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City · 27,728 residents · Fulton County, Georgia

Union City , Georgia

In Union City, a typical home is worth $245,600 and typical rent is $1,330 a month. Compared with all of Fulton County, typical household income is 48% lower, the typical home value is 46% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $245,600

    46% below the county

    19% below Georgia

    • Union City
    • Fulton
    • Georgia

  • Typical rent

    $1,330a month

    23% below the county

    5% below Georgia

    • Union City
    • Fulton
    • Georgia

  • Typical household income

    $49,549a year

    48% below the county

    36% below Georgia

    • Union City
    • Fulton
    • Georgia

  • Households that own their home

    40%

    14 points below the county

    25 points below Georgia

    • Union City
    • Fulton
    • Georgia

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$230,898
3.7% less than 12 months ago
Typical rent
$1,870 a month
3.6% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Union City is in Fulton County. The FHA loan limit ($718,750 for a one-unit home), the fair market rents and the help on this page are those of all of Fulton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Union City apart

What this place has that others do not, from public data, most unusual first.

  1. The typical household income in Union City is $49,549, 48% less than in Fulton County as a whole ($95,292).

  2. The typical home in Union City is worth $245,600, 46% less than in Fulton County as a whole ($458,800).

  3. 40% of households in Union City own their home, against 54% in Fulton County.

  4. The typical rent in Union City is $1,330 a month, 23% less than in Fulton County as a whole ($1,732).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Union City fell 3.7%; in Georgia, it fell 0.6%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Union City

What homes there are in Union City, 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

In Union City there is a bit of everything: no kind of home reaches half. The most common are detached houses (44%), as in Fulton County.

Year built

Here half of the homes date from 2002 or later; in Fulton County, from 1993 or later.

In Union City, 55% of homes have 3 bedrooms or more, more than in Fulton County (51%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

With an FHA limit of $718,750, at least 97% of owner-occupied homes in Union City sit below it: they are worth less than $500,000.

Monthly rent with utilities

About 77% of rented homes in Union City cost less than HUD's 2-bedroom fair market rent for Fulton County ($1,762).

With a mortgage

$1,591 a month

Fulton County: $2,373 a month

Without a mortgage

$476 a month

Fulton County: $831 a month

Owners with a mortgage

73%

Fulton County: 72%

Owning costs less in Union City: with a mortgage, the typical cost is $1,591 a month; in Fulton County, $2,373. Without one, $476.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Union City gained value faster than in Fulton County: 86% against 46%.

The typical rent in Union City rose 38% over the same time; in Fulton County, it rose 44%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureUnion CityFulton CountyGeorgiaUnited States
Rental vacancy 6.2%7.9%6.8%5.5%
Homeowner vacancy Unreliable estimate1.3%1.1%0.9%
More than one person per room Unreliable estimate2.1%2.4%3.4%
People per household 2.472.262.622.53
Drive alone 71%57%71%69%
Carpool 6%6%9%9%
Public transit Unreliable estimate4%1%3%
Walk or bike Unreliable estimate3%1%3%
Work from home 14%29%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is little rental housing open in Union City: only 6.2% is empty and offered for rent, against 7.9% in Fulton County.

Households in Union City are bigger: 2.47 people on average; in Fulton County, 2.26.

To get to work, 71% of workers in Union City drive alone; in Fulton County, 57%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Union City?

A typical home costs more than the typical income allows

We start with a typical home in Union City, worth $245,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Union City, which is $49,549 a year. For that payment to be 28% of income, a household would need to earn about $86,159 a year.

The calculator's FHA and conventional loan limits are those of all of Fulton County.

Your numbers

Local data
$

Starts at the typical home value in Union City. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,596 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,010

at 7.18% · 30 years

Loan amount
$241,152
Total interest
$346,961
Paid off in
November 2056

Includes $4,148 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,156 a month

  • Tight

    $1,156 to $1,486 a month

  • Hard

    more than $1,486 a month

    Your payment · 49%

Compared with the typical household income in Union City ($49,549 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,010
Principal & interest$1,634
Property tax$166
Home insurance$102
FHA mortgage insurance (MIP)$109

You need at least $8,596 for the down payment, plus closing costs.

Next step

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.

The city and its county

Union City and Fulton County

Union City is in Fulton County, Georgia. 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 City's own numbers

Typical home value
$245,600
Typical monthly rent
$1,330
Typical yearly household income
$49,549
Households that own their home
40%
Effective property tax rate
0.81%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Fulton County

FHA limit, one-unit home
$718,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,762
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
0.9%

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 Fulton County.

Everything about Fulton County

Buying

Buying a home in Union City

A typical home in Union City is worth $245,600: 46% below the county and 19% below Georgia. With the typical household income in Union City ($49,549 a year), a typical home costs 5.0 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 City 5.0 years
  • Fulton 4.8 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Fulton County

According to FHFA’s house price index, home prices in Fulton County rose 98% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Fulton County.

Period County Georgia U.S.
Last year (2025) +1.2% +2.2% +2.9%
5 years (2020–2025) +46% +58% +47%
10 years (2015–2025) +98% +110% +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 City next to Fulton County, Georgia and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Union City $245,600
  • Fulton $458,800
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Union City $1,330
  • Fulton $1,732
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Union City $49,549
  • Fulton $95,292
  • Georgia $77,353
  • United States $80,734
See the full table
Union City next to Fulton County and Georgia
Measure Union City Fulton County Georgia U.S.
Typical home value $245,600 $458,800 $303,300 $332,700
Typical monthly rent $1,330 $1,732 $1,393 $1,413
Typical yearly household income $49,549 $95,292 $77,353 $80,734
Households that own their home 40% 54% 66% 65%
Typical yearly property tax $1,996 $4,033 $2,341 $3,119
Effective property tax rate 0.81% 0.88% 0.77% 0.94%
Renters with high rent for their income 56% 51% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fulton 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 City

For a typical $245,600 home in Union City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Union City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,010a month

    Least cash to close
    Down payment
    $8,596
    Cash to close
    $15,964
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $109

  • Conventional, 5% down $1,965a month

    Down payment
    $12,280
    Cash to close
    $19,648
    Rate
    7.18%
    Mortgage insurance
    PMI · $117

  • Conventional, 20% down, no PMI $1,599a month

    Down payment
    $49,120
    Cash to close
    $56,488
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,826a month

    Down payment
    $36,840
    Cash to close
    $44,208
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Union City and for Fulton County.

Property tax

Effective rate in Union City

0.81%of the home’s value each year

$1,996 a year for the typical owner in Union City.

  • Union City 0.81%
  • Fulton 0.88%
  • Georgia 0.77%

What Georgia publishes Standard state homestead exemption (Georgia Department of Revenue)

Exemptions and deadlines in Georgia

Flood risk in Fulton County

FEMA does not publish these numbers by city: they are for all of Fulton County.

Homes in the high-risk zone
0.9%
2,562
Of those, with NFIP insurance
40%
County Georgia U.S.
Homes in the high-risk zone 0.9% 2% 3.5%
Of those, with NFIP insurance 40% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Union City

Typical rent in Union City is $1,330 a month: 23% below the county. In Union City, 56% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Fulton County, by unit size. To pay the 2-bedroom one ($1,762 a month) without spending more than 30% of your income, you would need to earn $33.88 an hour working full time.

HUD fair market rent for all of Fulton County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,554 $29.88 $62,160
1 bedroom $1,619 $31.13 $64,760
2 bedrooms $1,762 $33.88 $70,480
3 bedrooms $2,099 $40.37 $83,960
4 bedrooms $2,493 $47.94 $99,720

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 City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Union City has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,440 in 30291 to $1,880 in 30213.

1 of the 3 is above the fair market rent for Fulton County ($1,762).

  • 30213 $1,880$2,240
  • 30291 $1,440$1,720
  • 30349 $1,500$1,790

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Union City 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Union City

HUD lists 8 buildings with rents for lower incomes in Union City. These are the largest.

  • Shannon Lake 6770 Buffington Rd, Union City 30291 287 low-income homes · In service since 1996
  • CC/Larry Moore Manor 7340 Lester Rd, Union City 30291 110 low-income homes · For older adults (770) 964-3301
  • Maplewood Park 6355 Oakley Rd, Union City 30291 110 low-income homes · In service since 1995
  • CC/Sparks Manor 7290 Lester Rd, Union City 30291 85 low-income homes · For older adults (770) 964-3301
  • CC Estates/ Miller Manor 7601 Lester Rd, Union City 30291 76 low-income homes · For older adults

See all 346 buildings in Fulton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Union City

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 Fulton County; 1 says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Union City

No down payment, repair or rent-help program on our list is for Union City or Fulton County. The ones below are statewide in Georgia: they work in Union City the same as in the rest of the state.

Which programs do I qualify for? All programs in Georgia

  • Georgia Dream Homeownership Program

    Statewide in Georgia

    Georgia state program for first-time buyers: a mortgage with down payment assistance of up to 5% of the price or $10,000, as a 0% second mortgage with no monthly payments. Offered by Georgia Department of Community Affairs.

    Deferred

    See the program Official page

  • Georgia Dream Peach Plus Loan Program

    Statewide in Georgia

    FHA or VA mortgage from the Georgia Dream program with down payment assistance of 3.5% of the price (up to $10,000), or 4% (up to $12,500) for police officers, educators, health care workers, military members or families with a person with a disability; no first-time buyer requirement. Offered by Georgia Department of Community Affairs.

    Type not stated

    See the program Official page

Housing counselors near Union City

The HUD-approved agencies closest to the center of Union City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Nid-Hca Georgia

    4788 Jonesboro Rd, Bldg B, Ste1, Union City · 2 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (678) 735-6550

  • Nid-Hca Emerson

    4710 Washington Road, College Park · 5 miles away

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 4 more
    (404) 410-6689

  • Operation Hope- Atlanta- Martin Luther King JR

    3857 Main St, College Park · 8 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (470) 223-0285

Every agency in Fulton County All counseling agencies in Georgia

Help in Spanish near Union City

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Union City

HUD’s record names them for Union City or Fulton County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Fulton County Public housing and Section 8 vouchers (404) 588-4950

6 other authorities have an office in Fulton County: see the list Source: HUD

Cities

Other cities in Fulton County

These cities are also in Fulton County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Fulton County Housing in Georgia

Nearby cities

The cities closest to Union City, with the typical home value.

Neighboring counties

If Fulton County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Union City.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Union City

Short answers with the numbers for Union City and all of Fulton 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 City?

The typical home value in Union City is $245,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fulton County it is $458,800.

How much does it cost to rent in Union City?

Typical rent in Union City is $1,330 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fulton County is $1,762.

What is the FHA loan limit in Union City?

Union City uses the FHA limit for all of Fulton County (2026): $718,750 for a one-unit home and $1,382,250 for a four-unit home.

How much property tax do owners pay in Union City?

The typical homeowner in Union City pays $1,996 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Fulton County, the rate is 0.88%.

Where can I find free help to buy or rent in Union City?

There are 10 HUD-approved counseling agencies with an office in Fulton County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).