In Union Park, a typical home is worth $324,800 and typical rent is $1,473 a month. Compared with all of Orange County, typical rent is 17% lower and the typical home value is 17% lower.
Union Park is in Orange County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Orange County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical rent in Union Park is $1,473 a month, 17% less than in Orange County as a whole ($1,775).
2
The typical home in Union Park is worth $324,800,17% less than in Orange County as a whole ($390,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Union Park
What homes there are in Union Park, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Union Park
Orange County
Florida
United States
Kind of home: Union Park and its comparisons
Measure
Union Park
Orange County
Florida
United States
Detached house
70%
54%
55%
61%
Attached house
Unreliable estimate
8%
7%
6%
Building of 2 to 4
Unreliable estimate
5%
6%
8%
Apartments (5 or more)
Unreliable estimate
30%
25%
19%
Mobile home
Unreliable estimate
3%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Union Park: 70% of homes, more than in Orange County (54%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Union Park
Orange County
Florida
United States
Year built: Union Park and its comparisons
Measure
Union Park
Orange County
Florida
United States
Before 1960
Unreliable estimate
9%
10%
26%
1960–1979
38%
17%
24%
24%
1980–1999
43%
34%
34%
25%
2000–2009
14%
21%
18%
14%
2010 or later
Unreliable estimate
19%
14%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K29%
$300K–$500K53%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Union Park and its comparisons
Measure
Union Park
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
29%
$300K–$500K
53%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49953%
$1,500–$1,99936%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Union Park and its comparisons
Measure
Union Park
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
53%
$1,500–$1,999
36%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,690 a month
Orange County: $2,055 a month
Without a mortgage
$495 a month
Orange County: $695 a month
Owners with a mortgage
66%
Orange County: 67%
Owning costs less in Union Park: with a mortgage, the typical cost is $1,690 a month; in Orange County, $2,055. Without one, $495.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Union Park+83%
Orange County+65%
Florida+67%
United States+53%
Typical rent
Union Park+24%
Orange County+46%
Florida+42%
United States+33%
Typical household income
Union ParkNo clear change
Orange County+37%
Florida+34%
United States+29%
Change since 2015–2019: Union Park and its comparisons
Measure
Union Park
Orange County
Florida
United States
Typical home value
+83%
+65%
+67%
+53%
Typical rent
+24%
+46%
+42%
+33%
Typical household income
No clear change
+37%
+34%
+29%
The typical home value in Union Park rose 83% since 2015–2019, more than in Orange County (65%).
The typical rent in Union Park rose 24% over the same time; in Orange County, it rose 46%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Union Park and its comparisons
Measure
Union Park
Orange County
Florida
United States
Rental vacancy
Unreliable estimate
9.3%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
2.4%
1.4%
0.9%
More than one person per room
Unreliable estimate
3.7%
3.3%
3.4%
People per household
2.92
2.72
2.51
2.53
Drive alone
72%
68%
70%
69%
Carpool
10%
9%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
16%
18%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Union Park are bigger: 2.92 people on average; in Orange County, 2.72.
To get to work, 72% of workers in Union Park drive alone; in Orange County, 68%.
Do the math
What would you pay each month for a home in Union Park?
A typical home costs more than the typical income allows
We start with a typical home in Union Park, worth $324,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Union Park, which is $70,000 a year. For that payment to be 28% of income, a household would need to earn about $111,276 a year.
The calculator's FHA and conventional loan limits are those of all of Orange County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Union Park. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $11,368 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,596
at 7.18% · 30 years
Loan amount
$318,917
Total interest
$458,847
Paid off in
November 2056
Includes $5,485 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,633 a month
Tight
$1,633 to $2,100 a month
Hard
more than $2,100 a month
Your payment · 45%
Compared with the typical household income in Union Park ($70,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,160
Property tax
$157
Home insurance
$135
FHA mortgage insurance (MIP)
$144
You need at least $11,368 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,596; principal and interest $2,160.
The city and its county
Union Park and Orange County
Union Park is in Orange County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Union Park
Map of Orange County, Florida, with Union Park marked. Around it, the neighboring counties.
Union Park
Orange County
Other cities with a page
Union Park's own numbers
Typical home value
$324,800
Typical monthly rent
$1,473
Typical yearly household income
$70,000
Households that own their home
61%
Effective property tax rate
0.58%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Orange County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,959
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
2.3%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Orange County.
A typical home in Union Park is worth $324,800: 17% below the county and 10% below Florida. With the typical household income in Union Park ($70,000 a year), a typical home costs 4.6 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Union Park4.6 years
Orange4.9 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Orange County
According to FHFA’s house price index, home prices in Orange County rose 122% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Orange County.
Yearly change in FHFA’s price index in Orange County, 2016 to 2025
2016: +8.9% +8.9% 2016
2017: +9.0% +9.0% 2017
2018: +9.0% +9.0% 2018
2019: +5.7% +5.7% 2019
2020: +4.1% +4.1% 2020
2021: +12.7% +12.7% 2021
2022: +20.1% +20.1% 2022
2023: +8.5% +8.5% 2023
2024: +5.6% +5.6% 2024
2025: +0.8% +0.8% 2025
Change in FHFA’s price index in Orange County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
+0.8%
−0.5%
+2.9%
5 years (2020–2025)
+56%
+60%
+47%
10 years (2015–2025)
+122%
+127%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Union Park next to Orange County, Florida and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Union Park$324,800
Orange$390,100
Florida$359,000
United States$332,700
Typical monthly rent
Union Park$1,473
Orange$1,775
Florida$1,669
United States$1,413
Typical yearly household income
Union Park$70,000
Orange$79,719
Florida$74,568
United States$80,734
See the full table
Union Park next to Orange County and Florida
Measure
Union Park
Orange County
Florida
U.S.
Typical home value
$324,800 ▼17% below the county
$390,100
$359,000
$332,700
Typical monthly rent
$1,473 ▼17% below the county
$1,775
$1,669
$1,413
Typical yearly household income
$70,000 ▼12% below the county
$79,719
$74,568
$80,734
Households that own their home
61% ▲4 points above the county
57%
68%
65%
Typical yearly property tax
$1,870 ▼37% below the county
$2,967
$2,730
$3,119
Effective property tax rate
0.58% ▼0.18 points below the county
0.76%
0.76%
0.94%
Renters with high rent for their income
54% ▼5 points below the county
59%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Orange County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Union Park
For a typical $324,800 home in Union Park, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Union Park's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,596a month
Least cash to close
Down payment
$11,368
Cash to close
$21,112
Rate
7.18%
Mortgage insurance
FHA MIP · $144
Conventional, 5% down$2,537a month
Down payment
$16,240
Cash to close
$25,984
Rate
7.18%
Mortgage insurance
PMI · $154
Conventional, 20% down, no PMI$2,053a month
Down payment
$64,960
Cash to close
$74,704
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,353a month
Down payment
$48,720
Cash to close
$58,464
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Union Park
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,596
$11,368
$318,917
7.18%
FHA MIP · $144
$21,112
580
Conventional, 5% down
$2,537
$16,240
$308,560
7.18%
PMI · $154
$25,984
620*
Conventional, 20% down, no PMI
$2,053
$64,960
$259,840
7.18%
None
$74,704
620*
ITIN, 15% down (example)
$2,353
$48,720
$276,080
8.18%
None
$58,464
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Union Park is $1,473 a month: 17% below the county. In Union Park, 54% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Orange County, by unit size. To pay the 2-bedroom one ($1,959 a month) without spending more than 30% of your income, you would need to earn $37.67 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Orange County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,658
$31.88
$66,320
1 bedroom
$1,726
$33.19
$69,040
2 bedrooms
$1,959
$37.67
$78,360
3 bedrooms
$2,445
$47.02
$97,800
4 bedrooms
$2,856
$54.92
$114,240
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Union Park
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Union Park has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,030 in 32817 to $2,070 in 32825.
2 of the 2 are above the fair market rent for Orange County ($1,959).
Fair market rent by ZIP code and size in Union Park, fiscal year 2027.
32817
$1,720
$1,790
$2,030
$2,530
$2,960
32825
$1,750
$1,820
$2,070
$2,580
$3,020
ZIP code2 bd3 bd
32817 $2,030$2,530
32825 $2,070$2,580
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Union Park when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 10 HUD-approved agencies with an office in Orange County; 7 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Union Park or Orange County. The ones below are statewide in Florida: they work in Union Park the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
No legal help resource on our list is for Union Park or Orange County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Union Park and all of Orange County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Union Park?
The typical home value in Union Park is $324,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Orange County it is $390,100.
How much does it cost to rent in Union Park?
Typical rent in Union Park is $1,473 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Orange County is $1,959.
What is the FHA loan limit in Union Park?
Union Park uses the FHA limit for all of Orange County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Union Park?
The typical homeowner in Union Park pays $1,870 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Orange County, the rate is 0.76%.
Where can I find free help to buy or rent in Union Park?
There are 10 HUD-approved counseling agencies with an office in Orange County. 7 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
