Downtown Union City, Union City Housing Market · 2026

Data through Aug 2026

Data curated by Melanie Tan, 8 Blocks Real Estate · How this data works

Downtown Union City, Union City Market Snapshot

Downtown Union City is a balanced market and tilting gently toward buyers. A good environment for thoughtful decisions on both sides:

Based on 10 homes sold in the 3 months ending August 2026. Includes all residential types (SFH, condo, townhouse, multi-family, and others). Enough to see the trend, but individual sales still move the median. Updated weekly.

Data through August 2026

SalesWhat are homes selling for?
Median Sale Price
$1.31M
▲ Up 13.6% from August 2025
Up $157K from August 2025
Homes Sold
10
Sold in the last 3 months. More sales = more reliable data.
Your CostWhat would you actually pay each month?
Monthly Payment
~$8,698/mo
7.28% · 30yr fixed · 20% down
Payment Breakdown
  • Principal & Interest$7,153
  • Property Tax$1,361
  • Insurance$183
CompetitionHow competitive is it right now?
Days on Market
14 days
▲ 6 more days than in August 2025
Homes sell in a week or two
Sale-to-List Ratio
101.1%
▼ Down from 103.2% in August 2025
Selling at or near asking price
% Sold Over Asking
40%
40% of homes sold above asking, some competition
Active Listings
13
▲ Up 329.9% from August 2025
About 3.8 months of supply. Moderate selection available

Market Trends

See how prices, monthly costs, and mortgage rates have moved in Downtown Union City.

Median Sale Price
Up 13.6% year-over-year in Downtown Union City. Based on 10 sales in the last 3 months.
Homes Sold
57% fewer homes sold than a year ago in Downtown Union City.
Total Monthly Payment
Estimated monthly cost is up 14% from a year ago in Downtown Union City, reflecting changes in both price and mortgage rates.

Includes principal, interest, estimated CA property tax (~1.25%), and estimated insurance (~$2,200/yr). HOA fees not included.

30-Year Fixed Mortgage Rate (National Avg.)
National average currently at 7.28%. Your actual rate depends on your credit, down payment, and loan type.

Frequently asked questions about Downtown Union City, Union City

Is now a good time to buy in Downtown Union City, Union City?

Downtown Union City, Union City is a balanced market that is tilting gently toward buyers. Both sides have reasonable leverage, contingencies are more common, and there is time to make thoughtful decisions.

How do Downtown Union City, Union City home prices compare to the Bay Area average?

At $1.31M, Downtown Union City, Union City's median sits about 26% below the Bay Area average of $1.78M. That average is skewed high by ultra-premium peninsula enclaves like Atherton and Woodside, so a more useful frame is that Downtown Union City, Union City is one of the more accessible corners of the Bay Area.

This is close to the Union City city-wide median of $1.26M.

By home type:

  • Single-family homes at $1.45M
  • Condos at $496K
  • Townhomes at $989K
What price range should I budget for in Downtown Union City, Union City?

Prices in Downtown Union City, Union City depend heavily on home type and specific neighborhood. Median sale prices by type:

  • Single-family homes at $1.45M
  • Condos at $496K
  • Townhomes at $989K

Individual listings vary widely based on location, size, and condition. The best calibration is to narrow to a few specific neighborhoods you are considering and look at recent sales there.

How competitive is Downtown Union City, Union City for buyers?

Downtown Union City, Union City is a balanced market where neither side dominates:

  • Homes sell about 1% above asking on average
  • 40% close above list price
  • 14 days typical time to go pending
  • 32% of listings have had a price reduction

Buyer strategy: contingencies are more accepted, and there is time to tour and negotiate without extreme pressure.

What will my total monthly cost be on a median-priced Downtown Union City, Union City home?

At $1.31M with 20% down at 7.28%, your estimated total monthly cost is approximately $8,698:

  • $7,153 principal and interest
  • $1,361 property tax (California 1.25% effective rate)
  • $183 homeowners insurance

HOA fees are extra. Condo buyers typically budget an additional $300 to $700 per month for HOA, and townhome HOAs run $200 to $500.

No noise, just a quick weekly read on what's going on in your market.

Melanie Tan
Melanie Tan
DRE #02250755
“I help Bay Area buyers and sellers make confident moves with the latest market data, real local expertise, and the patience to find what's actually right for you, not the fastest close.”
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