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City · 66,463 residents · Hudson County, New Jersey

Union City , New Jersey

In Union City, a typical home is worth $471,600 and typical rent is $1,537 a month. Compared with all of Hudson County, typical household income is 30% lower, typical rent is 19% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $471,600

    13% below the county

    4% above New Jersey

    • Union City
    • Hudson
    • New Jersey

  • Typical rent

    $1,537a month

    19% below the county

    11% below New Jersey

    • Union City
    • Hudson
    • New Jersey

  • Typical household income

    $64,310a year

    30% below the county

    38% below New Jersey

    • Union City
    • Hudson
    • New Jersey

  • Households that own their home

    19%

    12 points below the county

    45 points below New Jersey

    • Union City
    • Hudson
    • New Jersey

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

Market now, with Zillow data

Zillow data
Typical home value
$558,656
5% more than 12 months ago
Typical rent
$2,343 a month
4.8% 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 Hudson County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Hudson 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. Union City has the lowest homeownership rate of the 293 cities in New Jersey with more than 5,000 people: 19%.

  2. The typical household income in Union City is $64,310, 30% less than in Hudson County as a whole ($91,795).

  3. Nearby, in Guttenberg, the typical home value is $379,000: 20% less than in Union City ($471,600).

  4. The typical rent in Union City is $1,537 a month, 19% less than in Hudson County as a whole ($1,894).

  5. 12% of households in Union City have no internet at home (7% in Hudson County).

Sources: U.S. Census Bureau (Average 2020–2024).

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

There are more apartments in Union City than in Hudson County: 56% of homes, against 53%.

Year built

In Union City, half of the homes were built before 1961; in Hudson County, before 1966.

There are fewer big homes in Union City than in Hudson County: 21% have 3 bedrooms or more, against 28%.

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
Monthly rent with utilities

By rent, most homes in Union City cost less than HUD's 2-bedroom fair market rent ($2,792): about 95%.

With a mortgage

$3,088 a month

Hudson County: $3,300 a month

Without a mortgage

$1,355 a month

Hudson County: $1,311 a month

Owners with a mortgage

62%

Hudson County: 66%

Owning costs less in Union City: with a mortgage, the typical cost is $3,088 a month; in Hudson County, $3,300. Without one, $1,355.

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

Homes in Union City gained value more slowly than in Hudson County: 38% since 2015–2019, against 43%.

The typical rent in Union City rose 26% over the same time; in Hudson County, it rose 36%.

To compare: typical income in Union City rose 31%; the home, +38%; the rent, +26%.

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 CityHudson CountyNew JerseyUnited States
Rental vacancy 3.2%4.4%3.5%5.5%
Homeowner vacancy Unreliable estimate1.4%0.7%0.9%
More than one person per room 13.9%7.9%4.0%3.4%
People per household 2.572.372.622.53
Drive alone 34%33%62%69%
Carpool 9%6%8%9%
Public transit 37%31%8%3%
Walk or bike 11%7%3%3%
Work from home 8%21%17%15%
Other means 3%2%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

There is little rental housing open in Union City: only 3.2% is empty and offered for rent, against 4.4% in Hudson County.

More households are short on space in Union City: 13.9% have more than one person per room; in Hudson County, 7.9%.

On average, a household in Union City has 2.57 people, more than in Hudson County (2.37).

Public transit matters here: 37% of workers take it to work, against 31% in Hudson County.

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 $471,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 82% of the typical household income in Union City, which is $64,310 a year. For that payment to be 28% of income, a household would need to earn about $187,507 a year.

The calculator's FHA and conventional loan limits are those of all of Hudson 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 $16,506 (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

$4,375

at 7.18% · 30 years

Loan amount
$463,058
Total interest
$666,232
Paid off in
November 2056

Includes $7,964 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,501 a month

  • Tight

    $1,501 to $1,929 a month

  • Hard

    more than $1,929 a month

    Your payment · 82%

Compared with the typical household income in Union City ($64,310 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,375
Principal & interest$3,137
Property tax$833
Home insurance$197
FHA mortgage insurance (MIP)$209

You need at least $16,506 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 Hudson County

Union City is in Hudson County, New Jersey. 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
$471,600
Typical monthly rent
$1,537
Typical yearly household income
$64,310
Households that own their home
19%
Effective property tax rate
2.12%

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

Numbers for all of Hudson County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,209,750
HUD fair market rent, 2 bedrooms
$2,792
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
15%

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 Hudson County.

Everything about Hudson County

Buying

Buying a home in Union City

A typical home in Union City is worth $471,600: 13% below the county and 4% above New Jersey. With the typical household income in Union City ($64,310 a year), a typical home costs 7.3 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 7.3 years
  • Hudson 5.9 years
  • New Jersey 4.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Hudson County

According to FHFA’s house price index, home prices in Hudson County rose 107% in the 10 years through 2025.

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

Period County New Jersey U.S.
Last year (2025) +9.6% +6.2% +2.9%
5 years (2020–2025) +48% +63% +47%
10 years (2015–2025) +107% +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 City next to Hudson County, New Jersey 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 $471,600
  • Hudson $539,700
  • New Jersey $454,400
  • United States $332,700
Typical monthly rent
  • Union City $1,537
  • Hudson $1,894
  • New Jersey $1,720
  • United States $1,413
Typical yearly household income
  • Union City $64,310
  • Hudson $91,795
  • New Jersey $103,556
  • United States $80,734
See the full table
Union City next to Hudson County and New Jersey
Measure Union City Hudson County New Jersey U.S.
Typical home value $471,600 $539,700 $454,400 $332,700
Typical monthly rent $1,537 $1,894 $1,720 $1,413
Typical yearly household income $64,310 $91,795 $103,556 $80,734
Households that own their home 19% 31% 64% 65%
Typical yearly property tax $10,001 $9,555 $9,590 $3,119
Effective property tax rate 2.12% 1.77% 2.11% 0.94%
Renters with high rent for their income 53% 46% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hudson 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 $471,600 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 $4,375a month

    Least cash to close
    Down payment
    $16,506
    Cash to close
    $30,654
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $209

  • Conventional, 5% down $4,289a month

    Down payment
    $23,580
    Cash to close
    $37,728
    Rate
    7.18%
    Mortgage insurance
    PMI · $224

  • Conventional, 20% down, no PMI $3,585a month

    Down payment
    $94,320
    Cash to close
    $108,468
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,021a month

    Down payment
    $70,740
    Cash to close
    $84,888
    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 Hudson County.

Property tax

Effective rate in Union City

2.12%of the home’s value each year

$10,001 a year for the typical owner in Union City.

  • Union City 2.12%
  • Hudson 1.77%
  • New Jersey 2.11%

What New Jersey publishes ANCHOR, Senior Freeze and Stay NJ: one combined application (New Jersey Division of Taxation)

Exemptions and deadlines in New Jersey

Flood risk in Hudson County

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

Homes in the high-risk zone
15%
13,150
Of those, with NFIP insurance
18%
County New Jersey U.S.
Homes in the high-risk zone 15% 6.7% 3.5%
Of those, with NFIP insurance 18% 63% 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 $1,537 a month: 19% below the county. In Union City, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hudson County, by unit size. To pay the 2-bedroom one ($2,792 a month) without spending more than 30% of your income, you would need to earn $53.69 an hour working full time.

HUD fair market rent for all of Hudson 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 $2,462 $47.35 $98,480
1 bedroom $2,514 $48.35 $100,560
2 bedrooms $2,792 $53.69 $111,680
3 bedrooms $3,392 $65.23 $135,680
4 bedrooms $3,976 $76.46 $159,040

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 is in ZIP code 07087.

For 2 bedrooms it is $2,440: $352 less than the fair market rent for Hudson County ($2,792).

  • 07087 $2,440$2,960

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 15 buildings with rents for lower incomes in Union City. These are the largest.

  • Bella Vista Apartments 522 22nd St, Union City 07087 231 homes, 230 low-income · For older adults
  • Hillside Terr 1 634 39th St, Union City 07087 147 low-income homes · Run by Union City Housing Authority · Average payment: $659 a month · Average wait: 46 months (201) 864-1515
  • Hillside Terr 2 3901 Kennedy Blvd, Union City 07087 111 low-income homes · Run by Union City Housing Authority · Average payment: $671 a month · Average wait: 114 months (201) 864-1515
  • Senior Citizens 3700 Palisade Ave, Union City 07087 101 low-income homes · Run by Union City Housing Authority · Average payment: $408 a month · Average wait: 96 months (201) 864-1515
  • Columbian CT 512 3rd St, Union City 07087 96 low-income homes · Run by Union City Housing Authority · Average payment: $638 a month · Average wait: 252 months (201) 864-1515

See all 207 buildings in Hudson 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 2 HUD-approved agencies with an office in Hudson County; 1 says it serves in Spanish.

An older man and his daughter go over papers with a professional.

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 Hudson County. The ones below are statewide in New Jersey: they work in Union City the same as in the rest of the state.

Which programs do I qualify for? All programs in New Jersey

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.

  • North Hudson Community Action Corporation

    407 39th St Apt 2, Union City · 1 miles away

    • Budget and credit workshops
    • Fair housing pre-purchase workshops
    • and 5 more
    (201) 210-0100

  • The Waterfront Project, Inc.

    830 Bergen Ave., Jersey City · 3 miles away · Spanish

    Also serves in Arabic, Cambodian, Cantonese, Mandarin Chinese, and 17 more languages.

    • Mortgage delinquency and default
    • Rental counseling
    • and 1 more
    (551) 256-7578

  • NSC (naca Counseling Subsidiary) - Newark, NJ

    60 Park Pl Ste 800, Newark · 7 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (973) 679-2601

Every agency in Hudson County All counseling agencies in New Jersey

Help in Spanish near Union City

2 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 Hudson County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Union City Housing Authority Public housing and Section 8 vouchers (201) 864-1515

9 other authorities have an office in Hudson County: see the list Source: HUD

Cities

Other cities in Hudson County

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

Everything about Hudson County Housing in New Jersey

Nearby cities

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

Neighboring counties

If Hudson 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 Hudson 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 $471,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hudson County it is $539,700.

How much does it cost to rent in Union City?

Typical rent in Union City is $1,537 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hudson County is $2,792.

What is the FHA loan limit in Union City?

Union City uses the FHA limit for all of Hudson County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Union City?

The typical homeowner in Union City pays $10,001 a year, according to the U.S. Census Bureau. That is 2.12% of the home’s value; in Hudson County, the rate is 1.77%.

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

There are 2 HUD-approved counseling agencies with an office in Hudson 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).