City · 12,781 residents · Franklin County, Missouri
Union, Missouri
In Union, a typical home is worth $205,200 and typical rent is $858 a month. Compared with all of Franklin County, the typical home value is 10% lower and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $201,906 to $256,703.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Union is in Franklin 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 Franklin County. See the county
What this place has that others do not, from public data, most unusual first.
1
Union has the 2nd smallest share of rent-burdened renters of the 131 cities in Missouri with more than 5,000 people (25%).
2
61% of households in Union own their home, against 77% in Franklin County.
3
Nearby, in Sullivan, the typical home value is $163,200: 20% less than in Union ($205,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Union
What homes there are in Union, 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
Franklin County
Missouri
United States
Kind of home: Union and its comparisons
Measure
Union
Franklin County
Missouri
United States
Detached house
64%
76%
71%
61%
Attached house
8%
3%
4%
6%
Building of 2 to 4
11%
6%
8%
8%
Apartments (5 or more)
Unreliable estimate
6%
13%
19%
Mobile home
8%
9%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Union, 6 in 10 homes are single-family detached houses; in Franklin County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Union
Franklin County
Missouri
United States
Year built: Union and its comparisons
Measure
Union
Franklin County
Missouri
United States
Before 1960
17%
21%
27%
26%
1960–1979
13%
23%
25%
24%
1980–1999
25%
29%
25%
25%
2000–2009
26%
16%
13%
14%
2010 or later
19%
11%
10%
11%
Here half of the homes date from 1996 or later; in Franklin County, from 1984 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K41%
$200K–$300K44%
$300K–$500K10%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Union and its comparisons
Measure
Union
Under $100K
Unreliable estimate
$100K–$200K
41%
$200K–$300K
44%
$300K–$500K
10%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99960%
$1,000–$1,49929%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Union and its comparisons
Measure
Union
Under $500
Unreliable estimate
$500–$999
60%
$1,000–$1,499
29%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,360 a month
Franklin County: $1,442 a month
Without a mortgage
$462 a month
Franklin County: $505 a month
Owners with a mortgage
70%
Franklin County: 60%
Owning costs less in Union: with a mortgage, the typical cost is $1,360 a month; in Franklin County, $1,442. Without one, $462.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Union+38%
Franklin County+37%
Missouri+47%
United States+53%
Typical rent
Union+18%
Franklin County+20%
Missouri+25%
United States+33%
Typical household income
Union+40%
Franklin County+28%
Missouri+28%
United States+29%
Change since 2015–2019: Union and its comparisons
Measure
Union
Franklin County
Missouri
United States
Typical home value
+38%
+37%
+47%
+53%
Typical rent
+18%
+20%
+25%
+33%
Typical household income
+40%
+28%
+28%
+29%
Much as in Franklin County, the typical home value in Union rose 38% since 2015–2019.
The typical rent in Union rose 18% since 2015–2019, about the same as in Franklin County (20%).
The typical household income in Union rose 40% over that time; home values changed +38% and rent +18%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Union and its comparisons
Measure
Union
Franklin County
Missouri
United States
Rental vacancy
Unreliable estimate
6.4%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
1.3%
1.7%
3.4%
People per household
2.51
2.44
2.40
2.53
Drive alone
79%
78%
75%
69%
Carpool
9%
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
9%
10%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Union has 2.51 people on average, about the same as in Franklin County (2.44).
To get to work, 79% of workers in Union drive alone; in Franklin County, 78%.
Do the math
What would you pay each month for a home in Union?
A typical home is within reach of the typical income
We start with a typical home in Union, worth $205,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Union, which is $73,435 a year.
The calculator's FHA and conventional loan limits are those of all of Franklin 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. 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 $7,182 (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
$1,687
at 7.18% · 30 years
Loan amount
$201,483
Total interest
$289,887
Paid off in
November 2056
Includes $3,465 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,713 a month
Your payment · 28%
Tight
$1,713 to $2,203 a month
Hard
more than $2,203 a month
Compared with the typical household income in Union ($73,435 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,365
Property tax
$145
Home insurance
$86
FHA mortgage insurance (MIP)
$91
You need at least $7,182 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 $1,687; principal and interest $1,365.
The city and its county
Union and Franklin County
Union is in Franklin County, Missouri. 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
Map of Franklin County, Missouri, with Union marked. Around it, the neighboring counties.
Union
Franklin County
Other cities with a page
Union's own numbers
Typical home value
$205,200
Typical monthly rent
$858
Typical yearly household income
$73,435
Households that own their home
61%
Effective property tax rate
0.85%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Franklin County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
1.8%
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 Franklin County.
A typical home in Union is worth $205,200: 10% below the county and 11% below Missouri. With the typical household income in Union ($73,435 a year), a typical home costs 2.8 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.
Union2.8 years
Franklin3.1 years
Missouri3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Franklin County
According to FHFA’s house price index, home prices in Franklin County rose 82% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Franklin County.
Yearly change in FHFA’s price index in Franklin County, 2016 to 2025
2016: +2.9% +2.9% 2016
2017: +4.5% +4.5% 2017
2018: +3.1% +3.1% 2018
2019: +4.5% +4.5% 2019
2020: +2.6% +2.6% 2020
2021: +9.2% +9.2% 2021
2022: +14.3% +14.3% 2022
2023: +10.0% +10.0% 2023
2024: +4.7% +4.7% 2024
2025: +6.3% +6.3% 2025
Change in FHFA’s price index in Franklin County, Missouri and the United States
Period
County
Missouri
U.S.
Last year (2025)
+6.3%
+3.7%
+2.9%
5 years (2020–2025)
+53%
+51%
+47%
10 years (2015–2025)
+82%
+88%
+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 next to Franklin County, Missouri and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Union$205,200
Franklin$227,600
Missouri$230,300
United States$332,700
Typical monthly rent
Union$858
Franklin$893
Missouri$1,033
United States$1,413
Typical yearly household income
Union$73,435
Franklin$73,165
Missouri$70,702
United States$80,734
See the full table
Union next to Franklin County and Missouri
Measure
Union
Franklin County
Missouri
U.S.
Typical home value
$205,200 ▼10% below the county
$227,600
$230,300
$332,700
Typical monthly rent
$858 ▼4% below the county
$893
$1,033
$1,413
Typical yearly household income
$73,435
$73,165
$70,702
$80,734
Households that own their home
61% ▼16 points below the county
77%
68%
65%
Typical yearly property tax
$1,739 ▼4% below the county
$1,813
$1,948
$3,119
Effective property tax rate
0.85% ▲0.05 points above the county
0.8%
0.85%
0.94%
Renters with high rent for their income
25% ▼15 points below the county
40%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Franklin 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
For a typical $205,200 home in Union, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Union's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,687a month
Least cash to close
Down payment
$7,182
Cash to close
$13,338
Rate
7.18%
Mortgage insurance
FHA MIP · $91
Conventional, 5% down$1,649a month
Down payment
$10,260
Cash to close
$16,416
Rate
7.18%
Mortgage insurance
PMI · $97
Conventional, 20% down, no PMI$1,343a month
Down payment
$41,040
Cash to close
$47,196
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,533a month
Down payment
$30,780
Cash to close
$36,936
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Union
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,687
$7,182
$201,483
7.18%
FHA MIP · $91
$13,338
580
Conventional, 5% down
$1,649
$10,260
$194,940
7.18%
PMI · $97
$16,416
620*
Conventional, 20% down, no PMI
$1,343
$41,040
$164,160
7.18%
None
$47,196
620*
ITIN, 15% down (example)
$1,533
$30,780
$174,420
8.18%
None
$36,936
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Union and for Franklin County.
Property tax
Effective rate in Union
0.85%of the home’s value each year
$1,739 a year for the typical owner in Union.
Union0.85%
Franklin0.8%
Missouri0.85%
What Missouri publishesDeadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))
Typical rent in Union is $858 a month: 4% below the county. In Union, 25% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Franklin County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 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 Franklin County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,064
$20.46
$42,560
1 bedroom
$1,104
$21.23
$44,160
2 bedrooms
$1,349
$25.94
$53,960
3 bedrooms
$1,731
$33.29
$69,240
4 bedrooms
$1,997
$38.40
$79,880
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
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Union is in ZIP code 63084.
For 2 bedrooms it is $1,060: $289 less than the fair market rent for Franklin County ($1,349).
Fair market rent by ZIP code and size in Union, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
63084
$840
$870
$1,060
$1,360
$1,570
ZIP code2 bd3 bd
63084 $1,060$1,360
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Union 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.
We found no HUD-approved agencies with an office in Franklin County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Union or Franklin County. The ones below are statewide in Missouri: they work in Union the same as in the rest of the state.
Missouri state commission mortgage for first-time buyers and veterans, with the option of cash assistance for the down payment and closing costs.Offered by Missouri Housing Development Commission (MHDC).
Missouri state commission mortgage for buyers who earn more than First Place allows, with a second loan of 4% of the mortgage for the down payment and closing costs that is forgiven after ten years.Offered by Missouri Housing Development Commission (MHDC).
No legal help resource on our list is for Union or Franklin 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 and all of Franklin 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?
The typical home value in Union is $205,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Franklin County it is $227,600.
How much does it cost to rent in Union?
Typical rent in Union is $858 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Franklin County is $1,349.
What is the FHA loan limit in Union?
Union uses the FHA limit for all of Franklin 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?
The typical homeowner in Union pays $1,739 a year, according to the U.S. Census Bureau. That is 0.85% of the home’s value; in Franklin County, the rate is 0.8%.
Where can I find free help to buy or rent in Union?
We found no HUD-approved counseling agencies with an office in Franklin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
