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City · 5,036 residents · Racine County, Wisconsin

Union Grove , Wisconsin

In Union Grove, a typical home is worth $277,400 and typical rent is $1,143 a month. Compared with all of Racine County, typical household income is 38% higher, the typical home value is 10% higher, and the share of households that own their home is 22 points lower.

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  • Typical home value

    $277,400

    10% above the county

    4% above Wisconsin

    • Union Grove
    • Racine
    • Wisconsin

  • Typical rent

    $1,143a month

    6% above the county

    5% above Wisconsin

    • Union Grove
    • Racine
    • Wisconsin

  • Typical household income

    $107,482a year

    38% above the county

    39% above Wisconsin

    • Union Grove
    • Racine
    • Wisconsin

  • Households that own their home

    49%

    22 points below the county

    19 points below Wisconsin

    • Union Grove
    • Racine
    • Wisconsin

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

Market now, with Zillow data

Zillow data
Typical home value
$339,808
6.3% more than 12 months ago

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

Union Grove is in Racine 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 Racine County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Union Grove apart

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

  1. Union Grove has the smallest share of rent-burdened renters of the 141 cities in Wisconsin with more than 5,000 people: 22%.

  2. 49% of households in Union Grove own their home, against 71% in Racine County.

  3. The typical household income in Union Grove is $107,482, 38% more than in Racine County as a whole ($78,096).

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

The homes here

Housing in Union Grove

What homes there are in Union Grove, 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 Grove, 6 in 10 homes are single-family detached houses; in Racine County, 7.

Year built

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

$1,792 a month

Racine County: $1,691 a month

Without a mortgage

$720 a month

Racine County: $690 a month

Owners with a mortgage

71%

Racine County: 66%

In Union Grove, 71% of owners have a mortgage, and their typical cost is $1,792 a month, against $1,691 in Racine County. Without one it drops to $720.

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 Grove rose 59% since 2015–2019, more than in Racine County (43%).

Since 2015–2019, the typical rent in Union Grove rose 30%, more than in Racine County (26%).

While home values in Union Grove changed +59% and rent +30%, the typical household income rose 60%.

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 GroveRacine CountyWisconsinUnited States
Rental vacancy Unreliable estimate5.7%4.5%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.5%0.9%
More than one person per room Unreliable estimate1.4%1.7%3.4%
People per household 2.312.392.332.53
Drive alone 82%77%74%69%
Carpool Unreliable estimate9%7%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%3%3%
Work from home Unreliable estimate10%13%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes10 to 19 minutes20 to 29 minutes

A household in Union Grove has 2.31 people on average, about the same as in Racine County (2.39).

To get to work, 82% of workers in Union Grove drive alone; in Racine County, 77%.

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 Grove?

A typical home is within reach of the typical income

We start with a typical home in Union Grove, worth $277,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Union Grove, which is $107,482 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Union Grove. 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 $9,709 (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

$2,430

at 7.18% · 30 years

Loan amount
$272,376
Total interest
$391,885
Paid off in
November 2056

Includes $4,685 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,508 a month

    Your payment · 27%

  • Tight

    $2,508 to $3,224 a month

  • Hard

    more than $3,224 a month

Compared with the typical household income in Union Grove ($107,482 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,430
Principal & interest$1,845
Property tax$347
Home insurance$116
FHA mortgage insurance (MIP)$123

You need at least $9,709 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 Grove and Racine County

Union Grove is in Racine County, Wisconsin. 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 Grove's own numbers

Typical home value
$277,400
Typical monthly rent
$1,143
Typical yearly household income
$107,482
Households that own their home
49%
Effective property tax rate
1.5%

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

Numbers for all of Racine County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,283
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
0.8%

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 Racine County.

Everything about Racine County

Buying

Buying a home in Union Grove

A typical home in Union Grove is worth $277,400: 10% above the county and 4% above Wisconsin. With the typical household income in Union Grove ($107,482 a year), a typical home costs 2.6 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 Grove 2.6 years
  • Racine 3.2 years
  • Wisconsin 3.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Racine County

According to FHFA’s house price index, home prices in Racine County rose 104% in the 10 years through 2025.

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

Period County Wisconsin U.S.
Last year (2025) +7.9% +5.4% +2.9%
5 years (2020–2025) +57% +57% +47%
10 years (2015–2025) +104% +96% +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 Grove next to Racine County, Wisconsin and the U.S.

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

Typical home value
  • Union Grove $277,400
  • Racine $251,400
  • Wisconsin $266,500
  • United States $332,700
Typical monthly rent
  • Union Grove $1,143
  • Racine $1,080
  • Wisconsin $1,087
  • United States $1,413
Typical yearly household income
  • Union Grove $107,482
  • Racine $78,096
  • Wisconsin $77,485
  • United States $80,734
See the full table
Union Grove next to Racine County and Wisconsin
Measure Union Grove Racine County Wisconsin U.S.
Typical home value $277,400 $251,400 $266,500 $332,700
Typical monthly rent $1,143 $1,080 $1,087 $1,413
Typical yearly household income $107,482 $78,096 $77,485 $80,734
Households that own their home 49% 71% 68% 65%
Typical yearly property tax $4,173 $4,099 $3,792 $3,119
Effective property tax rate 1.5% 1.63% 1.42% 0.94%
Renters with high rent for their income 22% 43% 44% 51%

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

For a typical $277,400 home in Union Grove, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Union Grove's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,430a month

    Least cash to close
    Down payment
    $9,709
    Cash to close
    $18,031
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $123

  • Conventional, 5% down $2,379a month

    Down payment
    $13,870
    Cash to close
    $22,192
    Rate
    7.18%
    Mortgage insurance
    PMI · $132

  • Conventional, 20% down, no PMI $1,966a month

    Down payment
    $55,480
    Cash to close
    $63,802
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,222a month

    Down payment
    $41,610
    Cash to close
    $49,932
    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 Grove and for Racine County.

Property tax

Effective rate in Union Grove

1.5%of the home’s value each year

$4,173 a year for the typical owner in Union Grove.

  • Union Grove 1.5%
  • Racine 1.63%
  • Wisconsin 1.42%

What Wisconsin publishes Lottery and Gaming Credit for your primary residence (Wisconsin Department of Revenue)

Exemptions and deadlines in Wisconsin

Flood risk in Racine County

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

Homes in the high-risk zone
0.8%
465
Of those, with NFIP insurance
46%
County Wisconsin U.S.
Homes in the high-risk zone 0.8% 1.4% 3.5%
Of those, with NFIP insurance 46% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Union Grove

Typical rent in Union Grove is $1,143 a month: 6% above the county. In Union Grove, 22% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Racine County, by unit size. To pay the 2-bedroom one ($1,283 a month) without spending more than 30% of your income, you would need to earn $24.67 an hour working full time.

HUD fair market rent for all of Racine 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 $926 $17.81 $37,040
1 bedroom $1,036 $19.92 $41,440
2 bedrooms $1,283 $24.67 $51,320
3 bedrooms $1,639 $31.52 $65,560
4 bedrooms $1,984 $38.15 $79,360

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 Grove

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Union Grove is in ZIP code 53182.

For 2 bedrooms it is $1,350: $67 more than the fair market rent for Racine County ($1,283).

  • 53182 $1,350$1,730

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 Grove 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 Grove

HUD lists one building with rents for lower incomes in Union Grove.

  • Hillpark Heights I 1380 Park Pl, Union Grove 53182 40 low-income homes · For older adults (262) 878-4201

See all 51 buildings in Racine County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Union Grove

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 is 1 HUD-approved agency with an office in Racine County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Union Grove

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

Which programs do I qualify for? All programs in Wisconsin

  • WHEDA Easy Close Advantage DPA

    Statewide in Wisconsin

    Wisconsin state agency second mortgage for the down payment: up to 6% of the price, over 10 years with a monthly payment and the same rate as the WHEDA first mortgage. Offered by Wisconsin Housing and Economic Development Authority (WHEDA).

    Repayable

    See the program Official page

  • WHEDA Capital Access DPA

    Statewide in Wisconsin

    Limited funds remain, per the source

    $7,500 loan from the Wisconsin state agency for the down payment and closing costs, over 30 years, at 0% and with no monthly payments, alongside a WHEDA mortgage; limited funds, first come, first served. Offered by Wisconsin Housing and Economic Development Authority (WHEDA).

    Deferred

    See the program Official page

Housing counselors near Union Grove

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

  • City of Kenosha Housing Authority

    625-52nd ST., Room 98, Kenosha · 14 miles away · Spanish

    Also serves in other languages.

    • Budget and credit workshops
    • Pre-purchase counseling
    • and 2 more
    (262) 653-4120

  • Housing Resources, Inc-Racine

    500 Wisconsin Ave. Suite 205, Racine · 14 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (262) 636-8271

  • United Community Center

    1028 S. 9th Street, Milwaukee · 24 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (414) 384-3100

Every agency in Racine County All counseling agencies in Wisconsin

Help in Spanish near Union Grove

3 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 Grove

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

  • Housing Authority of Racine County Section 8 vouchers (262) 636-3405

All housing agencies in Wisconsin Source: HUD

Cities

Other cities in Racine County

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

Everything about Racine County Housing in Wisconsin

Nearby cities

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

Neighboring counties

If Racine 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 Grove.

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

Questions

Housing questions about Union Grove

Short answers with the numbers for Union Grove and all of Racine 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 Grove?

The typical home value in Union Grove is $277,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Racine County it is $251,400.

How much does it cost to rent in Union Grove?

Typical rent in Union Grove is $1,143 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Racine County is $1,283.

What is the FHA loan limit in Union Grove?

Union Grove uses the FHA limit for all of Racine 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 Grove?

The typical homeowner in Union Grove pays $4,173 a year, according to the U.S. Census Bureau. That is 1.5% of the home’s value; in Racine County, the rate is 1.63%.

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

There is 1 HUD-approved counseling agency with an office in Racine 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).