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Union market report · September 2026
Union, KY Home Sales Report: September 2026
Union resale prices rose 4.4% and resale sales increased 15.2% from January to September 2026 compared with the same months last year, although homes took longer to sell.
Union resale homes sold for a median of $475,000 from January to September 2026, up 4.4% from the same months last year, while resale sales increased 15.2%. Union's September 2026 resale median was $500,000, down 4.8% from September 2025, adding a softer monthly comparison to an otherwise stronger year-to-date market. Sellers still have favorable supply conditions, but pricing discipline matters more than the headline price trend alone suggests.
Key findings
- Union recorded 311 resale sales from January to September 2026, with a median price of $475,000 and median market time of 14 days.
- Union resale homes sold for a median of $500,000 in September 2026, down 4.8% from September 2025.
- Union's July to September 2026 resale median reached $500,000, the highest median in the supplied 7-quarter series.
- Union had 2.8 months of supply as of 2026-10-19, with 105 active resale listings, 49 active new-construction listings and 65 pending listings.
- Union resale homes priced from $650K to $799K had a median market time of 8 days from January to September 2026, the fastest price band.
- Union resale homes sold after a price reduction took a median of 47 days from January to September 2026, compared with 6 days for sales without a reduction.
Year-to-date resale gains remain the main story
Union resale homes sold for a median of $475,000 from January to September 2026, up 4.4% from the same months last year. Union recorded 311 resale sales from January to September 2026, an increase of 15.2%. Those results provide a broader foundation for a selling decision than the latest month's price movement alone.
Union resale median market time reached 14 days from January to September 2026, compared with 9 days during January to September 2025. Union resale sellers received an average of 97% of original list price from January to September 2026, compared with an average of 97.3% during the same months last year.
The combination is important: more resale homes closed at a higher median price, but the selling process took longer. The median is a measure of the homes that sold, not an appreciation estimate for every property. For an individual seller, recent comparable sales and current competing listings remain more useful than applying the citywide increase directly to a home.
September softened the annual comparison
Union recorded 31 resale sales in September 2026, down 6.1% from September 2025. Union's September 2026 resale median price was $500,000, down 4.8% from the same month last year. That monthly decline does not erase the year-to-date gain, but it does caution against assuming that every new listing can command a higher price than last year's comparable sales.
Union resale homes spent a median of 10 days on market in September 2026, compared with 9 days in September 2025. Union resale sellers received an average of 97% of original list price in September 2026, compared with an average of 97.7% in September 2025.
Union recorded 40 total sales in September 2026, down 13% from September 2025. The monthly picture therefore adds moderation to the year's stronger resale activity. A seller should read September as evidence of continued transactions with some negotiating room, rather than as either a sudden market reversal or permission to stretch an asking price.
The latest quarter leads the longer price series
Union resale homes sold for a median of $500,000 from July to September 2026, up 7.6% from July to September 2025. Union recorded 127 resale sales from July to September 2026, up 35.1% from the same quarter last year. The quarter supports the broader year-to-date finding that resale activity expanded even though September's annual comparison was softer.
Union's 7-quarter resale price series ending July to September 2026 ranged from a median of $432,000 in Q1 '25 to $500,000 in Q3 '26. The path was not a steady climb: the series included a late-year retreat followed by renewed gains. The latest quarter had the highest resale median and sales count in that supplied series.
Union resale median market time was 14 days from July to September 2026, compared with 8 days during July to September 2025. Higher prices and greater transaction volume therefore coexisted with a longer marketing period. Sellers should plan for that distinction rather than equating stronger prices with immediate offers.
Resale and builder inventory need separate comparisons
Union resale homes sold for a median of $475,000 from January to September 2026, while new-construction homes sold for a median of $525,322. Union's median market time from January to September 2026 was 14 days for resale homes and 11 days for new construction. The year-to-date figures show that builder sales were a meaningful, distinct part of the market rather than a substitute for resale comparables.
Union resale and new-construction homes each sold for a median of $500,000 from July to September 2026, but median market time was 14 days for resale and 53 days for new construction. Union's September 2026 new-construction median was $448,150 with a median market time of 238 days, compared with $500,000 and 10 days for resale homes.
For a resale seller, builder inventory adds competing choices at potentially overlapping price points. Compare the actual available homes, their condition, completion status and asking prices. Do not use builder market time as a forecast for a resale listing, or assume a citywide new-construction median describes direct competition for a particular property.
- Resale · 311 sales
- $475,000Median price, 14 days on market
- New construction · 100 sales
- $525,322Median price, 11 days on market
Supply favors sellers but does not remove competition
Union had 2.8 months of supply as of 2026-10-19, placing the market in seller's-market territory. Union's active inventory as of 2026-10-19 included 105 resale homes and 49 new-construction homes, with 65 listings pending. These are the current inventory conditions available for this report, not a reconstruction of September's closing-day inventory.
Union's supply calculation as of 2026-10-19 used 327 sales over the trailing 6 months and a monthly pace of 54.5 sales. Months of supply relates available inventory to the recent closing pace. It describes the overall balance, not how long any particular home will take to sell.
Limited supply supports sellers, but active listings still compete for attention and pending activity does not guarantee a result for an individual property. The inventory counts describe homes available for sale, including new construction; they are not a count of newly listed homes during September. Before setting an asking price, review which comparable homes remain available and which have moved into pending status.
Price bands show different speeds and levels of choice
Union resale homes priced from $650K to $799K sold fastest from January to September 2026, with a median market time of 8 days and an average of 98.6% of original list price. Union resale homes priced from $300K to $399K had a median market time of 10 days during January to September 2026, while that band had 1.1 months of supply as of 2026-10-19.
Union homes priced at $800K and up had the deepest price-band supply as of 2026-10-19, at 3.8 months. Union's $400K to $499K band had 3.3 months of supply as of 2026-10-19, and its resale sales took a median of 19 days from January to September 2026.
Union resale homes below $300K took a median of 29 days from January to September 2026, despite that band having 1.9 months of supply as of 2026-10-19. The practical lesson is that lower price does not automatically mean faster sale. Position the property against its actual price-band competition, then account for condition, features and the most relevant closed sales.
Price reductions reveal the clearest seller lesson
Union had 48 price-reduced active resale listings out of 105 as of 2026-10-19, representing 45.7% of active resale inventory. Union's median reduction among those reduced active resale listings was 3.5% as of 2026-10-19. A seller's market clearly does not prevent asking prices from needing adjustment.
Union recorded 107 resale sales after a price reduction from January to September 2026, representing 34.4% of resale closings. Union resale homes sold after a reduction took a median of 47 days from January to September 2026 and received an average of 93% of original list price. Union resale homes sold without a reduction took a median of 6 days from January to September 2026 and received an average of 99.1% of original list price.
These groups are not identical properties, so the figures do not prove that a reduction caused a longer sale or lower proceeds. They do show the practical risk of beginning above the market. Use comparable sales to establish a defensible launch price, monitor showing response and competing listings, and agree in advance on how to respond if the listing is not attracting meaningful interest.
46% of Union's active resale listings have cut their price. Homes that sold without a cut went in a median of 6 days.
48 of 105 active resale listings have a price cut, a median of 3.5%
Subdivision results help narrow the comparison
Union's Triple Crown Country Club led the named subdivisions in the year-to-date table with 23 sales from January to September 2026, all resale, and a median price of $585,000. Union's Ballyshannon and Triple Crown each recorded 10 sales from January to September 2026, with median prices of $476,200 and $696,250, respectively.
Union's Ballyshannon sales from January to September 2026 included 6 resales and 4 new-construction homes, while Triple Crown included 9 resales and 1 new-construction home. That mix matters when using the table: a subdivision median can reflect different property types and construction status rather than a uniform change in home values.
Union's Hempsteade recorded 5 sales from January to September 2026, with a median price of $465,000 and median market time of 3 days. That is a small subdivision sample, so use the broader year-to-date market alongside it. Start with the table to identify nearby activity, then narrow the comparison to similar properties. Keep Triple Crown and Triple Crown Country Club separate rather than combining their figures.
What Union sellers should do with this report
Union's January to September 2026 resale median market time of 14 days is a useful planning reference, not a deadline or promise. Allow time before listing for preparation, photographs and a careful review of comparable sales. The marketing period also does not describe the full time required to complete a transaction.
Union's 2.8 months of supply as of 2026-10-19 supports a confident listing strategy, but the price-reduction results argue against testing an unsupported asking price. Review active resale homes and relevant builder inventory together, then make the property's condition and presentation consistent with its price position.
The Caldwell Group recommends choosing a launch price supported by the closest sales, resolving visible maintenance concerns and establishing a response plan before going live. If interest is weak, reassess the price and presentation against current competition rather than relying on the citywide median. This report uses Union closed-sales and inventory figures supplied from Northern Kentucky MLS. It is a market guide, not an individual property valuation.
What it means if you're selling in Union
- Set the asking price from comparable resale closings and current competition, not by applying the citywide price increase to your home.
- Review nearby builder inventory before listing so your price and presentation account for available alternatives.
- Complete visible maintenance and photography preparation before launch rather than trying to correct a weak presentation after listing.
- Agree on a response plan for limited showing activity or repeated pricing feedback before the home goes live.
- Use subdivision and price-band results together, with extra caution when the local sales sample is small.
Union market questions
Are Union home prices going up or down?
Union resale homes sold for a median of $475,000 from January to September 2026, up 4.4% from the same months last year. Union's September 2026 resale median was $500,000, down 4.8% from September 2025. The broader year-to-date direction was higher, while the latest monthly comparison was softer.
How long does it take to sell a home in Union?
Union resale homes spent a median of 14 days on market from January to September 2026 and 10 days in September 2026. These are marketing-time medians for closed sales, not guarantees or estimates of the full transaction timeline.
Is Union a seller's market?
Union had 2.8 months of supply as of 2026-10-19, which places it in seller's-market territory. Union had 105 active resale listings and 49 active new-construction listings as of 2026-10-19, so sellers still need to account for competing homes.
What happens when Union sellers have to reduce their price?
Union resale homes sold after a price reduction took a median of 47 days from January to September 2026 and received an average of 93% of original list price. Union resale homes sold without a reduction took a median of 6 days during January to September 2026 and received an average of 99.1% of original list price. The comparison supports careful initial pricing, but it does not establish that a reduction caused the different outcomes.
How these numbers were made
Source: Northern Kentucky MLS (NKMLS), residential and multifamily listings where City is Union, pulled 2026-10-19. Resale and new construction are split on the MLS new construction flag. Prices are medians of closed sale prices. Days on market is the MLS days on market at sale, as a median. Sale to original list is the average of each sale price divided by its original list price. Months of supply is every active listing divided by the average monthly closings over the past 6 months, the same measure used across the site. Price bands and price reductions cover resale homes only. Subdivisions with fewer than 3 sales this year are left out. Prepared by The Caldwell Group | eXp Realty. Information is deemed reliable but not guaranteed.
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