What a Union City home costs each year
Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.
Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.
Starts at $36,500 of value before exemptions. Typical use.
- Property tax$1,045
2.863% of $36,500
- Electricity$1,267
1154 kWh a month $1,267
- Water and sewer$480
7,000 gallons a month on City of Union City water: water $16, sewer $21, stormwater user fee (residential) $3 a month
- Trash$261
96-gallon roll cart, weekly, $22 a month
- Home insuranceNot included
We don't have a typical premium for this city yet. Add yours with Adjust.
A typical Union City house costs about $3,100 a year: $1,040 property tax and charges, $480 water and sewer, $260 trash, $1,270 electricity; home insurance is not included (no typical premium yet). Estimated from public rates, not anyone's actual bill.
Rates checked Oct 29, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.
Ways to pay less
Nothing here applies to every house automatically. These are worth checking:
Money dates
- Property tax due by the last day of FebruaryTax payments are due annually by the last day of February.
- Late interestOne and one-half percent (1.5%) per month interest is assessed on late payments.
Who serves this house
- Water
- City of Union City water
- Inside city: base $7.68 a month; first 3,000 gallons included; $2.32 per 1,000 gallons from 3,000 to 25,999; $1.57 per 1,000 gallons above.
- Property tax
- 2.86% of value
- 2026 tax year (city 2026-27 levy); county rate as listed by the City
- Garbage
- Platform Waste Solutions
- Platform Waste Solutions provide community wide solid waste collection services for all residential, commercial and industrial roll off customers in the incorporate boundaries of Union City.
- Sewer
- City of Union City
- The City of Union City provides water, sewer, and refuse collection.
- Electricity
- Union City Energy Authority
- Union City Energy Authority serves around 6500 electric customers
Other TN cities
Clarksville home costsCollierville home costsColumbia home costsGallatin home costsLebanon home costsRed Bank home costsSignal Mountain home costsSmyrna home costsGermantown home costsJohnson City home costsOak Ridge home costsGoodlettsville home costsBartlett home costsLenoir City home costsEast Ridge home costsFairview home costsElizabethton home costsAlcoa home costsHendersonville home costsLa Vergne home costsMaryville home costsCollegedale home costsMillington home costsLawrenceburg home costsSoddy-Daisy home costsParis home costsPortland home costsMorristown home costsBristol home costsWhite House home costsCrossville home costsOakland home costsDyersburg home costsAthens home costsAtoka home costs
How these numbers are made
- City tax $1.6977 and Obion County $1.1653 per $100 of assessed value; residential assessed at 25%. The city levy funds city schools by direct appropriation.
- Water and sewer: City inside-city rates; the first 3,000 gallons are included in the water base.
- Electricity: UCEA base customer charge plus the average of the three seasonal energy charges (4 months each). The monthly TVA fuel cost adjustment is not published on the UCEA site and is NOT included.
- Gas: not modelled (see report); Atmos Schedule 210 $.1774 per Ccf plus the October 2026 Union City firm PGA $0.3102 per Ccf = $0.4876 per Ccf, divided by 1.037 therms per Ccf; customer charge weighted 7 months $24.80 and 5 months $22.80.
- Garbage: $21.75 residential monthly charge from the City's rate table (labelled effective July 1, 2018).
- Nothing here is legal, tax or insurance advice.
How Union City compares
A typical Union City house against the 36 Tennessee cities we cover, using the same default numbers as the total above.
| Per year | Union City | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 2.86% | 0.61% | higher than 35 of the other 35 Tennessee cities we cover |
| Water | $196 | $517 | lower than 34 of the other 35 Tennessee cities we cover |
| Sewer and utility-bill fees | $284 | $776 | lower than 35 of the other 35 Tennessee cities we cover |
| Trash | $261 | $240 | higher than 18 of the other 28 Tennessee cities we cover |
| Electricity and gas | $1,267 | $2,424 | lower than 35 of the other 35 Tennessee cities we cover |
| Total | $3,053 | $7,044 | lower than 35 of the other 35 Tennessee cities we cover |
Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.
Questions to ask your candidates
Each one starts from a number above. Any candidate can answer them.
1. Property tax rate
The fact: Union City's property tax rate is 2.86%, higher than 35 of the other 35 Tennessee cities we cover. The rate adds up every agency on the bill, not only the city.
Ask: "Property tax in Union City is 2.86%, higher than 35 of the other 35 Tennessee cities we cover. What should that money pay for first, and would you change anything about how it is set?"
2. Water
The fact: Water here costs about $196 a year at typical use, lower than 34 of the other 35 Tennessee cities we cover.
Ask: "Water here costs about $196 a year at typical use, lower than 34 of the other 35 Tennessee cities we cover. What drives that cost, and would you change anything?"
3. Sewer and utility-bill fees
The fact: Sewer and flat utility-bill charges here come to about $284 a year, lower than 35 of the other 35 Tennessee cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.
Ask: "Sewer and flat utility-bill charges here cost about $284 a year, lower than 35 of the other 35 Tennessee cities we cover. What drives that cost, and would you change anything?"
4. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $1,267 a year, lower than 35 of the other 35 Tennessee cities we cover. Rates are set mostly by the utility and the state.
Ask: "Electricity and gas here cost about $1,267 a year for a typical house, lower than 35 of the other 35 Tennessee cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Union City house costs
What is the property tax rate in Union City?
About 2.86% of the value before exemptions a year (2026 tax year (city 2026-27 levy); county rate as listed by the City), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Union City?
About $14,315 a year on $500,000 of the value before exemptions.
How much is the water bill in Union City?
About $40 a month for water and sewer at typical use (7,000 gallons a month) on City of Union City water.
How much does trash pickup cost in Union City?
$22 a month for a house.
How much does a house in Union City cost to run each year?
A typical Union City house costs about $3,100 a year: $1,040 property tax and charges, $480 water and sewer, $260 trash, $1,270 electricity; home insurance is not included (no typical premium yet). Estimated from public rates, not anyone's actual bill.