Unsupervised anomaly detection (UAD) aims to identify image- and pixel-level anomalies using only normal training data, with wide applications such as industrial inspection and medical analysis, where anomalies are scarce due to privacy concerns and cold-start constraints. Existing methods, whether reconstruction-based (restoring normal counterparts) or embedding-based (pretrained representations), fundamentally conduct image- or feature-level matching to generate anomaly maps. Nonetheless, matching noise has been largely overlooked, limiting their detection ability. Beyond earlier focus on unimodal RGB-based UAD, recent advances expand to multimodal scenarios, e.g., RGB-3D and RGB-Text, enabled by point cloud sensing and vision-language models. Despite shared challenges, these lines remain largely isolated, hindering a comprehensive understanding and knowledge transfer. In this paper, we advocate unified UAD for both unimodal and multimodal settings in the matching perspective. Under this insight, we present Unified Cost Filtering (UCF), a generic post-hoc refinement framework for refining anomaly cost volume of any UAD model. The cost volume is constructed by matching a test sample against normal samples from the same or different modalities, followed by a learnable filtering module with multi-layer attention guidance from the test sample, mitigating matching noise and highlighting subtle anomalies. Comprehensive experiments on 22 diverse benchmarks demonstrate the efficacy of UCF in enhancing a variety of UAD methods, consistently achieving new state-of-the-art results in both unimodal (RGB) and multimodal (RGB-3D, RGB-Text) UAD scenarios. Code and models will be released at https://github.com/ZHE-SAPI/CostFilter-AD.