Robert is correct. Your XC90 is 18 years old.
Replacing a valve or four is not parts expensive. But labor can be a lot. The head needs to be removed, so you need a new head gasket, new head bolts, glue for the valve cover, probably a new stud or two for the exhaust. In my case, a box of bandages.
It is a difficult job, experienced DIY guys can do this in a couple of days. The head is usually sent to a machine shop for cleaning/refurbishing. With close to 200K miles, I would put in new valve guide/seals (20).
Cost: $800-1200 at a shop.
Engine replacement will be about the same amount of money, but a junkyard engine is no guarantee.
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Keeping it running is better than buying new
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