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City · 8,079 residents · Union County, South Carolina

Union , South Carolina

In Union, a typical home is worth $109,400 and typical rent is $832 a month. Compared with all of Union County, typical household income is 23% lower, the typical home value is 6% higher, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $109,400

    6% above the county

    58% below South Carolina

    • Union
    • County
    • South Carolina

  • Typical rent

    $832a month

    3% above the county

    29% below South Carolina

    • Union
    • County
    • South Carolina

  • Typical household income

    $31,914a year

    23% below the county

    54% below South Carolina

    • Union
    • County
    • South Carolina

  • Households that own their home

    50%

    21 points below the county

    22 points below South Carolina

    • Union
    • County
    • South Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$139,351
5.6% more than 12 months ago

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

Union is in Union 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 Union County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Union apart

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

  1. Union has the 2nd lowest typical household income of the 101 cities in South Carolina with more than 5,000 people ($31,914).

  2. Union has the 3rd lowest typical home value of the 101 cities in South Carolina with more than 5,000 people ($109,400).

  3. 50% of households in Union own their home, against 71% in Union County.

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Union rose 5.6%; in South Carolina, it rose 0.9%.

  5. Union has the 10th lowest typical rent of the 100 cities in South Carolina with more than 5,000 people ($832).

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

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

In Union, 7 in 10 homes are single-family detached houses; in Union County, 7.

Year built

Homes in Union are older: the typical year built is 1965; in Union County, 1972.

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

HUD's 2-bedroom fair market rent (FMR) for Union County is $1,003; about 85% of rents in Union are below it.

With a mortgage

$1,088 a month

Union County: $997 a month

Without a mortgage

$421 a month

Union County: $384 a month

Owners with a mortgage

34%

Union County: 33%

The typical cost for an owner with a mortgage in Union is $1,088 a month, more than in Union County ($997); without one, $421.

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

The typical home value in Union rose 36% since 2015–2019, more than in Union County (30%).

The typical rent in Union rose 30% over the same time.

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

MeasureUnionUnion CountySouth CarolinaUnited States
Rental vacancy Unreliable estimateUnreliable estimate8.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.0%3.4%
People per household 2.032.282.442.53
Drive alone 75%84%76%69%
Carpool 20%12%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate3%12%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.03 on average, against 2.28 in Union County.

More people carpool to work in Union than in Union County: 20% against 12%.

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?

A typical home is tight for the typical income

We start with a typical home in Union, worth $109,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Union, which is $31,914 a year. For that payment to be 28% of income, a household would need to earn about $37,363 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Union. 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 $3,829 (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

$872

at 7.18% · 30 years

Loan amount
$107,418
Total interest
$154,550
Paid off in
November 2056

Includes $1,847 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $745 a month

  • Tight

    $745 to $957 a month

    Your payment · 33%

  • Hard

    more than $957 a month

Compared with the typical household income in Union ($31,914 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$872
Principal & interest$728
Property tax$50
Home insurance$46
FHA mortgage insurance (MIP)$48

You need at least $3,829 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 and Union County

Union is in Union County, South Carolina. 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's own numbers

Typical home value
$109,400
Typical monthly rent
$832
Typical yearly household income
$31,914
Households that own their home
50%
Effective property tax rate
0.55%

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

Numbers for all of Union County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,003
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
0.3%

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 Union County.

Everything about Union County

Buying

Buying a home in Union

A typical home in Union is worth $109,400: 6% above the county and 58% below South Carolina. With the typical household income in Union ($31,914 a year), a typical home costs 3.4 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 3.4 years
  • County 2.5 years
  • South Carolina 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Union County

According to FHFA’s house price index, home prices in Union County rose 102% in the 10 years through 2025.

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

Period County South Carolina U.S.
Last year (2025) −1.8% +3.6% +2.9%
5 years (2020–2025) +61% +60% +47%
10 years (2015–2025) +102% +104% +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 Union County, South Carolina and the U.S.

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

Typical home value
  • Union $109,400
  • County $103,600
  • South Carolina $259,000
  • United States $332,700
Typical monthly rent
  • Union $832
  • County $804
  • South Carolina $1,180
  • United States $1,413
Typical yearly household income
  • Union $31,914
  • County $41,621
  • South Carolina $69,324
  • United States $80,734
See the full table
Union next to Union County and South Carolina
Measure Union Union County South Carolina U.S.
Typical home value $109,400 $103,600 $259,000 $332,700
Typical monthly rent $832 $804 $1,180 $1,413
Typical yearly household income $31,914 $41,621 $69,324 $80,734
Households that own their home 50% 71% 72% 65%
Typical yearly property tax $597 $579 $1,251 $3,119
Effective property tax rate 0.55% 0.56% 0.48% 0.94%
Renters with high rent for their income 55% 53% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Union 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 $109,400 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 $872a month

    Least cash to close
    Down payment
    $3,829
    Cash to close
    $7,111
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $48

  • Conventional, 5% down $852a month

    Down payment
    $5,470
    Cash to close
    $8,752
    Rate
    7.18%
    Mortgage insurance
    PMI · $52

  • Conventional, 20% down, no PMI $689a month

    Down payment
    $21,880
    Cash to close
    $25,162
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $790a month

    Down payment
    $16,410
    Cash to close
    $19,692
    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 and for Union County.

Property tax

Effective rate in Union

0.55%of the home’s value each year

$597 a year for the typical owner in Union.

  • Union 0.55%
  • County 0.56%
  • South Carolina 0.48%

What South Carolina publishes Special 4% assessment ratio for your legal residence (South Carolina General Assembly (South Carolina Code of Laws))

Exemptions and deadlines in South Carolina

Flood risk in Union County

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

Homes in the high-risk zone
0.3%
43
Of those, with NFIP insurance
—
County South Carolina U.S.
Homes in the high-risk zone 0.3% 4% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Union

Typical rent in Union is $832 a month: 3% above the county. In Union, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Union County, by unit size. To pay the 2-bedroom one ($1,003 a month) without spending more than 30% of your income, you would need to earn $19.29 an hour working full time.

HUD fair market rent for all of Union 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 $762 $14.65 $30,480
1 bedroom $767 $14.75 $30,680
2 bedrooms $1,003 $19.29 $40,120
3 bedrooms $1,286 $24.73 $51,440
4 bedrooms $1,318 $25.35 $52,720

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

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Union is in ZIP code 29379.

For 2 bedrooms it is $1,010: $7 more than the fair market rent for Union County ($1,003).

  • 29379 $1,010$1,300

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 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

HUD lists 12 buildings with rents for lower incomes in Union. These are the largest.

  • Chambers Ave Apts 200 Tillman St, Union 29379 206 homes, 205 low-income · Run by Housing Authority of Union · Average payment: $303 a month · Average wait: 9 months (864) 427-9679
  • Buena Vista Apts Phase II 726 Rice Avenue Ext, Union 29379 96 low-income homes · 1 bd: 24 · 2 bd: 64 · 3 bd: 8 · In service since 2010
  • Horseshoe Circle Apts. 121 Barnado Rd, Union 29379 81 low-income homes · Run by Housing Authority of Union · Average payment: $356 a month · Average wait: 4 months (864) 427-9679
  • Brittany Manor 296 Meansville Rd, Union 29379 78 low-income homes · 1 bd: 64 · 2 bd: 14 · In service since 2012 · For older adults
  • Lakeside Manor 1111 Lakeside Dr, Union 29379 54 low-income homes · For families (864) 427-7498

See all 13 buildings in Union County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Union

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 Union County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Union

1 program is for Union or Union County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in South Carolina: they work in Union the same as in the rest of the state.

Which programs do I qualify for? All programs in South Carolina

  • County First Initiative

    For Union County

    South Carolina state agency rural initiative for certain counties: an FHA, USDA or VA mortgage at a special fixed rate with forgivable down payment assistance, for first-time buyers and for people who have owned a home before. Offered by SC Housing (South Carolina State Housing Finance and Development Authority).

    Forgivable

    See the program Official page

  • Palmetto Home Advantage

    Statewide in South Carolina

    South Carolina state agency program with forgivable down payment assistance of 0%, 3% or 4% of the loan, with no monthly payments, for any buyer in all 46 counties. Offered by SC Housing (South Carolina State Housing Finance and Development Authority).

    Forgivable

    See the program Official page

  • SC Housing Homebuyer Program

    Statewide in South Carolina

    South Carolina state agency fixed-rate mortgage with forgivable help for the down payment, closing costs or prepaid expenses: a 0% second mortgage with no monthly payments, forgiven if you live in the home 15 years. Offered by SC Housing (South Carolina State Housing Finance and Development Authority).

    Forgivable

    See the program Official page

Housing counselors near Union

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

  • Regenesis Community Development Corporation F/K/A Upstate Housing Partnership

    430 E Main St, Spartanburg · 23 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (864) 504-3090

  • Telamon Corporation - Greenville Branch

    300A S Daniel Morgan Ave, Spartanburg · 23 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (919) 899-9911

  • Greenville County Human Relations Commission

    301 University Rdg, Greenville · 45 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (864) 467-7095

All counseling agencies in South Carolina

Help in Spanish near Union

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

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

  • Housing Authority of Union Public housing and Section 8 vouchers (864) 427-9679

All housing agencies in South Carolina Source: HUD

Cities

Nearby cities

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

Everything about Union County Housing in South Carolina

Neighboring counties

If Union 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.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Union

Short answers with the numbers for Union and all of Union 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 $109,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Union County it is $103,600.

How much does it cost to rent in Union?

Typical rent in Union is $832 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Union County is $1,003.

What is the FHA loan limit in Union?

Union uses the FHA limit for all of Union 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 $597 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Union County, the rate is 0.56%.

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

We found no HUD-approved counseling agencies with an office in Union County; the nearest ones are on this page. 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).