Housing decision brief
Union County, SC Housing Market
Union County screens as a below-state purchase price, below-state rent, a manageable tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
8th lowest home value out of 46 South Carolina counties with data | 10th lowest rent out of 46
Median home value
$100,000
Purchase-price signal from Census ACS.
Median rent
$770/mo
Gross rent, including utilities where reported.
Monthly owner cost
$494/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
2.4x
Median home value divided by local household income.
Rent burden
27.0%
Below 30% usually screens as less pressured.
Rent vs own
$276/mo
Median owner cost screens below median rent.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Lower purchase price
$100,000 median home value is 37% below South Carolina county median
Lower rent
$770/mo is 12% below South Carolina county median
Rent burden below pressure line
27.00% of renter income goes to rent, below the 30% burden threshold.
Owning screens cheaper than renting
Median owner costs are $276/mo below median rent before individual mortgage terms.
What to Check
Lower income base
$41,200 median income is 26% below South Carolina county median
Water quality cross-check
Water quality grade is F. Review water data before treating housing cost as the full story.
Health context
Health score is 18.3 out of 100, so affordability should be weighed against local health indicators.
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Buyers comparing homes to local incomes
- Households weighing ownership against renting
- Remote earners or cash buyers looking below the state price line
Poor Fit For
- Households dependent on a deep local wage market
- Buyers who will not investigate local water systems before moving
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Union County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $100,000 | $158,600 | $281,900 | 37% favorable37% below South Carolina county median |
Median gross rent Lower usually helps affordability. | $770 | $878 | $1,163 | 12% favorable12% below South Carolina county median |
Monthly owner cost Lower usually helps affordability. | $494 | $694 | $1,672 | 29% favorable29% below South Carolina county median |
Median household income | $41,200 | $55,754 | $74,755 | 26% pressure26% below South Carolina county median |
Effective property-tax rate Lower usually helps affordability. | 0.56% | 1.00% | 1.02% | 44% favorable44% below South Carolina county median |
Rent burden Lower usually helps affordability. | 27.00% | 29.00% | N/A | 7% favorable27.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$10,400
Median income minus rent threshold.
Owner cushion
+$20,029
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Housing in Union County is affordable. The median rent is $770/month against a median household income of $41,200, putting rent at 22.4% of income.
Rent vs own
At $770/month rent versus $494/month in owner costs, owning is roughly $276/month cheaper , a 36% difference.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $30,800/year. For owner costs at the 28% rule, the required income is roughly $21,171/year. With a median household income of $41,200, most households can comfortably afford rent here. Notably, 27.0% of renter households in Union County are cost-burdened, spending more than 30% of income on housing.
Regional context
Union County sits 11% more expensive than Barnwell County ($695/month) in terms of median gross rent.
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Williamsburg County, SC | $95,100 | $769/mo | Same-state comparison near $95,100 home value and $769/mo rent. |
| Bamberg County, SC | $96,000 | $794/mo | Same-state comparison near $96,000 home value and $794/mo rent. |
| Hampton County, SC | $102,400 | $815/mo | Same-state comparison near $102,400 home value and $815/mo rent. |
| Lee County, SC | $101,900 | $806/mo | Same-state comparison near $101,900 home value and $806/mo rent. |
| Barnwell County, SC | $97,200 | $695/mo | Same-state comparison near $97,200 home value and $695/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Union County
Is Union County affordable for buying a home?
Is renting or owning cheaper in Union County?
How much income do you need for housing in Union County?
What should I double-check before moving to Union County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.