Union City, OH—45390
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Union City, OH
As of Oct '25, the median home price in Union City, OH is $141,000, with a year-over-year change of 2.0%. This indicates that home prices in Union City, OH are increasing. According to Zillow, the 1-year price projection is 4.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $141,000 | 2.0% |
| Single Family | $141,000 | 2.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $102,000 | -7.3% |
3 Bed | $147,000 | 2.8% |
4 Bed | $216,000 | 5.9% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Union City, OH
Union City, OH lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $500 | $500 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $500 | $500 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Union City, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Union City, OH is 46. This is a decrease of -47.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 50.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $89,000 | -4.0% |
Listing Count | 12 | 227.0% |
| Listings as % of Homes | 0.6% | 227.0% |
Days on Market | 46 | -47.0% |
Demographics — Union City, OH
As of the latest ACS Survey released in 2023, Union City, OH has a population of 3,350, which has increased by 1.9% over the past 5 years. Union City, OH is a moderately popular place for families, as children make up 24.4% of the population. The area has a poorly educated workforce, with 11.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,350 | 1.9% |
% Under 18 | 24.4% | -16.2% |
% Seniors | 18.0% | 4.7% |
% WFH | 5.8% | 31.8% |
% w/ College Degree | 11.4% | 132.7% |
As of the latest ACS Survey released in 2023, Union City, OH is a predominantly white area, with 87.6% of the population identifying as white. The white population has grown by 3.2% in the last 5 years. The second most common race or ethnicity in Union City, OH is hispanic, making up 8.8% of the population. Foreign-born residents account for 1.8% of the population in Union City, OH, and this percentage has decreased by 33.3% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 87.6% | 3.2% |
% Black | 0.3% | -82.4% |
% Hispanic | 8.8% | -29.0% |
% Asian | 1.9% | ∞% |
% Foreign Born | 1.8% | -33.3% |
Mortgage and Risk — Union City, OH
According to HUD data as of 2023, there were 63 mortgage originations in Union City, OH, of which 65.0% of loans were conventional mortgages. The average loan-to-value was 67.0%, with 38.0% above 90% LTV (very high). This implies large mortgage risk in Union City, OH. Investor activity is low, as 3.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 63 |
% Conventional Loans | 65.0% |
% Government Loans | 35.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Union City, OH
Union City, OH lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 118 |
Total Units Section 8 | 118 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 92.3% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $270 | $500 | $770 |
| 2 Bedroom | N/A | N/A | $910 |
| 3 Bedroom | N/A | N/A | $1,220 |
| 4 Bedroom | N/A | N/A | $1,260 |
Affordability — Union City, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.6 |
| Median Home Price | $141,000 |
| Median Household Income | $47,000 |