Spring Valley, IL vs Union City, OH: Cost of Living

Which city costs less?

Union City, OH has a modeled overall cost index 6.3% lower than Spring Valley, IL.

Spring Valley, IL · modeled 2BR rent: $1,190 / month
Union City, OH · modeled 2BR rent: $1,000 / 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 Spring Valley, IL and Union City, OH 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

Current salary in Spring Valley, IL

Numbers update automatically as you type

Estimated savings: $738/month in Union City, OH

$150,000 in your current city has a modeled equivalent of $141,146 in Union City, OH

Regional cost estimates: Spring Valley, IL uses Chicago, IL. Union City, OH uses Fort Wayne, IN. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 6.3%

Less expensive

Monthly Impact

$738

Savings

Annual Impact

$8.9K

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.

Spring Valley, IL

Population:5K

Cost Index:

83.0

100 = national average

Typical Home:$140K

Union City, OH

Population:7K

Cost Index:

77.8

100 = national average

Typical Home:$142K

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Spring Valley, IL

The Prairie State

Population

State Tax

Yes

Located in Illinois, this city has a population of 5K residents.

Union City, OH

The Buckeye State

Population

State Tax

Yes

Located in Ohio, this city has a population of 7K residents.

Cost Breakdown by Category

Estimated monthly spending: Spring Valley, IL vs Union City, OH

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.

Category	Spring Valley, IL	Union City, OH	Difference	Change
Housing	$2,395/mo	$1,734/mo	↓ $661less	27.6%
Transportation	$1,458/mo	$1,258/mo	↓ $200less	13.7%
Other	$1,525/mo	$1,578/mo	↑ $52.42more	3.4%
Healthcare	$589/mo	$637/mo	↑ $48.10more	8.2%
All Utilities	$514/mo	$550/mo	↑ $35.88more	7.0%
Groceries	$1,019/mo	$1,006/mo	↓ $13.55less	1.3%

Housing

↓ 27.6%

Spring Valley, IL

$2,395

Union City, OH

$1,734

Difference

$661

less

Transportation

↓ 13.7%

Spring Valley, IL

$1,458

Union City, OH

$1,258

Difference

$200

less

Other

↑ 3.4%

Spring Valley, IL

$1,525

Union City, OH

$1,578

Difference

$52.42

Healthcare

↑ 8.2%

Spring Valley, IL

$589

Union City, OH

$637

Difference

$48.10

All Utilities

↑ 7.0%

Spring Valley, IL

$514

Union City, OH

$550

Difference

$35.88

Groceries

↓ 1.3%

Spring Valley, IL

$1,019

Union City, OH

$1,006

Difference

$13.55

less

🏠Rent Comparison

Studio

From$820

To$820

→ $0

1 Bed

From$910

To$830

↓ $80.00

2 Bed

From$1,190

To$1,000

↓ $190

3 Bed

From$1,470

To$1,330

↓ $140

Spring Valley, ILZIP-level data

1BR range: $910–$910/mo

Union City, OHZIP-level data

1BR range: $830–$830/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 Spring Valley, IL

$6,762

Monthly in Union City, OH

$738

Difference

Home Values

Spring Valley

Union City

$140K

Median Value

$142K

↑ +4.8%

YoY Change

↑ +4.7%

↑ +28.4%

5-Year Change

↑ +51.6%

Homes in Union City are 2% more expensive than Spring Valley

Calculate payment - Spring Valley Calculate payment - Union City

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $3.0K

Per year

Monthly Difference

$250

More take-home

Effective Rate Diff

2.0%

Rate difference

Spring Valley, IL

Federal Income Tax

Effective: 18.9%

$25.5K

Illinois State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,797/month

$105.6K

Union City, OH

Federal Income Tax

Effective: 18.9%

$25.5K

Ohio State Tax

Effective: 3.0%

$4.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 27.6%

$41.4K

Take-Home Pay

$9,047/month

$108.6K

Additional Tax Information

Spring Valley, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Union City, OH Tax Rates

Sales Tax:7.2%

Property Tax:1.6%

💡 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

Spring Valley

Union City

54 Moderate

Air Quality

45 Good

35.8%

Good Air Days

62.6%

100 Very High

Climate Risk

91 Moderate

🌊🌡🫨

Top Hazards

🌊🌪💨

▲+3.2°F

2050 Outlook

▲+3.1°F

18 days

Heat Days >95°F

17 days

▲+3.2°F

2050 Outlook

▲+3.1°F

18 days

Heat Days >95°F

17 days

Before moving from Spring Valley, IL to Union City, OH

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

Compare actual homes. Get current quotes in Union City, OH for the same bedroom count and included utilities as your home in Spring Valley, IL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
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.
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.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Spring Valley to Union City moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Spring Valley, IL vs Union City, OH

How do the cost estimates for Spring Valley, IL and Union City, OH compare?

Union City, OH has a modeled overall cost index 6.3% lower than Spring Valley, IL. 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 Spring Valley, IL, the model estimates $141,146 in Union City, OH. 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 Spring Valley, IL and Union City, OH?

The modeled two-bedroom rents are $1,190/month in Spring Valley, IL and $1,000/month in Union City, OH. 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.

💰 See how taxes change too — compare take-home pay between Illinois and Ohio on TaxTakeHome.com

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