Total monthly cost of ownership
Cost to Own a Home in Union City, Ohio
A $59,000 home here costs
$666per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $303. The real number is $363 higher every month — 120% 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 Darke County and Ohio
| Measure | Union City | Darke County |
|---|---|---|
| Median home value | $59,100 | $169,100 |
| Median property tax | $584 | $1,572 |
| Effective tax rate | 0.988% | 0.930% |
| Median gross rent | $625 | $747 |
| Population | 1,367 | 51,655 |
The weather behind that power bill
Union City sits in Darke County, which averages a high of 84.6°F in its hottest month and a low of 19.0°F in its coldest, with 40.26" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 933 cooling and 5,672 heating degree days, which is what sets the $175 electricity line above.
See the full climate breakdown for Darke County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Darke County
Common questions
How much does it cost to own a home in Union City?
A $59,000 home in Union City, Ohio costs approximately $666 per month with 20% down at 6.66%. That is $303 principal and interest, $49 property tax, $22 homeowners insurance, $243 utilities and $49 set aside for maintenance.
What is the property tax rate in Union City?
Union City has an effective property tax rate of 0.988%, based on a median home value of $59,100 and median real estate taxes of $584. That is higher than the Darke County average of 0.930%.
What is the average home price in Union City?
The median owner-occupied home value in Union City, Ohio is $59,100, against $169,100 across Darke County.
Is it cheaper to rent or buy in Union City?
Median gross rent in Union City is $625 a month, against $666 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 Ohio.
- 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.