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Union City

Union City is a city in Alameda County, California, located in the eastern part of the San Francisco Bay Area, between Oakland and San Jose. It is part of the San Francisco–Oakland–Hayward Metropolitan Statistical Area. As of 2020, the population of Union City was approximately 74,000. The city offers a blend of suburban living with access to major highways, making it convenient for commuters to the Silicon Valley and San Francisco. Union City features parks, recreational facilities, and a vibrant community, with a rich cultural diversity and a variety of shopping and dining options.

Union City FAQ's

Who Pays For Closing Costs In Union City?

In Union City, California, closing costs are typically shared between the buyer and seller. Buyers usually cover loan origination fees, appraisal fees, home inspection costs, title insurance, escrow fees, and property taxes for the portion of the year after closing. Sellers are generally responsible for the real estate agent’s commission, title insurance (seller’s policy), escrow fees, transfer taxes, and any repairs or concessions. However, the division of costs can be negotiated, so both parties should review the closing statement to confirm responsibilities.

Property taxes in Union City, California, are calculated based on the property’s assessed value, following the guidelines set by Proposition 13. Under Proposition 13, the general property tax rate is capped at 1% of the property’s assessed value. However, additional local taxes and voter-approved measures, such as bonds for schools or infrastructure, can add approximately 0.25% to 0.75%, resulting in an effective total property tax rate of around 1.1% to 1.25%.

Key Points About Property Taxes in Union City:
  • Initial Assessment: When a property is purchased, its assessed value is generally set at the purchase price.
  • Annual Increases: Proposition 13 limits the annual increase in assessed value to 2%, regardless of changes in market value.
  • Supplemental Taxes: If there are significant improvements to the property (e.g., renovations or new construction), supplemental property taxes may apply.
  • Mello-Roos: Some neighborhoods in Union City may be subject to Mello-Roos taxes, which are special assessments used to fund infrastructure and community services.
Example:

For a home purchased at $750,000:

  • Base tax: $7,500 (1% of $750,000).
  • Additional local taxes: ~$1,000 to $3,000.
  • Total property tax: $8,500 to $10,500 annually.


To get a precise estimate, you can consult Alameda County’s property tax resources or use their online property tax calculator.

Yes, Union City, California, does have areas with Mello-Roos districts. Mello-Roos is a special tax assessment that is levied on properties in specific districts to finance infrastructure and community services such as schools, parks, and roads. This tax is typically imposed on newly developed areas or areas that require funding for public services that benefit the residents.

If you are considering purchasing a property in Union City, it’s important to check if the property is located within a Mello-Roos district, as this could add an additional cost to your property taxes. You can usually find this information through the property’s disclosure documents, or by contacting the Union City government or Alameda County Assessor’s office for details about specific properties and Mello-Roos assessments.

To switch utilities in Union City, California, you will need to contact the following utility providers:

  1. Electricity & Gas (PG&E)

    • Customer Service: 1-800-743-5000
    • Website: www.pge.com
      PG&E provides both electricity and natural gas services to Union City residents. To switch services, you can call or visit their website to transfer service to a new address.

  2. Water & Sewer (Union City)

    • Customer Service: 510-471-3232
    • Website: Union City Public Works
      The City of Union City handles water and sewer services. Contact their Public Works Department to start, stop, or transfer water and sewer services.

  3. Waste & Recycling (Republic Services)

    • Customer Service: 510-657-3500
    • Website: Republic Services
      Republic Services provides trash, recycling, and yard waste collection. Contact them to arrange service transfer.


For seamless service transition, make sure to notify the utility providers in advance, and confirm dates for switching or disconnecting services.

Union City, California, is served by several school districts, and the ratings for schools vary depending on the specific district and individual schools. However, Union City generally offers a mix of public, private, and charter schools with varying levels of performance.

Key School Districts in Union City:

  1. New Haven Unified School District: This is the primary school district serving Union City. It includes several elementary schools, middle schools, and James Logan High School. Many of the schools in this district have received average to above-average ratings based on academic performance, test scores, and overall student outcomes.

  2. Other Schools: In addition to public schools, Union City is home to several private schools and charter schools, some of which also have good reputations for academic achievement and extracurricular offerings.

School Ratings:

  • James Logan High School: The high school in Union City, part of New Haven Unified School District, generally receives average to good ratings on platforms such as GreatSchools. Test scores, college readiness, and overall academic performance are typical indicators used to assess the school.

  • Elementary & Middle Schools: The elementary and middle schools in the New Haven district tend to have varying ratings, with some schools receiving higher marks for academic programs and student support, while others may face challenges such as overcrowding or lower test scores.

Resources for Ratings:

You can check ratings for specific schools in Union City on websites like:


These resources provide detailed ratings, reviews, and other metrics like academic performance, extracurricular activities, and school environment.

Rent in Union City, California, tends to be higher than the national average due to its location in the San Francisco Bay Area, which has one of the most expensive real estate markets in the country. However, compared to nearby cities like Fremont, Oakland, and San Jose, Union City may offer somewhat more affordable rental options.

Average Rent Prices (as of 2024):
  • Studio Apartments: $1,700 – $2,200 per month
  • 1-Bedroom Apartments: $2,200 – $2,700 per month
  • 2-Bedroom Apartments: $2,800 – $3,400 per month
  • 3-Bedroom Apartments: $3,500 – $4,200 per month
  • Single-Family Homes: $3,800 – $5,000+ per month, depending on the location and amenities


Rent prices in Union City can fluctuate depending on factors like the neighborhood, apartment size, and the specific amenities offered. Newer apartments or those located near transit options, such as the Union City BART station, may command higher rents.

To find specific rental listings, you can check online rental platforms like Zillow, Apartments.com, or Craigslist, and keep in mind that rent prices may vary based on availability and market demand.

Union City, California, has a variety of public transportation options to help residents and commuters get around the Bay Area.

Key Public Transportation in Union City:

  1. BART (Bay Area Rapid Transit):

    • Union City BART Station: The Union City BART station is a key transit hub in the city. It connects Union City to Oakland, San Francisco, and other parts of the Bay Area. It’s a convenient option for commuters traveling to and from the East Bay and San Francisco.
    • Website: www.bart.gov

  2. AC Transit (Alameda-Contra Costa Transit District):

    • Bus Services: AC Transit operates several bus routes through Union City, providing connections to surrounding cities like Fremont, Hayward, and Oakland. Routes include local services and express buses for commuters.
    • Website: www.actransit.org

  3. LAVTA (Livermore-Amador Valley Transit Authority):

    • The Rapid Bus: LAVTA provides limited bus service connecting Union City to neighboring cities such as Livermore, Dublin, and Pleasanton, offering commuters more options within the East Bay.
    • Website: www.wheelsbus.com

  4. Fremont and Union City Paratransit Services:

    • For senior citizens or individuals with disabilities, there are paratransit services available to provide door-to-door transportation options.
    • Website: Check with AC Transit or the city of Union City for specific eligibility and services.
Other Transportation Options:
  • Ride-Sharing Services: Uber, Lyft, and other ride-sharing services are widely available in Union City.
  • Biking: Union City has various bike paths and routes for cyclists. Bike-sharing services like Lime may also be available for short-distance travel.


For schedules, fares, and more information, you can visit the respective transit websites.

Yes, there are several tutorial and tutoring services available in Union City, California. These services cater to students of various age groups and academic levels, from elementary school to college. Below are some options for tutoring services in Union City:

1. Kumon
  • Subject Focus: Math and Reading
  • Description: Kumon offers individualized math and reading programs that help students develop skills at their own pace.
  • Location: There are Kumon centers in Union City that provide in-person sessions.
  • Website: www.kumon.com
2. Sylvan Learning Center
  • Subject Focus: Math, Reading, Writing, SAT/ACT Prep, Study Skills
  • Description: Sylvan Learning provides personalized tutoring services for a wide range of subjects. They also offer test prep and study skills programs.
  • Location: Sylvan Learning has centers nearby in Fremont and Hayward, which are accessible to Union City residents.
  • Website: www.sylvanlearning.com
3. Tutor Doctor
  • Subject Focus: Various academic subjects, including Math, Science, English, and more
  • Description: Tutor Doctor offers private, in-home tutoring sessions for students of all ages, from elementary school to college.
  • Location: Services are provided at the student’s home, including Union City.
  • Website: www.tutordoctor.com
4. Varsity Tutors
  • Subject Focus: Wide range of subjects including standardized test prep (SAT, ACT, GRE), STEM, languages, and more
  • Description: Varsity Tutors offers both in-person and online tutoring options tailored to students’ needs.
  • Website: www.varsitytutors.com
5. Union City Public Library Tutoring Services
  • Description: The Union City Library often offers free tutoring or homework help programs during the school year. They may also host workshops or educational events for students.
  • Location: Union City Library
  • Website: www.unioncitylibrary.org
6. Local Independent Tutors
  • Many independent tutors in Union City offer personalized tutoring for a variety of subjects. You can often find these tutors through local community boards, social media platforms like Facebook, or websites such as Wyzant or Thumbtack.
  • Websites: www.wyzant.com | www.thumbtack.com


These services cater to a wide range of academic needs, and it’s worth comparing different options based on your specific needs and preferences.

Union City, California, offers a variety of religious facilities catering to different faiths. Here are some of the key religious institutions in the area:

1. St. Anne Catholic Church
  • Denomination: Roman Catholic
  • Services: Sunday Mass, daily Mass, religious education, and community events.
  • Location: 32223 Cabello St, Union City, CA 94587
  • Website: www.stannechurch.org
2. New Hope International Church
  • Denomination: Christian (Non-denominational)
  • Services: Worship services, Bible studies, and community outreach programs.
  • Location: 34044 7th St, Union City, CA 94587
  • Website: www.newhopeic.org
3. First Presbyterian Church of Union City
  • Denomination: Presbyterian
  • Services: Sunday worship services, Bible study, youth programs, and fellowship events.
  • Location: 33825 2nd St, Union City, CA 94587
  • Website: www.fpcuc.org
4. Union City Hindu Temple
  • Denomination: Hinduism
  • Services: Puja services, religious festivals, and community outreach programs.
  • Location: 34285 Alvarado-Niles Rd, Union City, CA 94587
  • Website: www.uc-hindutemple.org
5. Masjid Al-Rahman
  • Denomination: Islam
  • Services: Friday prayer (Jumu’ah), daily prayers, Quran classes, and community events.
  • Location: 40500 Albrae St, Union City, CA 94538
  • Website: www.masjidalrahman.org
6. Congregation B’nai Shalom
  • Denomination: Judaism
  • Services: Shabbat services, religious education, and social programs.
  • Location: 4200 Tassajara Rd, Dublin, CA 94568 (Nearby Dublin, but serves Union City residents)
  • Website: www.bnaishalom.org
7. Church of Jesus Christ of Latter-Day Saints (LDS)
  • Denomination: Mormon (Latter-Day Saints)
  • Services: Sunday worship services, youth programs, and family activities.
  • Location: 32075 Alvarado-Niles Rd, Union City, CA 94587
  • Website: www.churchofjesuschrist.org
8. Union City Seventh-Day Adventist Church
  • Denomination: Seventh-Day Adventist
  • Services: Saturday worship services, Bible study, and youth programs.
  • Location: 31650 Alvarado Blvd, Union City, CA 94587
  • Website: www.ucsdachurch.org


These religious institutions offer a range of services, from worship and religious education to community engagement. They are an integral part of the Union City community, supporting spiritual, social, and cultural activities for their members.

In Union City, California, several programs are designed to help first-time homebuyers and residents with various needs. These programs typically focus on providing financial assistance, education, and resources for individuals navigating their first time in specific areas, such as homeownership, education, or business development.

1. First-Time Homebuyer Programs

  • Union City First-Time Homebuyer Assistance Program: This program helps eligible first-time homebuyers with down payment assistance to purchase a home in Union City. The assistance is typically in the form of a low-interest loan.

    • Eligibility: Low- to moderate-income households.
    • Details: Provides up to $100,000 in assistance for qualified buyers.
    • Contact: City of Union City Housing Division.
    • Website: Union City Housing Programs

  • California Housing Finance Agency (CalHFA) Programs: CalHFA offers various assistance programs to first-time homebuyers, such as down payment and closing cost assistance and affordable loan options.

2. First-Time Business Owner Assistance

  • Small Business Development Center (SBDC): For first-time business owners, the SBDC offers training, mentoring, and resources to help navigate the challenges of starting and running a business.

    • Services: Business planning, marketing, financial management, and access to funding opportunities.
    • Website: SBDC – Alameda County

  • Union City Economic Development Division: Offers resources and programs for new businesses, including access to grants and low-interest loans for business startups.

3. First-Time Homebuyer Education Courses
  • NeighborWorks Bay Area: NeighborWorks offers first-time homebuyer education workshops and counseling to prepare individuals for the homebuying process.
4. First-Time Car Buyer Programs
  • First-Time Car Buyer Programs at Local Credit Unions: Some credit unions offer special loan programs to help first-time car buyers with lower interest rates and more favorable terms.
    • Examples: Alameda County Credit Union and Patelco Credit Union.
5. First-Time Parent Resources
  • First 5 Alameda County: Offers programs and services for first-time parents, including parenting education, child development resources, and community engagement opportunities.
6. Union City Library – First-Time Student Programs
  • Library Youth Programs: The Union City Library offers programs for first-time students, such as homework help, reading programs, and educational workshops.


These programs are designed to help first-time residents, buyers, business owners, and parents in Union City. To take advantage of these opportunities, it is recommended to check eligibility requirements and deadlines to ensure that you qualify for the program.

Buying a home in Union City, California, involves several steps and considerations, from determining your budget to closing the deal. Here’s an overview of the key factors to keep in mind:

1. Market Overview

Union City is part of the San Francisco Bay Area, known for its high demand and competitive real estate market. The city offers a variety of housing options, from single-family homes to townhouses and condominiums, making it appealing to different types of buyers. Housing prices in Union City can be high due to its proximity to major job centers like San Francisco and Silicon Valley.

2. Getting Pre-Approved for a Loan

Before beginning your home search, it’s essential to get pre-approved for a mortgage. This helps you understand how much you can borrow and sets a realistic budget. It also makes you a more attractive buyer when making an offer.

  • Local Lenders: Consider working with lenders familiar with the area and its housing market, such as local banks, credit unions, or mortgage brokers.
  • Loan Options: Look into various mortgage options like conventional loans, FHA loans, or VA loans (if eligible). Union City’s median home price may require larger down payments, so understanding your loan eligibility is crucial.
3. Down Payment Assistance

First-time homebuyers may be eligible for down payment assistance programs, including:

  • Union City First-Time Homebuyer Assistance Program: Provides up to $100,000 in assistance for low- to moderate-income households purchasing a home in Union City.
  • California Housing Finance Agency (CalHFA): Offers down payment assistance programs for first-time buyers.
4. Selecting a Neighborhood

Union City has several neighborhoods, each with its own character. Popular areas include:

  • Alvarado: Offers a mix of single-family homes and condominiums, known for its proximity to the BART station and parks.
  • Decoto: A residential area with larger homes and quiet streets, perfect for families.
  • Union City Hill: Known for scenic views and larger homes, it is one of the more upscale areas.

Research each neighborhood’s schools, public transportation options, and proximity to amenities like parks, shopping centers, and restaurants.

5. Hiring a Real Estate Agent

A local real estate agent familiar with Union City’s market can guide you through the buying process. They can help you identify homes within your budget, schedule showings, and negotiate on your behalf.

6. Making an Offer

Once you find a home you’re interested in, your real estate agent will help you make an offer. Offers are often competitive, so it’s important to consider the list price, your budget, and the current market conditions when making your bid.

  • Contingencies: Include contingencies in your offer, such as a home inspection and financing, to protect yourself in case issues arise during the buying process.
7. Home Inspection and Appraisal

After your offer is accepted, a home inspection and appraisal will be required:

  • Home Inspection: Ensures that the home is in good condition and identifies any potential problems that need to be addressed before closing.
  • Appraisal: Lenders require an appraisal to confirm that the home’s value matches the purchase price, ensuring you’re not overpaying.
8. Closing the Deal

Closing involves finalizing all paperwork, securing financing, and transferring ownership of the property. During this process:

  • Review Closing Costs: Expect to pay closing costs, which include lender fees, title insurance, escrow fees, and property taxes.
  • Sign the Documents: Once everything is in order, you’ll sign the necessary documents to finalize the purchase.
9. Property Taxes

Property taxes in Union City are based on the property’s assessed value and are typically around 1.1% to 1.25% of the assessed value annually. Be sure to budget for these ongoing costs.

10. Post-Purchase Considerations

After purchasing your home, make sure to:

  • Set Up Utilities: Contact the appropriate utility companies to set up water, gas, electricity, and internet services.
  • Homeowner’s Insurance: It’s mandatory to have homeowner’s insurance, and you may also want to consider additional coverage for earthquake or flood insurance.


By following these steps and working with professionals, buying a home in Union City can be an exciting and rewarding experience.

Selling a home in Union City, California, involves several important steps and considerations. Here’s an overview of the process:

1. Prepare Your Home for Sale

Before listing your property, it’s important to make it as appealing as possible to potential buyers:

  • Repairs and Upgrades: Address any needed repairs or renovations, such as fixing leaks, repainting, or upgrading outdated appliances. Even small upgrades, like landscaping or freshening up the interior with a new coat of paint, can increase the home’s appeal.
  • Staging: Consider staging your home to showcase its best features. Professional staging can make the home more attractive to buyers and help them envision how the space can be used.
  • Cleaning: A deep cleaning, including carpets, windows, and surfaces, can make a big difference in the home’s presentation.
2. Hire a Real Estate Agent

A local real estate agent who understands the Union City market can help you navigate the selling process. They will assist with pricing your home, marketing, negotiations, and paperwork.

  • Market Knowledge: An experienced agent knows the local market trends, including comparable home prices (comps), which is critical for setting an appropriate asking price.
  • Marketing: Your agent will create a marketing plan, which may include professional photography, online listings, open houses, and advertising in local media.
3. Price Your Home Competitively

Setting the right asking price is crucial. If you price too high, your home might sit on the market for too long. If you price too low, you might not get the return you’re hoping for. Your real estate agent will use comparable sales data and market conditions to help you set a competitive price.

  • Competitive Market: Union City’s proximity to major job centers like Silicon Valley and San Francisco means there can be a lot of competition. Keep this in mind when pricing your home.
4. List the Home

Once you’ve prepared your home and set a price, your agent will list your property on the Multiple Listing Service (MLS) and other real estate platforms. The MLS ensures that your property is seen by as many potential buyers as possible.

  • Online Listings: Buyers often begin their search online, so high-quality photos and a well-written description are essential.
  • Open Houses: Hosting open houses can allow potential buyers to see the home in person and ask questions directly.
5. Showings and Offers

After listing your home, expect to schedule showings for interested buyers. Your agent will coordinate the appointments and help ensure that your home is shown at its best.

  • Review Offers: Once buyers are interested, they will submit offers. You can either accept, reject, or counter these offers. Consider not only the offered price but also the buyer’s financial position, contingencies, and proposed closing timeline.
6. Negotiation and Acceptance

Once you’ve received offers, your agent will help you negotiate the terms that best meet your needs. This could involve counter-offers or negotiating certain contingencies like home inspection or repair requests.

  • Contingencies: These are conditions that the buyer must meet to finalize the sale. Common contingencies include financing, home inspections, or appraisal conditions. You can accept, reject, or negotiate these terms.
7. Escrow and Closing

Once an offer is accepted, you’ll enter the escrow process:

  • Home Inspection: The buyer will likely conduct a home inspection to ensure the property is in good condition. If issues arise, they might request repairs or credits.
  • Appraisal: If the buyer is using a loan, the lender will require an appraisal to confirm the home’s value. If the appraisal comes in lower than the purchase price, you may have to adjust the price or negotiate.
  • Closing: Once all contingencies are met, the closing process begins. You’ll sign the necessary documents, including the deed of sale, and transfer ownership to the buyer.
  • Closing Costs: As a seller, you may be responsible for certain closing costs, such as real estate agent commissions, title insurance, escrow fees, and transfer taxes. Be prepared for these costs, which typically amount to around 6-8% of the sale price.
8. Pay Off Your Mortgage

If you have an outstanding mortgage, part of the proceeds from the sale will go toward paying it off. Your agent will help ensure that the sale price covers your mortgage balance and other costs.

9. Tax Considerations
  • Capital Gains Tax: If you sell your home for a profit, you may be subject to capital gains tax. However, if the property was your primary residence for at least two of the last five years, you could be eligible for exclusions (up to $250,000 for individuals and $500,000 for couples).
  • Consult a Tax Professional: For specific advice regarding taxes, it’s best to consult a tax professional.
10. Move-Out and Handover

After closing, you’ll need to move out and hand over the keys to the new owners. Your real estate agent will ensure all documentation is completed and all necessary steps are followed to finalize the transaction.

By following these steps and working with a skilled real estate agent, selling a home in Union City can be a smooth and profitable experience.

In Union City, California, mortgage brokers are available to assist homebuyers and homeowners with securing financing for real estate transactions. A mortgage broker acts as an intermediary between you and potential lenders, helping you find loan options that best fit your financial situation.

How Mortgage Brokers in Union City Can Help:
  • Loan Shopping: Mortgage brokers have access to multiple lenders and loan products, which can help you compare various options for interest rates, loan terms, and fees.
  • Expert Advice: They can provide valuable advice based on your credit score, financial status, and the current market conditions. They may also help with understanding different loan types (FHA, conventional, VA, etc.) and guide you through the application process.
  • Convenience: Mortgage brokers can save you time by handling the paperwork, application process, and liaising with lenders, leaving you with more time to focus on other aspects of the home-buying process.
  • Better Rates: Since brokers have relationships with various lenders, they may be able to negotiate better rates or terms than you could get directly from a bank.
  • Specialized Loans: If you have a unique financial situation or are seeking non-traditional financing, a mortgage broker might be able to find specialized programs or lenders to suit your needs.
How to Find a Mortgage Broker in Union City:
  • Local Listings: Many mortgage brokers are listed in Union City’s business directories or online platforms. Websites like Zillow, Yelp, and Realtor.com can also help you find local brokers.
  • Referrals: Ask your real estate agent, friends, or family for recommendations of mortgage brokers they’ve worked with in the area.
  • Online Search: Searching for “mortgage brokers in Union City, CA” can provide a list of potential professionals. Review client feedback, ratings, and testimonials to gauge their experience and service.
Mortgage Broker Licensing:

Mortgage brokers in California must be licensed by the California Department of Financial Protection and Innovation (DFPI). You can verify a mortgage broker’s license on the DFPI website.

Benefits of Using a Mortgage Broker:
  • Variety of Options: They have access to a wide range of lenders, making it easier to find a loan product that fits your needs.
  • Personalized Service: A broker can help you navigate the complex mortgage process, which can be especially helpful for first-time buyers.
  • Cost-Effectiveness: They may be able to secure lower rates or fees than you would get by working directly with lenders.


By working with a reputable mortgage broker in Union City, you can simplify your home financing process and potentially secure a better deal on your loan.

Properties for Sale in Union City

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