How much do homeowners pay a month in Union, NJ?

Name: Homeowner costs in Union, NJ, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Union, NJ pay a median of $3,529 (±$1,562) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,346 (±$37).

79.7% of owned homes carry a mortgage.

Figures last updated on November 12, 2026.

With a mortgage: $3,529 (±$1,562)
Without a mortgage: $1,346 (±$37)
Owned with a mortgage: 79.7%

Monthly owner costs in Union

Median selected monthly owner costs, estimate (90% margin of error)
	Union	Union County	New Jersey	United States
With a mortgage	$3,529 (±$1,562)	$3,203 (±$36)	$2,829 (±$8)	$1,963
Without a mortgage	$1,346 (±$37)	$1,438 (±$24)	$1,232 (±$6)	$638
Owned homes with a mortgage	79.7% (±17.1 points)	67.4% (±1.0 points)	63.9% (±0.2 points)	60.6%
Median real estate taxes (a year)	$10,000 or more	$10,000 or more	$9,590 (±$25)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Union, the median cost with a mortgage is not measurably different from Union County ($3,203).

It is not measurably different from New Jersey ($2,829).

It is higher than the national figure ($1,963).

In Union County, Union ranks 2 of 4 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 34 of 247.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

Median monthly cost with a mortgage in places near Union

Nearest places with a published estimate, compared with Union
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Union	—	$3,529 (±$1,562)	—
Kenilworth Borough	1.6 mi	$2,770 (±$198)	Not measurably different
Vauxhall	1.6 mi	$2,729 (±$309)	Not measurably different
Hillside Township	2.1 mi	$2,780 (±$122)	Not measurably different
Roselle Park Borough	2.2 mi	$2,871 (±$102)	Not measurably different
Springfield	2.4 mi	$3,668 (±$153)	Not measurably different
Maplewood Township	2.6 mi	$3,979 (±$196)	Not measurably different
Irvington Township	2.7 mi	$2,489 (±$231)	Not measurably different
Roselle Borough	3.1 mi	$2,734 (±$125)	Not measurably different

None of the nearby places differs measurably from this one on this figure.

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Union County, place by place

Rank	Place	Median monthly cost with a mortgage
1	Springfield	$3,668 (±$153)
2	Union	$3,529 (±$1,562)
3	Cranford	$3,130 (±$385)
4	Vauxhall	$2,729 (±$309)

Union is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

It lies inside Union Township (Union County), whose figures include it.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Union

What is the average mortgage payment in Union?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Union, NJ is $3,529 (±$1,562) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Union?

Owners without a mortgage in Union pay a median of $1,346 (±$37) a month in taxes, insurance, utilities and fees.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Union CDP, New Jersey (place:74478, in state:34).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.