Montgomery, NY vs Union Springs, NY

The cost of living difference between Montgomery, NY and Union Springs, NY is dramatic. Union Springs is 46.3% cheaper than Montgomery, a gap that translates to thousands of dollars per year in household expenses. Montgomery has a cost index of 111 while Union Springs sits at 76, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Montgomery is $1,473/month compared to $875/month in Union Springs — a 68% difference. Home values follow the same pattern: Union Springs is more affordable at $163,400 median vs $345,700.

Median household income in Montgomery is $88,348 compared to $95,282 in Union Springs (-7.3%). Union Springs offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Montgomery spend roughly 20% of their income on rent, more than the 11% in Union Springs.