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City · 6,584 residents · Yakima County, Washington

Union Gap , Washington

In Union Gap, a typical home is worth $210,600 and typical rent is $1,133 a month. Compared with all of Yakima County, the typical home value is 32% lower and typical household income is 16% lower.

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  • Typical home value

    $210,600

    32% below the county

    63% below Washington

    • Union Gap
    • Yakima
    • Washington

  • Typical rent

    $1,133a month

    2% above the county

    36% below Washington

    • Union Gap
    • Yakima
    • Washington

  • Typical household income

    $59,651a year

    16% below the county

    39% below Washington

    • Union Gap
    • Yakima
    • Washington

  • Households that own their home

    62%

    About the same as the county

    2 points below Washington

    • Union Gap
    • Yakima
    • Washington

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

Market now, with Zillow data

Zillow data
Typical home value
$258,466
about the same as 12 months ago

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

Union Gap is in Yakima 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 Yakima County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Union Gap apart

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

  1. Union Gap has the lowest typical home value of the 191 cities in Washington with more than 5,000 people: $210,600.

  2. Union Gap has the 11th lowest typical household income of the 194 cities in Washington with more than 5,000 people ($59,651).

  3. Union Gap has the 19th lowest typical rent of the 190 cities in Washington with more than 5,000 people ($1,133).

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

The homes here

Housing in Union Gap

What homes there are in Union Gap, 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

As in Yakima County, most homes in Union Gap are detached houses (68%).

Mobile homes are 22% of homes in Union Gap, more than in Yakima County (11%).

Year built

The typical home in Union Gap was built in 1971, 6 years before the typical one in Yakima County.

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

With a mortgage

$1,660 a month

Yakima County: $1,706 a month

Without a mortgage

$504 a month

Yakima County: $552 a month

Owners with a mortgage

49%

Yakima County: 57%

The typical cost for an owner with a mortgage in Union Gap is $1,660 a month, near the figure in Yakima County ($1,706).

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 Gap gained value faster than in Yakima County: 95% against 76%.

Rents in Union Gap rose more slowly than in Yakima County: 31% since 2015–2019, against 34%.

To compare: typical income in Union Gap rose 44%; the home, +95%; the rent, +31%.

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 GapYakima CountyWashingtonUnited States
Rental vacancy Unreliable estimate2.4%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate7.3%3.5%3.4%
People per household 2.922.892.502.53
Drive alone 80%79%63%69%
Carpool Unreliable estimate11%9%9%
Public transit Unreliable estimate0%3%3%
Walk or bike Unreliable estimate1%4%3%
Work from home Unreliable estimate7%20%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in Union Gap look like those in Yakima County: 2.92 people on average.

In Union Gap, 80% of workers drive alone to work; in Yakima County, 79%.

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 Gap?

A typical home is tight for the typical income

We start with a typical home in Union Gap, worth $210,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Union Gap, which is $59,651 a year. For that payment to be 28% of income, a household would need to earn about $74,107 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Union Gap. 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 $7,371 (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

$1,729

at 7.18% · 30 years

Loan amount
$206,786
Total interest
$297,516
Paid off in
November 2056

Includes $3,557 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,392 a month

  • Tight

    $1,392 to $1,790 a month

    Your payment · 35%

  • Hard

    more than $1,790 a month

Compared with the typical household income in Union Gap ($59,651 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,729
Principal & interest$1,401
Property tax$147
Home insurance$88
FHA mortgage insurance (MIP)$93

You need at least $7,371 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 Gap and Yakima County

Union Gap is in Yakima County, Washington. 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 Gap's own numbers

Typical home value
$210,600
Typical monthly rent
$1,133
Typical yearly household income
$59,651
Households that own their home
62%
Effective property tax rate
0.84%

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

Numbers for all of Yakima County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,313
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
5%

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 Yakima County.

Everything about Yakima County

Buying

Buying a home in Union Gap

A typical home in Union Gap is worth $210,600: 32% below the county and 63% below Washington. With the typical household income in Union Gap ($59,651 a year), a typical home costs 3.5 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 Gap 3.5 years
  • Yakima 4.4 years
  • Washington 5.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Yakima County

According to FHFA’s house price index, home prices in Yakima County rose 105% in the 10 years through 2025.

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

Period County Washington U.S.
Last year (2025) +3.6% +1.8% +2.9%
5 years (2020–2025) +45% +44% +47%
10 years (2015–2025) +105% +113% +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 Gap next to Yakima County, Washington and the U.S.

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

Typical home value
  • Union Gap $210,600
  • Yakima $310,100
  • Washington $564,600
  • United States $332,700
Typical monthly rent
  • Union Gap $1,133
  • Yakima $1,109
  • Washington $1,760
  • United States $1,413
Typical yearly household income
  • Union Gap $59,651
  • Yakima $70,656
  • Washington $98,141
  • United States $80,734
See the full table
Union Gap next to Yakima County and Washington
Measure Union Gap Yakima County Washington U.S.
Typical home value $210,600 $310,100 $564,600 $332,700
Typical monthly rent $1,133 $1,109 $1,760 $1,413
Typical yearly household income $59,651 $70,656 $98,141 $80,734
Households that own their home 62% 62% 64% 65%
Typical yearly property tax $1,777 $2,463 $4,556 $3,119
Effective property tax rate 0.84% 0.79% 0.81% 0.94%

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

For a typical $210,600 home in Union Gap, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Union Gap's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,729a month

    Least cash to close
    Down payment
    $7,371
    Cash to close
    $13,689
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $93

  • Conventional, 5% down $1,691a month

    Down payment
    $10,530
    Cash to close
    $16,848
    Rate
    7.18%
    Mortgage insurance
    PMI · $100

  • Conventional, 20% down, no PMI $1,377a month

    Down payment
    $42,120
    Cash to close
    $48,438
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,571a month

    Down payment
    $31,590
    Cash to close
    $37,908
    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 Gap and for Yakima County.

Property tax

Effective rate in Union Gap

0.84%of the home’s value each year

$1,777 a year for the typical owner in Union Gap.

  • Union Gap 0.84%
  • Yakima 0.79%
  • Washington 0.81%

What Washington publishes Exemption for people 61 and older or with disabilities (Washington State Department of Revenue)

Exemptions and deadlines in Washington

Flood risk in Yakima County

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

Homes in the high-risk zone
5%
4,105
Of those, with NFIP insurance
16%
County Washington U.S.
Homes in the high-risk zone 5% 1.6% 3.5%
Of those, with NFIP insurance 16% 40% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Union Gap

Typical rent in Union Gap is $1,133 a month: 2% above the county.

HUD publishes a fair market rent for all of Yakima County, by unit size. To pay the 2-bedroom one ($1,313 a month) without spending more than 30% of your income, you would need to earn $25.25 an hour working full time.

HUD fair market rent for all of Yakima 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 $997 $19.17 $39,880
1 bedroom $1,004 $19.31 $40,160
2 bedrooms $1,313 $25.25 $52,520
3 bedrooms $1,818 $34.96 $72,720
4 bedrooms $2,049 $39.40 $81,960

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 Gap

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Union Gap is in ZIP code 98903.

For 2 bedrooms it is $1,440: $127 more than the fair market rent for Yakima County ($1,313).

  • 98903 $1,440$1,990

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 Gap 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?

Free help

Help to buy or rent in Union Gap

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 Yakima County; 2 say they serve in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Union Gap

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

Which programs do I qualify for? All programs in Washington

  • Home Advantage Downpayment Assistance

    Statewide in Washington

    Washington state commission 0% second mortgage for 3%, 4% or 5% of the first mortgage, with no monthly payments; you do not need to be a first-time buyer. Offered by Washington State Housing Finance Commission.

    Deferred

    See the program Official page

  • Covenant Homeownership Program

    Statewide in Washington

    Washington state commission loan with no monthly payments of up to 20% of the price (maximum $150,000) plus closing costs, for first-time buyers whose family lived in Washington before 1968 and belonged to a group affected by housing discrimination, including Hispanic people. Offered by Washington State Housing Finance Commission.

    Deferred

    See the program Official page

  • House Key Opportunity DPA

    Statewide in Washington

    Washington state commission loan of up to $15,000 at 1% simple interest, with no monthly payments, for the down payment and closing costs of first-time buyers with the House Key Opportunity mortgage. Offered by Washington State Housing Finance Commission.

    Deferred

    See the program Official page

Housing counselors near Union Gap

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

  • Oic of Washington

    815 Fruitvale Blvd, Yakima · 4 miles away · Spanish

    Also serves in Arabic, American Sign Language (ASL), Cambodian, Cantonese, and 18 more languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (509) 765-9206

  • Catholic Charities Housing Services

    5301 Tieton Dr, Yakima · 5 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (509) 759-7924

  • Tacoma/ Pierce County Habitat for Humanity

    4824 S Tacoma Way, Tacoma · 104 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    253-627-5626x120

Every agency in Yakima County All counseling agencies in Washington

Help in Spanish near Union Gap

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 Gap

In HUD’s record, no housing authority with an office in Yakima County is named for Union Gap or Yakima County.

2 other authorities have an office in Yakima County: see the list Source: HUD

Cities

Other cities in Yakima County

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

Everything about Yakima County Housing in Washington

Nearby cities

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

Neighboring counties

If Yakima 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 Gap.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Union Gap

Short answers with the numbers for Union Gap and all of Yakima 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 Gap?

The typical home value in Union Gap is $210,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Yakima County it is $310,100.

How much does it cost to rent in Union Gap?

Typical rent in Union Gap is $1,133 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Yakima County is $1,313.

What is the FHA loan limit in Union Gap?

Union Gap uses the FHA limit for all of Yakima 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 Gap?

The typical homeowner in Union Gap pays $1,777 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Yakima County, the rate is 0.79%.

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

There are 2 HUD-approved counseling agencies with an office in Yakima County. 2 say they serve 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).