Can You Afford a Home in Union, WA?
A typical home in Union is worth $523,111, up 0.2% over the past year. That is $65K above the Mason County typical of $458,604.
Assumes housing costs stay at 33% of gross income — the sustainable middle, not the maximum a lender would approve. A typical home in Union costs $523,111. Rates as of 5 September 2026; they move weekly and your quote will differ.
What each income level buys in Mason County
Prices below are what keeps housing at 33% of gross income, using Mason County’s 0.73% effective property tax rate. The Conventional column assumes 20% down; the zero-down columns finance the funding fee into the loan.
| Household income | Conventional | VA | Zero-down CU | FHA |
|---|---|---|---|---|
| $75,000 | $323,000 | $266,000 | $244,000 | $260,000 |
| $100,000 | $442,000 | $364,000 | $334,000 | $356,000 |
| $125,000 | $561,000 | $463,000 | $424,000 | $452,000 |
| $150,000 | $680,000 | $561,000 | $514,000 | $548,000 |
| $200,000 | $918,000 | $757,000 | $694,000 | $740,000 |
How Union compares to nearby towns
| Town | Typical home | Year over year | Income needed |
|---|---|---|---|
| Lilliwaup | $367,599 | +0.1% | $84,000 |
| Shelton | $430,027 | -0.1% | $98,000 |
| Tahuya | $444,032 | +1% | $100,000 |
| Belfair | $488,770 | -0.2% | $110,000 |
| Union (this page) | $523,111 | +0.2% | $117,000 |
| Allyn | $543,982 | -0.4% | $121,000 |
| Grapeview | $634,351 | +1.9% | $140,000 |
If Union is out of reach, Lilliwaup, Shelton, Tahuya, Belfair sit lower in the same county — same commute shed, same schools district-by-district, less money.
What this does not tell you
These are typical values, not listings. Half the homes in Union sell for less than $523,111, and condos and townhomes sit well below it. Property tax is a county-wide effective rate, so your parcel will differ. Insurance is a state average. Run your own numbers with your own quote before you take any of this as settled.