.71% |
| Powell County | $145,749 | -8.1% | 0.62% |
| Clinton County | $146,215 | -10.3% | 0.52% |
| Monroe County | $147,639 | +5.2% | 0.77% |
| Johnson County | $137,636 | -6.0% | 0.66% |
Frequently asked questions
What is the average home price in Union County, KY?
The typical home value in Union County is $142,962 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Union County?
About $40,600 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 0.89% of home value a year (Census ACS 2024 5-year estimates).