Union County, North Carolina home prices
Typical home $444,831 · -0.7% in a year · property tax 0.57%
The typical home in Union County is worth $444,831, 34% more than the North Carolina typical home ($332,159). Values changed -0.7% in the past year and +22.0% over five years. Homeowners here pay a median 0.57% of their home's value in property tax each year ($2,554 on the typical home), versus 0.64% 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 | $88,966 | $355,865 | $2,394 | $0 | $435 | $2,829 | $121,300 |
| 10% down | $44,483 | $400,348 | $2,693 | $167 | $435 | $3,295 | $141,200 |
| 5% down | $22,242 | $422,589 | $2,843 | $176 | $435 | $3,454 | $148,000 |
| 3.5% down (FHA) | $15,569 | $436,774 | $2,938 | $197 | $435 | $3,570 | $153,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.57% 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 North Carolina · part of the Charlotte metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| New Hanover County | $445,851 | +0.7% | 0.54% |
| Jackson County | $447,841 | -0.3% | 0.34% |
| Buncombe County | $440,368 | -4.4% | 0.57% |
| Pender County | $435,927 | +0.7% | 0.63% |
| Transylvania County | $462,178 | -2.0% | 0.45% |
| Henderson County | $422,515 | -1.7% | 0.52% |
| Carteret County | $469,750 | +3.0% | 0.43% |
| Wake County | $471,020 | -1.7% | 0.71% |
| Mecklenburg County | $414,531 | -0.9% | 0.71% |
| Moore County | $410,202 | +0.9% | 0.53% |
Frequently asked questions
What is the average home price in Union County, NC?
The typical home value in Union County is $444,831 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Union County?
About $121,300 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 0.57% of home value a year (Census ACS 2024 5-year estimates).