Elgin, OR vs Union, OR: Cost of Living

Which city costs less?

Union, OR has a modeled overall cost index 5.3% higher than Elgin, OR.

Elgin, OR · modeled 2BR rent
$1,250 / month
Union, OR · modeled 2BR rent
$1,180 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Elgin, OR and Union, OR using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated savings: $394/month in Union, OR

$150,000 in your current city has a modeled equivalent of $145,276 in Union, OR

Regional cost estimates: Elgin, OR uses Spokane, WA. Union, OR uses Boise, ID. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 5.3%
More expensive
Monthly Impact
$394
Savings
Annual Impact
$4.7K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Elgin, OR

Population:2K
Cost Index:
78.3
100 = national average
Typical Home:$255K

Union, OR

Population:2K
Cost Index:
82.4
100 = national average
Typical Home:$289K

Planning the move to Union?

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Elgin, OR

The Beaver State

2K
Population
State Tax
Yes

Located in Oregon, this city has a population of 2K residents.

Union, OR

The Beaver State

2K
Population
State Tax
Yes

Located in Oregon, this city has a population of 2K residents.

Cost Breakdown by Category

Estimated monthly spending: Elgin, OR vs Union, OR

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Transportation
↓ 34.2%
Elgin, OR
$1,748
Union, OR
$1,151
Difference
$597
less
Housing
↑ 21.9%
Elgin, OR
$1,916
Union, OR
$2,336
Difference
$420
more
Healthcare
↓ 24.0%
Elgin, OR
$836
Union, OR
$635
Difference
$201
less
Groceries
↓ 11.9%
Elgin, OR
$1,095
Union, OR
$965
Difference
$130
less
Other
↑ 8.7%
Elgin, OR
$1,418
Union, OR
$1,541
Difference
$123
more
All Utilities
↓ 1.8%
Elgin, OR
$488
Union, OR
$479
Difference
$8.62
less

🏠Rent Comparison

Studio
From$860
To$810
↓ $50.00
1 Bed
From$1,000
To$950
↓ $50.00
2 Bed
From$1,250
To$1,180
↓ $70.00
3 Bed
From$1,740
To$1,640
↓ $100
Elgin, ORZIP-level data

1BR range: $1,000–$1,000/mo

Union, ORZIP-level data

1BR range: $950–$950/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Elgin, OR
$7,106
Monthly in Union, OR
$394
Difference

Home Values

Elgin
Union
$255K
Median Value
$289K
↑ +8.8%
YoY Change
↑ +8%
↑ +46.9%
5-Year Change
↑ +45.9%

Homes in Union are 13% more expensive than Elgin

Calculate payment - ElginCalculate payment - Union

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
→ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Elgin, OR

Federal Income Tax
Effective: 18.9%
$25.5K
Oregon State Tax
Effective: 10.3%
$15.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 35.0%
$52.5K
Take-Home Pay
$8,123/month
$97.5K

Union, OR

Federal Income Tax
Effective: 18.9%
$25.5K
Oregon State Tax
Effective: 10.3%
$15.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 35.0%
$52.5K
Take-Home Pay
$8,123/month
$97.5K

Additional Tax Information

Elgin, OR Tax Rates

Sales Tax:0.0%
Property Tax:0.9%

Union, OR Tax Rates

Sales Tax:0.0%
Property Tax:0.9%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Elgin
Union
38 Good
Air Quality
44 Good
76.5%
Good Air Days
62.8%
90 Moderate
Climate Risk
88 Moderate
💨
Top Hazards
🔥💨
▲+3.0°F
2050 Outlook
▲+3.3°F
23 days
Heat Days >95°F
49 days
▲+3.0°F
2050 Outlook
▲+3.3°F
23 days
Heat Days >95°F
49 days

Before moving from Elgin, OR to Union, OR

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Union, OR for the same bedroom count and included utilities as your home in Elgin, OR. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Elgin to Union moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Union, OR by cost, housing, population and region.

Frequently Asked Questions: Elgin, OR vs Union, OR

How do the cost estimates for Elgin, OR and Union, OR compare?

Union, OR has a modeled overall cost index 5.3% higher than Elgin, OR. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Elgin, OR, the model estimates $145,276 in Union, OR. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Elgin, OR and Union, OR?

The modeled two-bedroom rents are $1,250/month in Elgin, OR and $1,180/month in Union, OR. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

Where your money goes further

Cities cheaper than Elgin, OR on a $150.0K salary

1.St. Louis, MO
Save $7.87/mo

Similar cost to Union, OR

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