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Market MapOhioUnion

Union County

OhioPopulation: 63,411
57
/100
Hold
#605 of 1,000 counties
#83 in Ohio (88 counties)

Market Snapshot

$401,002
Median Home Price
47% above national median
$1,534/mo
Median Rent
2% above national median
4.59%
Rent-to-Price Ratio
Top 84% nationally
-$1,105
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$401,002
Down Payment (20%)$80,200
Loan Amount$320,802
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,534
Monthly P&I-$2,102
Est. Expenses (35%)-$537
Net Cash Flow-$1,105/mo
3.0%
Cap Rate (all cash)
-14.4%
Cash-on-Cash Return
4.59%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.0% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
57/100
57
Cash Flow(30%)
39/100

Based on 4.59% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
72/100

Based on 2.2% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
72/100

Price-to-income ratio of 3.8x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (4.59%)
  • -Negative cash flow at typical financing (-$1,105/mo)
  • -Negative leverage (cap rate 3.0% < mortgage rate 6.9%)

Economic Indicators

Population
63,411
Median Income
$104,496
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
3.8x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
LickingOH
60$327,794$1,6305.97%BuyView
PickawayOH
60$318,045$1,4045.30%BuyView
FranklinOH
59$288,459$1,4786.15%HoldView
CurrentUnionOH
57$401,002$1,5344.59%Hold
OttawaOH
57$265,986Est. pending—HoldView
FairfieldOH
55$354,420$1,4724.98%HoldView

The Bottom Line

HoldUnion is a neutral market. Consider house hacking or targeting below-market deals.

Union County in Ohio scores 57/100, ranking #605 of 1,000 US counties (top 60%). The 4.59% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-1,105/mo
Cap Rate
3.0%
Cash-on-Cash
-14.4%

Ready to Analyze a Deal in Union?

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