Union County, Tennessee home prices
Typical home $291,876 · +2.4% in a year · property tax 0.37%
The typical home in Union County is worth $291,876, 12% less than the Tennessee typical home ($330,844). Values changed +2.4% in the past year and +36.4% over five years. Homeowners here pay a median 0.37% of their home's value in property tax each year ($1,076 on the typical home), versus 0.46% 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 | $58,375 | $233,501 | $1,571 | $0 | $236 | $1,806 | $77,400 |
| 10% down | $29,188 | $262,688 | $1,767 | $109 | $236 | $2,112 | $90,500 |
| 5% down | $14,594 | $277,282 | $1,865 | $116 | $236 | $2,216 | $95,000 |
| 3.5% down (FHA) | $10,216 | $286,589 | $1,928 | $129 | $236 | $2,293 | $98,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.37% 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 Tennessee · part of the Knoxville metro area.
Tennessee counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Roane County | $296,784 | +4.5% | 0.53% |
| Monroe County | $286,339 | +5.2% | 0.41% |
| Dekalb County | $298,340 | +2.1% | 0.35% |
| Meigs County | $299,889 | +6.0% | 0.39% |
| Sequatchie County | $281,765 | +2.9% | 0.45% |
| Grainger County | $280,819 | +5.9% | 0.48% |
| Washington County | $305,353 | +1.9% | 0.52% |
| Cumberland County | $306,289 | +0.8% | 0.29% |
| Smith County | $307,229 | +4.7% | 0.47% |
| White County | $276,288 | +6.0% | 0.4% |
Frequently asked questions
What is the average home price in Union County, TN?
The typical home value in Union County is $291,876 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Union County?
About $77,400 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 0.37% of home value a year (Census ACS 2024 5-year estimates).