Union City, TN home prices
Typical home $166,886 · +7.4% in a year · income needed $45,100
The Union City, TN metro area ranks 771 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +7.4% in a year and +34.3% over five years. With 20% down at 7.11%, the typical home costs about $1,053 a month including 0.52% property tax (Obion County rate).
Mortgage on the typical Union City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $33,377 | $133,509 | $898 | $0 | $155 | $1,053 | $45,100 |
| 10% down | $16,689 | $150,197 | $1,010 | $63 | $155 | $1,228 | $52,600 |
| 5% down | $8,344 | $158,542 | $1,067 | $66 | $155 | $1,288 | $55,200 |
| 3.5% down (FHA) | $5,841 | $163,863 | $1,102 | $74 | $155 | $1,331 | $57,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.52% 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.
Counties in the Union City area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Obion County, TN | $166,805 | +7.4% | 0.52% |
What can you afford in Tennessee on your salary? · Tennessee home prices · Salaries in Tennessee
Frequently asked questions
How much is a house in Union City?
The typical home in the Union City, TN metro area is worth $166,886 (Zillow, September 2026).
What salary do you need to buy a house in Union City?
About $45,100 a year for the typical home with 20% down at 7.11%.