Union Springs, NY vs Bergen, NY: Cost of Living

Which city costs less?

Bergen, NY has a modeled overall cost index 3.4% lower than Union Springs, NY.

Union Springs, NY · modeled 2BR rent
$1,280 / month
Bergen, NY · modeled 2BR rent
$1,290 / 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 Union Springs, NY and Bergen, NY 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: $349/month in Bergen, NY

$150,000 in your current city has a modeled equivalent of $145,809 in Bergen, NY

Regional cost estimates: Union Springs, NY uses Newark, NJ. Bergen, NY uses Pittsburgh, PA. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 3.4%
Less expensive
Monthly Impact
$349
Savings
Annual Impact
$4.2K
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.

Union Springs, NY

Population:1K
Cost Index:
69.7
100 = national average
Typical Home:$231K

Bergen, NY

Population:1K
Cost Index:
67.3
100 = national average
Typical Home:$238K

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Union Springs, NY

The Empire State

1K
Population
State Tax
Yes

Located in New York, this city has a population of 1K residents.

Bergen, NY

The Empire State

1K
Population
State Tax
Yes

Located in New York, this city has a population of 1K residents.

Cost Breakdown by Category

Estimated monthly spending: Union Springs, NY vs Bergen, NY

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
↓ 10.9%
Union Springs, NY
$1,390
Bergen, NY
$1,239
Difference
$151
less
Healthcare
↓ 17.1%
Union Springs, NY
$744
Bergen, NY
$617
Difference
$127
less
Other
↓ 7.0%
Union Springs, NY
$1,762
Bergen, NY
$1,638
Difference
$124
less
All Utilities
↑ 10.2%
Union Springs, NY
$645
Bergen, NY
$711
Difference
$65.97
more
Groceries
↓ 2.6%
Union Springs, NY
$1,190
Bergen, NY
$1,159
Difference
$30.68
less
Housing
↑ 1.0%
Union Springs, NY
$1,770
Bergen, NY
$1,787
Difference
$17.88
more

🏠Rent Comparison

Studio
From$1,010
To$920
↓ $90.00
1 Bed
From$1,010
To$1,040
↑ $30.00
2 Bed
From$1,280
To$1,290
↑ $10.00
3 Bed
From$1,670
To$1,550
↓ $120
Union Springs, NYZIP-level data

1BR range: $1,010–$1,010/mo

Bergen, NYZIP-level data

1BR range: $1,040–$1,040/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 Union Springs, NY
$7,151
Monthly in Bergen, NY
$349
Difference

Home Values

Union Springs
Bergen
$231K
Median Value
$238K
↑ +1.5%
YoY Change
↑ +1.9%
↑ +36.1%
5-Year Change
↑ +38.2%

Homes in Bergen are 3% more expensive than Union Springs

Calculate payment - Union SpringsCalculate payment - Bergen

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

Union Springs, NY

Federal Income Tax
Effective: 18.9%
$25.5K
New York State Tax
Effective: 6.4%
$9.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.0%
$46.6K
Take-Home Pay
$8,620/month
$103.4K

Bergen, NY

Federal Income Tax
Effective: 18.9%
$25.5K
New York State Tax
Effective: 6.4%
$9.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.0%
$46.6K
Take-Home Pay
$8,620/month
$103.4K

Additional Tax Information

Union Springs, NY Tax Rates

Sales Tax:8.8%
Property Tax:1.2%

Bergen, NY Tax Rates

Sales Tax:8.8%
Property Tax:1.2%

💡 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

Union Springs
Bergen
N/A
Air Quality
52 Moderate
-
Good Air Days
47.8%
98 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌪💨
▲+2.9°F
2050 Outlook
▲+3.0°F
15 days
Heat Days >95°F
12 days
▲+2.9°F
2050 Outlook
▲+3.0°F
15 days
Heat Days >95°F
12 days

Before moving from Union Springs, NY to Bergen, NY

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

  1. Compare actual homes. Get current quotes in Bergen, NY for the same bedroom count and included utilities as your home in Union Springs, NY. 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 Union Springs to Bergen moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Union Springs, NY vs Bergen, NY

How do the cost estimates for Union Springs, NY and Bergen, NY compare?

Bergen, NY has a modeled overall cost index 3.4% lower than Union Springs, NY. 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 Union Springs, NY, the model estimates $145,809 in Bergen, NY. 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 Union Springs, NY and Bergen, NY?

The modeled two-bedroom rents are $1,280/month in Union Springs, NY and $1,290/month in Bergen, NY. 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.

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