Total monthly cost of ownership
Cost to Own a Home in Union City, Pennsylvania
A $101,000 home here costs
$1,035per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $519. The real number is $516 higher every month — 99% 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 Erie County and Pennsylvania
| Measure | Union City | Erie County |
|---|---|---|
| Median home value | $101,000 | $169,500 |
| Median property tax | $1,635 | $2,754 |
| Effective tax rate | 1.619% | 1.625% |
| Median gross rent | $733 | $876 |
| Population | 2,911 | 269,544 |
The weather behind that power bill
Union City sits in Erie County, which averages a high of 81.1°F in its hottest month and a low of 21.3°F in its coldest, with 42.98" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 752 cooling and 5,905 heating degree days, which is what sets the $194 electricity line above.
See the full climate breakdown for Erie County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Erie County
Full Erie County cost breakdown · Every county in Pennsylvania
Common questions
How much does it cost to own a home in Union City?
A $101,000 home in Union City, Pennsylvania costs approximately $1,035 per month with 20% down at 6.66%. That is $519 principal and interest, $136 property tax, $34 homeowners insurance, $262 utilities and $84 set aside for maintenance.
What is the property tax rate in Union City?
Union City has an effective property tax rate of 1.619%, based on a median home value of $101,000 and median real estate taxes of $1,635. That is in line with the Erie County average of 1.625%.
What is the average home price in Union City?
The median owner-occupied home value in Union City, Pennsylvania is $101,000, against $169,500 across Erie County.
Is it cheaper to rent or buy in Union City?
Median gross rent in Union City is $733 a month, against $1,035 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 Pennsylvania.
- 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.