In Union City, a typical home is worth $146,000 and typical rent is $739 a month. Compared with all of Obion County, the typical home value is 9% higher, typical household income is 7% lower, and the share of households that own their home is 15 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $130,758 to $173,997.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Union City is in Obion 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 Obion County. See the county
What this place has that others do not, from public data, most unusual first.
1
According to Zillow, in the 12 months to September 2026 the typical home value in Union City rose 7.8%; in Tennessee, it rose 0.6%.
2
Union City has the 6th lowest typical home value of the 113 cities in Tennessee with more than 5,000 people ($146,000).
3
53% of households in Union City own their home, against 68% in Obion County.
4
Union City has the 10th lowest typical rent of the 109 cities in Tennessee with more than 5,000 people ($739).
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Union City
Obion County
Tennessee
United States
Kind of home: Union City and its comparisons
Measure
Union City
Obion County
Tennessee
United States
Detached house
68%
75%
68%
61%
Attached house
5%
2%
4%
6%
Building of 2 to 4
18%
8%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
14%
19%
Mobile home
Unreliable estimate
12%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Union City, but it weighs less than in Obion County: 68% against 75%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Union City
Obion County
Tennessee
United States
Year built: Union City and its comparisons
Measure
Union City
Obion County
Tennessee
United States
Before 1960
31%
27%
18%
26%
1960–1979
32%
32%
23%
24%
1980–1999
22%
25%
29%
25%
2000–2009
7%
8%
16%
14%
2010 or later
8%
9%
15%
11%
The typical home in Union City was built in 1970, 5 years before the typical one in Obion County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either sideUnreliable estimate
Under $100K35%
$100K–$200K33%
$200K–$300K18%
$300K–$500K13%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Union City and its comparisons
Measure
Union City
Under $100K
35%
$100K–$200K
33%
$200K–$300K
18%
$300K–$500K
13%
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
The FHA limit for Obion County is high ($541,287): at least 99% of owner-occupied homes in Union City are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50018%
$500–$99968%
HUD fair market rent, 2 bedrooms: $995
$1,000–$1,49913%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Union City and its comparisons
Measure
Union City
Under $500
18%
$500–$999
68%
$1,000–$1,499
13%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
By rent, most homes in Union City cost less than HUD's 2-bedroom fair market rent ($995): about 85%.
With a mortgage
$1,115 a month
Obion County: $1,073 a month
Without a mortgage
$451 a month
Obion County: $403 a month
Owners with a mortgage
59%
Obion County: 48%
The typical cost for an owner with a mortgage in Union City is $1,115 a month, near the figure in Obion County ($1,073).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Union City+51%
Obion County+46%
Tennessee+72%
United States+53%
Typical rent
Union City+27%
Obion County+24%
Tennessee+37%
United States+33%
Typical household income
Union City+78%
Obion County+38%
Tennessee+31%
United States+29%
Change since 2015–2019: Union City and its comparisons
Measure
Union City
Obion County
Tennessee
United States
Typical home value
+51%
+46%
+72%
+53%
Typical rent
+27%
+24%
+37%
+33%
Typical household income
+78%
+38%
+31%
+29%
From 2015–2019 to 2020–2024, the typical home value in Union City rose 51%; in Obion County, it rose 46%.
The typical rent in Union City rose 27% since 2015–2019, about the same as in Obion County (24%).
Income in Union City grew faster than housing: it rose 78%, while home values changed +51% and rent +27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Union City and its comparisons
Measure
Union City
Obion County
Tennessee
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
2.0%
2.2%
3.4%
People per household
2.47
2.41
2.45
2.53
Drive alone
77%
82%
76%
69%
Carpool
15%
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
Unreliable estimate
3%
13%
15%
Other means
Unreliable estimate
3%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Union City look like those in Obion County: 2.47 people on average.
More people carpool to work in Union City than in Obion County: 15% against 10%.
Do the math
What would you pay each month for a home in Union City?
A typical home is within reach of the typical income
We start with a typical home in Union City, worth $146,000, 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 City, which is $50,870 a year.
The calculator's FHA and conventional loan limits are those of all of Obion 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 City. 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 $5,110 (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
$1,180
at 7.18% · 30 years
Loan amount
$143,356
Total interest
$206,255
Paid off in
November 2056
Includes $2,466 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,187 a month
Your payment · 28%
Tight
$1,187 to $1,526 a month
Hard
more than $1,526 a month
Compared with the typical household income in Union City ($50,870 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$971
Property tax
$84
Home insurance
$61
FHA mortgage insurance (MIP)
$65
You need at least $5,110 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 $1,180; principal and interest $971.
The city and its county
Union City and Obion County
Union City is in Obion County, Tennessee. 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
Map of Obion County, Tennessee, with Union City marked. Around it, the neighboring counties.
Union City
Obion County
Other cities with a page
Union City's own numbers
Typical home value
$146,000
Typical monthly rent
$739
Typical yearly household income
$50,870
Households that own their home
53%
Effective property tax rate
0.69%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Obion County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$995
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
3.7%
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 Obion County.
A typical home in Union City is worth $146,000: 9% above the county and 49% below Tennessee. With the typical household income in Union City ($50,870 a year), a typical home costs 2.9 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 City2.9 years
Obion2.4 years
Tennessee4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Obion County
According to FHFA’s house price index, home prices in Obion County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Obion County.
Yearly change in FHFA’s price index in Obion County, 2016 to 2025
2016: +2.8% +2.8% 2016
2017: +5.5% +5.5% 2017
2018: +6.6% +6.6% 2018
2019: −0.8% −0.8% 2019
2020: +4.6% +4.6% 2020
2021: +16.3% +16.3% 2021
2022: +11.6% +11.6% 2022
2023: +11.9% +11.9% 2023
2024: +4.1% +4.1% 2024
2025: +5.9% +5.9% 2025
Change in FHFA’s price index in Obion County, Tennessee and the United States
Period
County
Tennessee
U.S.
Last year (2025)
+5.9%
+2.4%
+2.9%
5 years (2020–2025)
+60%
+60%
+47%
10 years (2015–2025)
+92%
+114%
+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 Obion County, Tennessee 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$146,000
Obion$133,600
Tennessee$286,700
United States$332,700
Typical monthly rent
Union City$739
Obion$770
Tennessee$1,189
United States$1,413
Typical yearly household income
Union City$50,870
Obion$54,613
Tennessee$69,595
United States$80,734
See the full table
Union City next to Obion County and Tennessee
Measure
Union City
Obion County
Tennessee
U.S.
Typical home value
$146,000 ▲9% above the county
$133,600
$286,700
$332,700
Typical monthly rent
$739 ▼4% below the county
$770
$1,189
$1,413
Typical yearly household income
$50,870 ▼7% below the county
$54,613
$69,595
$80,734
Households that own their home
53% ▼15 points below the county
68%
67%
65%
Typical yearly property tax
$1,007 ▲46% above the county
$690
$1,442
$3,119
Effective property tax rate
0.69% ▲0.17 points above the county
0.52%
0.5%
0.94%
Renters with high rent for their income
40% ▲1 points above the county
39%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Obion 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 $146,000 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$1,180a month
Least cash to close
Down payment
$5,110
Cash to close
$9,490
Rate
7.18%
Mortgage insurance
FHA MIP · $65
Conventional, 5% down$1,154a month
Down payment
$7,300
Cash to close
$11,680
Rate
7.18%
Mortgage insurance
PMI · $69
Conventional, 20% down, no PMI$936a month
Down payment
$29,200
Cash to close
$33,580
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,071a month
Down payment
$21,900
Cash to close
$26,280
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Union City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,180
$5,110
$143,356
7.18%
FHA MIP · $65
$9,490
580
Conventional, 5% down
$1,154
$7,300
$138,700
7.18%
PMI · $69
$11,680
620*
Conventional, 20% down, no PMI
$936
$29,200
$116,800
7.18%
None
$33,580
620*
ITIN, 15% down (example)
$1,071
$21,900
$124,100
8.18%
None
$26,280
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 City and for Obion County.
Property tax
Effective rate in Union City
0.69%of the home’s value each year
$1,007 a year for the typical owner in Union City.
Union City0.69%
Obion0.52%
Tennessee0.5%
What Tennessee publishesProperty tax relief for older, disabled and disabled-veteran homeowners (Tennessee Comptroller of the Treasury, 2026 Property Tax Relief Program brochure)
Typical rent in Union City is $739 a month: 4% below the county. In Union City, 40% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Obion County, by unit size. To pay the 2-bedroom one ($995 a month) without spending more than 30% of your income, you would need to earn $19.13 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 Obion County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$756
$14.54
$30,240
1 bedroom
$761
$14.63
$30,440
2 bedrooms
$995
$19.13
$39,800
3 bedrooms
$1,255
$24.13
$50,200
4 bedrooms
$1,308
$25.15
$52,320
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 38261.
For 2 bedrooms it is $1,000: $5 more than the fair market rent for Obion County ($995).
Fair market rent by ZIP code and size in Union City, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
38261
$760
$760
$1,000
$1,250
$1,400
ZIP code2 bd3 bd
38261 $1,000$1,250
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 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 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)
HUD lists 9 buildings with rents for lower incomes in Union City. These are the largest.
Union City HSG Auth, Fairview1601 E Main St, Union City 38261291 homes, 284 low-income · Run by Union City Housing Authority · Average payment: $312 a month · Average wait: 7 months(731) 885-1971
East Gate Village Apts513 Nash St, Union City 38261100 low-income homes · For families(731) 885-3934
Ware Park1464 E Cheatham St, Union City 3826164 low-income homes · 1 bd: 24 · 2 bd: 36 · 3 bd: 4 · In service since 2016 · For people with disabilities, families
Parkview Manor Apartments717 S Sunswept Dr, Union City 3826150 low-income homes · For families(731) 885-3485
Parkview Manor Apts710 S Sunswept Dr, Union City 3826150 low-income homes · 1 bd: 14 · 2 bd: 16 · 3 bd: 14 · 4 bd: 6 · In service since 2006 · For families
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 Obion 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 City or Obion County. The ones below are statewide in Tennessee: they work in Union City the same as in the rest of the state.
Tennessee state agency help with the down payment and closing costs alongside the Great Choice mortgage: $6,000 or $10,000 forgivable over 10 years with no payments, or up to 5% of the price (maximum $15,000) as a 30-year second mortgage.Offered by Tennessee Housing Development Agency (THDA).
No legal help resource on our list is for Union City or Obion 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 City and all of Obion 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 $146,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Obion County it is $133,600.
How much does it cost to rent in Union City?
Typical rent in Union City is $739 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Obion County is $995.
What is the FHA loan limit in Union City?
Union City uses the FHA limit for all of Obion 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 City?
The typical homeowner in Union City pays $1,007 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Obion County, the rate is 0.52%.
Where can I find free help to buy or rent in Union City?
We found no HUD-approved counseling agencies with an office in Obion County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
