Union City, Michigan.
Typical home $171,040 (+3.2% in a year). Coldwater, MI metro.
to buy the typical home at today's mortgage rate — +$412 (+85%) since Jan 2020.
- 1 year
- Up $5,260 +3%
- $165,780$171,040 since Sep 2025
- 5 years
- Up $10,581 +7%
- $160,458$171,040 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Union City$898
- Michigan$1,384
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 54 years.
Typical home values in Union City, MI rose 3.2% over the past year — faster than the nation's +1.2%.
Living in Union City, Branch County, Michigan
Union City is a village of 1,714 people in Branch County. Half its households earn more than $62,788 a year and half less, against $63,724 across Branch County; 14% of its people live below the poverty line. 68% of its homes are lived in by their owners and 32% are rented. Unemployment in Branch County was 3.9% in August 2026, and the county had 1.0% more jobs in 2025 than the year before. The most residents work in manufacturing, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Union City is a village in Branch County, Michigan, with a small population and a young-leaning population by national standards. Most homes are lived in by their owners, and typical home values and household incomes sit a little below what they are across the county. Winters are cold and snowy, with January the coldest month, while July is the warmest and summers are comfortably warm. Rain and melted snow add up to a fair amount over the year.
Work. Residents work mainly in manufacturing, shops, schools, hospitals and social care, and professional and business services. Fewer adults hold a four-year degree than in many places, and the typical commute is fairly long, so many people travel some distance to work. Across Branch County, some of the largest workplaces are CFG - Coldwater Facility, Community Health Center Branch and Coldwater Community Schools.
Things to do. The Coldwater River runs in or beside town, a handy spot for a walk along the water. Farther afield, a longer drive brings you to Lyon Lake and the St. Joseph River for time on the water. Binder Park Zoo is also a longer drive away and makes a day out for visiting family.
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- 669households
- 17%of adults have a degree
- 14%below the poverty line
- 27 mintypical commute
- 7%work from home
What residents work in
Employed residents by industry, from the Census survey. Branch County had 15,400 jobs in 2025, 1.0% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 31° and lows near 16°; warmest in July, with highs near 82° and lows near 60°. About 43 inches of snow and 39 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Coldwater St. School weather station, 11 miles away (NOAA).
Largest workplaces in Branch County
- CFG - Coldwater FacilityPork carcasses, half carcasses, and primal and sub-primal cuts produced in slaughtering plants1,785
- WalmartGeneral warehousing and storage1,188
- Community Health Center BranchGeneral hospital345FTE
- Branch ISDSchool district332FTE
- Coldwater Community SchoolsSchool district315FTE
- Michigan Department of CorrectionsCorrectional institutions300
- ACMGray iron foundries293
- WalmartWarehouse clubs and supercenters289
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 44 workplaces with 20 or more staff, 7,000 people in all across the county; Union City has one of its own. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- HailRelatively moderate
- TornadoesRelatively moderate
- Cold wavesRelatively moderate
- LightningRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Union City’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Branch County and the Coldwater, MI metro.
Union City home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Union City$171,040
- Michigan$263,760
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Union City16
New listings per month
Sellers arriving at the market.
- Union City5
Zip codes with a Union City address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Union City — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.