Union, Kentucky.
Typical home $470,731 (+3.8% in a year). Cincinnati, OH-KY-IN metro.
to buy the typical home at today's mortgage rate — +$1,248 (+102%) since Jan 2020.
- 1 year
- Up $17,086 +4%
- $453,645$470,731 since Sep 2025
- 5 years
- Up $74,722 +19%
- $396,008$470,731 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$2,471
- Kentucky$1,212
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 20 years.
Typical home values in Union, KY rose 3.8% over the past year — faster than the nation's +1.2%.
Living in Union, Boone County, Kentucky
Union is a city of 7,416 people in Boone County. Half its households earn more than $136,712 a year and half less, against $99,414 across Boone County; 3% of its people live below the poverty line. 82% of its homes are lived in by their owners and 18% are rented. Unemployment in Boone County was 3.6% in August 2026, and the county had 2.5% more jobs in 2025 than the year before. The most residents work in schools and health care, 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 It can be wrong or out of date.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 is a small city in Boone County where most homes are lived in by their owners, and where incomes run well above the county's and few households fall below the poverty line. Residents tend to be middle-aged, and a large share of adults hold a four-year degree. Winters are cold, with a fair amount of snow, and summers are warm.
Work. Many residents work in schools, hospitals and social care, in shops, in professional and business services, and in manufacturing. Across Boone County, some of the largest workplaces are Boone County Schools, Amazon and FedEx. Commutes are fairly typical for the area, and a good number of people work from home.
Things to do. Big Bone Lick State Park, a protected area, and the Florence Y'all Water Tower, a tourist attraction, are both a short drive away. A longer drive brings you to the Cincinnati Zoo and Botanical Garden and the Cincinnati Art Museum. Paycor Stadium is also a longer drive away for those who enjoy a game.
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- 2,626households
- 59%of adults have a degree
- 3%below the poverty line
- 26 mintypical commute
- 22%work from home
What residents work in
Employed residents by industry, from the Census survey. Boone County had 105,521 jobs in 2025, 2.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 40° and lows near 23°; warmest in July, with highs near 86° and lows near 66°. About 23 inches of snow and 45 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cincinnati Northern Ky Airport weather station, 7 miles away (NOAA).
Largest workplaces in Boone County
- Boone County SchoolsSchool district2,935FTE
- AmazonGeneral warehousing and storage2,230
- FedExCourier and express delivery services1,414
- AmazonCouriers and express delivery services1,158
- AmazonCouriers and express delivery services936
- UPSCouriers and express delivery services916
- Delta Air Lines - CVGScheduled air transportation879
- St. Elizabeth FlorenceGeneral hospital784FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 284 workplaces with 20 or more staff, 42,719 people in all across the county; Union has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- Cold wavesVery high
- TornadoesVery high
- Strong windRelatively high
- LightningRelatively high
- Ice stormsRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Union’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Boone County and the Cincinnati, OH-KY-IN metro.
Union home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Union$470,731
- Kentucky$230,909
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 2 Union listings, and the typical home goes pending in 24 days — the market is cooling.
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
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Union40.39%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Union24
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Union124
New listings per month
Sellers arriving at the market.
- Union35
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Union$469,495
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Union99.29%
Zip codes with a Union address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Union — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.