Total monthly cost of ownership
Cost to Own a Home in Union City, Georgia
A $223,000 home here costs
$1,776per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,146. The real number is $629 higher every month — 55% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Union City against Fulton County and Georgia
| Measure | Union City | Fulton County |
|---|---|---|
| Median home value | $223,100 | $431,200 |
| Median property tax | $1,632 | $3,847 |
| Effective tax rate | 0.732% | 0.892% |
| Median gross rent | $1,213 | $1,635 |
| Population | 27,300 | 1,068,507 |
The weather behind that power bill
Union City sits in Fulton County, which averages a high of 90.0°F in its hottest month and a low of 33.5°F in its coldest, with 48.13" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 1,826 cooling and 2,775 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Fulton County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fulton County
Common questions
How much does it cost to own a home in Union City?
A $223,000 home in Union City, Georgia costs approximately $1,776 per month with 20% down at 6.66%. That is $1,146 principal and interest, $136 property tax, $97 homeowners insurance, $210 utilities and $186 set aside for maintenance.
What is the property tax rate in Union City?
Union City has an effective property tax rate of 0.732%, based on a median home value of $223,100 and median real estate taxes of $1,632. That is lower than the Fulton County average of 0.892%.
What is the average home price in Union City?
The median owner-occupied home value in Union City, Georgia is $223,100, against $431,200 across Fulton County.
Is it cheaper to rent or buy in Union City?
Median gross rent in Union City is $1,213 a month, against $1,776 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Union City — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Georgia.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.