What to know before you move: cost, market timing, who it fits.
Moving to Missouri: the honest read
Missouri is a more economically varied state than its national image suggests. Kansas City (jazz, barbecue, an unexpectedly strong startup scene, a downtown that's improved a lot) and St. Louis (struggling population-wise but with a stronger institutional base than people credit — Wash U, the medical complex, the Cardinals) are two genuinely different metros, and Springfield in the southwest is the third significant urban center. The income tax tops out around 4.8% with planned reductions, property taxes are below the national average, and home prices in most of the state are genuinely cheap. Tornado season is real and Missouri is in the actual alley. Winters are mild by Midwest standards but ice storms cause more damage than snow. The state has gotten politically more conservative quickly, which has shifted the cultural feel especially in the rural areas between the metros. Healthcare access outside the cities is thinning as rural hospitals close.
If you're considering a move to Union, MO, the most important variables are the local housing market, the cost structure (taxes, insurance, utilities), and how well the city fits your day-to-day life. This page summarizes the housing market read; pair it with the cost of living page for the full picture.
Union is a city in Franklin County, Missouri, with an estimated population of 13,198. It anchors the St. Louis metro area. The population grew 1.7% annually from 2020 to 2024, a moderate gain. The median home value in Union is $256,693 as of 2026-04, up 3.5% over the last 12 months. Over the last five years, home values have averaged +5.6% annual growth, with prices at or near the 5-year peak. Rents in Union average $1,184 per month. The composite momentum score is 73 of 100 (Rising). Prices have been trending up and the market has been clearing.
Quiet strength: prices near or at all-time highs (+0.0% from 5-year peak).
Reasons people move here
- Healthy 5-year run: +5.6% annualized over 5 years, outpacing US inflation.
- Quiet strength: +3.5% over the trailing year — not a melt-up, but the market is bid.
- Net positive migration: population up 1.7% per year — demand fundamentals are intact.
- Held the highs: currently +0.0% from the 5-year peak — this market refused to give back gains.
Things to know first
- Local nuance: city-level data smooths over neighborhood differences. School zones, HOA rules, and street-level character matter — visit before deciding.
- Local nuance (school zones, neighborhood quality) varies block by block — visit before deciding.
More about Union
What this move will cost
Real upfront cash to land in Union, plus what you’ll carry month to month.
Cash to move in (renting)
| Rental | Typical rent | Cash to sign (1st + deposit) |
|---|---|---|
| Studio | $924/mo | $1,848 |
| 1-bed | $1,042/mo | $2,084 |
| 2-bed | $1,184/mo | $2,368 |
| 3-bed | $1,444/mo | $2,888 |
If you buy near the local median of $256,693, plan on about $2,464/yr in property tax (~$205/mo) at Missouri’s effective rate of 0.96%. Lenders escrow this on top of principal & interest.
Getting your stuff here
| Move size | Local movers (<100 mi) | Long-distance (1,000 mi+) |
|---|---|---|
| 1-bed home | $500–$1,100 | $1,700–$3,700 |
| 2-bed home | $900–$2,000 | $2,800–$6,000 |
| 3-bed home | $1,300–$2,800 | $4,000–$8,500 |
DIY truck rental instead of movers: about $150–$600 local, $1,200–$3,500 one-way long-distance, plus fuel. Ranges are national averages — your quote moves with exact distance, stairs/elevator access, and season (summer is priciest).
Your relocation checklist
The official, no-cost places to handle the paperwork after you decide on Union.
- Driver’s license & vehicle registrationOpen DMV →
New Missouri residents usually have 30–90 days to switch — confirm the exact deadline at the Missouri Driver License (Dept. of Revenue). - Forward your mailUSPS change of address →
File a USPS change of address ($1.10 identity-verification fee) a week or two before you move. - Register to voteRegister / update →
Update your registration to your new Union address — the official, no-cost portal routes you to Missouri. - Turn on utilitiesFind providers →
Line up electric, gas, water/sewer, trash, and internet to start on move-in day. - Check the school districtLook up by address →
Enrollment is by address — confirm which schools serve the home you’re considering before you sign. - Update your address everywhere elseIRS address change →
Bank, insurance, employer/payroll, IRS, and your state tax agency. Auto and renters/home insurance rates can change with the ZIP.
Daily life in Union
Climate
Summers run warm (highs near 88°F) and winters are chilly (highs near 39°F), with about 16″ of snow a year.
Natural-hazard & insurance risk
Insurance heads-up: in Union, flood damage isn’t covered by standard home insurance — budget for a separate NFIP/private flood policy and check the FEMA flood zone for the exact address.
Getting around
The average commute is 26 min — about the US average of ~27 min; 9% of workers are remote; 61% own their home.
Sources: Zillow ZHVI (home values), Zillow ZORI (rents), US Census ACS + place population. Updated when source agencies publish revisions.