Updated · Property tax data: Census ACS 2024 5-year estimates · Transfer tax verified April 2026 · Methodology · Editorial policy
Union County's 1.14% median tax-to-value ratio falls in the middle 50% of US counties, close to the national median of 0.81%. Within Ohio's 88 counties, it's the 31st highest. On the county's median home value of $344,900, the typical homeowner pays $3,947 annually in property tax, $2,318 more than the national median of $1,629. At closing, Ohio's 0.40% combined real estate transfer tax adds roughly $1,380 on a median-priced home, typically paid by the seller. About 9.1% of the county lies within a FEMA flood hazard zone, worth checking msc.fema.gov for any specific address before buying.
Enter any purchase price to see the full cost breakdown for Union County.
The two rows above, added together: everything due at closing plus your first twelve months of ownership.
Moderate flood risk. Some neighborhoods require flood insurance. Check your property at msc.fema.gov.
All figures are estimates for planning purposes only. Mortgage payment assumes a 30-year fixed rate of 7.28%, the Freddie Mac PMMS average for the week ending October 1, 2026. Your lender will confirm the actual rate. Closing costs vary by lender and transaction. Consult a licensed real estate attorney and lender before making any financial decisions.
Ways buyers in Union County may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.
Shields up to $29,000 of market value from property tax for homeowners 65+ or permanently and totally disabled. 2026 income limit: $41,000 (Ohio adjusted gross income).
View official source →Veterans with 100% service-connected disability receive an enhanced homestead exemption of $58,000 off market value (no income limit).
View official source →2.5% reduction on property tax for owner-occupied primary residences (excludes commercial/rental). Automatic once homestead is established.
View official source →Last verified April 2026. Exemption amounts and eligibility change frequently. Always confirm with your county assessor before claiming.
Answers to common questions about buying a home in Union County.
There is no single property tax rate for Union County. The 1.14% figure commonly quoted is a county-wide median: the median annual property tax paid ($3,947) divided by the median home value ($344,900), from 2024 US Census ACS 5-year estimates. It is a statistic describing the county, not a rate levied on any particular property. Your own bill depends on your assessed value, the millage set by your overlapping taxing districts, any homestead or senior exemptions you qualify for, and special assessments. One thing to watch: the median reflects taxes actually paid by current owners, many of whom hold homestead exemptions and assessment caps, so a new buyer paying today's market price often pays more than 1.14% of the purchase price.
Ohio's combined real estate transfer tax is approximately 0.40% of the purchase price. On the median Union County home value of $344,900, this adds roughly $1,380 at closing. State Real Property Conveyance Fee $1/$1,000 (0.1%) per ORC 319.54(G)(3). Counties may add a permissive fee up to $3/$1,000 (0.3%) per ORC 322.02; most counties charge the full $3/$1,000. seller_rate 0.004 reflects the common state+county combined rate; actual county rates vary from 0.001 to 0.004.
Only in parts. About 9.1% of Union County's land area is within a FEMA Special Flood Hazard Area. Most homes are outside these zones, but worth verifying the specific address at msc.fema.gov.
On Union County's median home value of $344,900 with 20% down, buyer closing costs work out to roughly $4,763–$8,421, or 1.4–2.4% of the purchase price. That covers title insurance $800–$2,000; loan origination fee $1,380–$2,759; home appraisal $400–$700; home inspection $350–$600; recording fees $100–$300; prepaid mortgage interest $825; homeowners insurance (2 months) $250; property tax escrow (2-3 months) $658–$986. Transfer tax is listed separately. These are national ranges for each line item rather than Union County quotes, so treat them as a planning range and use the calculator above for your own purchase price.
Every county-specific figure on this page links to the exact public dataset it comes from. Verify the numbers yourself against the original source.
Source for the $3,947/yr median taxes paid (ACS 2024 5-year estimates, variable B25103_001E).
Source for the $344,900 median home value (variable B25077_001E). The 1.14% effective rate is median taxes paid divided by median home value.
Source for the transfer tax used in the calculator (buyer 0.00%, seller 0.40%). Verified April 2026.
Source for the county's flood hazard exposure (coastal and inland flood exposure area as a share of county area).
The national dataset behind the county report, including its technical documentation and release notes.
Look up a specific property's flood zone and insurance rate map before making an offer on a home in Union County.
Closing cost line items are national ranges, not county data. The methodology lists each range's source and the calculator's assumptions (mortgage rate, insurance, PMI).
Ohio property tax exemptions: official sources
Verified April 2026.
What every buyer should read before making an offer.
An HOA capped rentals at 10 of 50 homes and grandfathered the existing landlords. How to find rental restrictions before closing, and what they cost you.
Read the guide →A buyer closed on a house and only then found out about ongoing HOA lawsuits. Six checks you can run yourself before your contingencies expire.
Read the guide →HOA special assessment not on the disclosure? One buyer got a $15,000 bill the day after closing. How to catch it before, and what to do after.
Read the guide →