The story of this market
The typical home in Union County, North Carolina sells for about $523,000, or $215 per square foot.
Prices are up +3.4% from a year ago, so sellers still have some momentum. Homes take about 51 days to sell. Over the long run, values in this county have grown 149% since 2000. Last year 33 of 47 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is ice storm, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,785 a month.
HUD sets the fair market rent for a 2-bedroom at $1,785 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Price climate
Every year of price change, 2000–2025
+0.7%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+23.2%). Worst: 2010 (-6.4%). Hover to read a year.
Monthly price momentum
Home values since 2015
+2.7%
NC · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$2,179
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+0.7%
2025 change
FHFA repeat-sales index, median of 47 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
65
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $110,331,104.
Mortgage activity
Home lending in this county
78.2%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 14924 | 8147 | 78.2% | 3.5% | $265,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Union County, North Carolina
The Union County housing market shows resilience with moderate price appreciation and steady demand. While inventory remains tight, the area continues to attract families seeking quality schools and proximity to Charlotte, driving a stable market environment.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2025) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 13 cities · 9 ZIP reports
Median prices moved up 3.7% year over year.
Homes spend a median of 62 days on market with 0.1 months of supply — a fast-moving market.
1% of listings have cut prices · homes sell at 96.93% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 6.8% — a stable, low-distress profile.
Deterministic aggregate of 8 researched ZIP reports of 9 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Union County, North Carolina — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 29
researched Sep 29
researched Oct 8
researched Oct 1
researched Oct 8
researched Oct 4
researched Oct 4
researched Oct 8
researched Sep 29
| 28079 | Indian Trail | $447,232 | $221 | +3.9% | 62 | 97% | — | — | 478 | $2,025 | researched Sep 29 |
| 28103 | Marshville | $328,419 | $222 | +2.5% | 45 | 98.5% | 16.6% | 3 | 12 | $1,145 | researched Sep 29 |
| 28104 | Matthews | $656,556 | $222 | +3.4% | 49 | 98.5% | 28% | 3.2 | 232 | $2,250 | researched Oct 8 |
| 28105 | Matthews | $503,700 | $234 | -7.6% | 58 | 100% | — | — | 389 | $1,765 | researched Oct 1 |
| 28110 | Monroe | $433,555 | $205 | -3.6% | 60 | 98.5% | 35% | 7.7 | 473 | $2,092 | researched Oct 8 |
| 28111 | Monroe | — | — | — | — | — | — | — | — | — | researched Oct 4 |
| 28112 | Monroe | $431,500 | $213 | +10.2% | 57 | — | — | 6.6 | 53 | $1,155 | researched Oct 4 |
| 28173 | Waxhaw | $704,610 | $240 | +0.3% | 49 | 99% | 15% | 4.7 | 605 | $2,450 | researched Oct 8 |
| 28174 | Wingate | $281,167 | $185 | -27.5% | 69 | — | — | — | 39 | $1,149 | researched Sep 29 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Union County generally reports lower crime rates compared to the broader Charlotte metropolitan area, with suburban communities maintaining stable safety profiles.
The county is served by the highly-regarded Union County Public Schools system, which consistently ranks among the top-performing districts in North Carolina.
The area faces standard regional risks including severe thunderstorms and occasional tropical remnants, with flood insurance recommended for properties in designated low-lying zones.
Economic momentum is driven by its proximity to Charlotte, significant residential development in towns like Waxhaw and Weddington, and a growing base of professional services and healthcare employers.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (North Carolina) — Tax Lien Attachment: A tax lien attaches to all real property, taking priority over all other liens and encumbrances regardless of when they were created. State (North Carolina) — Ad Valorem Property Tax: Tax is calculated by multiplying the assessed value of the property by the combined state and local tax rate. The formula is: Tax = (Assessed Value / 100) * Tax Rate.
The economy is anchored by manufacturing, healthcare, and professional services, benefiting from its integration into the Charlotte regional labor market.
The county relies heavily on highway corridors like US-74 and I-485 for access to the Charlotte employment core.
The Union County Tax Assessor conducts periodic revaluations to ensure property assessments align with current market values.
The county includes various municipal service districts and fire tax districts that provide localized infrastructure and emergency services.
Property insurance premiums are influenced by regional weather patterns and the proximity to the coast, with standard coverage widely available.
- Carowinds4.425.3 mi
- Activate Games4.917.8 mi
- Ray’s Splash Planet4.427.3 mi
- Big Air Trampoline Park4.517.8 mi
- Spare Time Pineville4.421.8 mi
- Bank of America Stadium4.626.7 mi
- Spectrum Center4.526.2 mi
- Truliant Amphitheater4.428.8 mi
- NASCAR Hall of Fame4.726.1 mi
- Charlotte Convention Center4.526.3 mi
- Regal Stonecrest at Piper Glen4.417.9 mi
- Cinemark Bistro Charlotte4.418.1 mi
- The Bowl at Ballantyne4.619.1 mi
- Activate Games4.917.8 mi
- McAlpine Creek Park4.718.7 mi
- Optimist Hall4.726.2 mi
- NASCAR Hall of Fame4.726.1 mi
- Discovery Place Science4.526.4 mi
- Museum of Illusions Charlotte4.526.4 mi
- Billy Graham Library4.927.2 mi
- McAlpine Creek Park4.718.7 mi
- Colonel Francis J. Beatty Park4.714.2 mi
- Cane Creek Park4.710.2 mi
- Elon Homes Park4.617.9 mi
- Crooked Creek Park4.810 mi
- Stonebridge Golf Club4.45 mi
- Eagle Chase Golf Club4.613.1 mi
- The Divide Golf Club3.214.4 mi
- Emerald Lake Golf Club3.914.8 mi
- Charlotte National Golf Club4.213.7 mi
- Super G Mart Charlotte4.419.2 mi
- The Bowl at Ballantyne4.619.1 mi
- Marshalls & HomeGoods3.916.6 mi
- Sprouts Farmers Market4.418.7 mi
- Publix Super Market at Ballantyne Town Center4.618.9 mi
- Charlotte Douglas International Airport3.930.3 mi
- The Club CLT3.330.2 mi
- Taxi Charlotte. NC Yellow Taxi Charlotte3.530 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A large regional park featuring a lake, camping, and extensive trails.
A historic district known for its charm, local boutiques, and dining options.
A premier golf facility serving the local community.
Data retrieved from data.census.gov
applies when — Applies to parcels where the title holder has created or is subject to recorded easements, restrictions, or conditions.
Imposes binding limitations on the use, development, or maintenance of the parcel as defined in the recorded instrument.
N.C. Gen. Stat. § 39-6.4
A tax lien attaches to all real property, taking priority over all other liens and encumbrances regardless of when they were created.
N.C. Gen. Stat. § 105-355
applies when — Applies to parcels governed by a Homeowners' Association (Chapter 47F) or Condominium Association (Chapter 47C) where assessments remain unpaid.
Associations may file a claim of lien and foreclose in a manner similar to a mortgage under power of sale, or through a civil action.
N.C. Gen. Stat. § 47F-3-116 and § 47C-3-116
Allows for non-judicial foreclosure, though it requires a hearing before the Clerk of Superior Court to authorize the sale. Borrowers are entitled to a pre-foreclosure notice at least 45 days prior to the filing of a notice of hearing for primary residences.
N.C. Gen. Stat. Chapter 45, Article 2A and Article 11
Tax is calculated by multiplying the assessed value of the property by the combined state and local tax rate. The formula is: Tax = (Assessed Value / 100) * Tax Rate. Assessment is based on the true value in money, with counties required to conduct revaluations at least every eight years.
N.C. Gen. Stat. Chapter 105, Article 12 (2025)
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.