Cost of Living in Hagerstown, MD

Hagerstown-Martinsburg, MD-WV — prices, rents and what jobs really pay here after taxes.

Price level
94.2
U.S. average = 100 · #179 of 387
Median wage
$47,440
all jobs · $3,201/mo take-home
1-bedroom rent
$952
HUD fair market rent

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What would you need to earn in Hagerstown, MD to keep the same lifestyle — after taxes — as in another city?

Cost of living calculator

Uses BEA price levels plus 2026 federal and state taxes in each city's state.

Salary needed to keep your lifestyle
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    Prices in Hagerstown, MD vs. the U.S. average

    CategoryIndex (U.S. = 100)Difference
    All items94.2−5.8%
    Housing75.7−24.3%
    Goods96.4−3.6%
    Utilities95.7−4.3%
    Other services99.5−0.5%

    Source: BEA Regional Price Parities, 2024.

    Rent in Hagerstown, MD

    UnitMonthly rentIncome needed (30% rule)
    Studio$849$33,960/yr
    1 bedroom$952$38,080/yr
    2 bedrooms$1,232$49,280/yr
    3 bedrooms$1,673$66,920/yr
    4 bedrooms$1,903$76,120/yr

    HUD Fair Market Rents, FY2026, population-weighted across the metro's counties.

    Take-home pay in Hagerstown, MD

    Paycheck in Hagerstown, MD
    Deductions, kids & local tax

    2026 tax year. Federal brackets from IRS Rev. Proc. 2025-32.

    Your take-home pay
    $38,408
    per year · effective tax rate 19.0%
    $3,201Monthly
    $1,600Twice a month
    $1,477Every 2 weeks
    $18.47Hourly
    • Federal income tax$3,513
    • Social Security (6.2%)$2,941
    • Medicare (1.45%)$688
    • Maryland income tax$1,890
    • Take-home pay$38,408

    Marginal rate: 12% federal + 4.75% state

    Highest-paying jobs in Hagerstown, MD

    JobMedian salaryTake-homeReal value*
    Software Developer$122,830$89,709$95,262
    Registered Nurse$92,770$70,051$74,387
    General and Operations Manager$92,420$69,821$74,143
    Project Management Specialist$88,600$67,315$71,482
    Business Operations Specialists, All Other$87,400$66,528$70,646
    Human Resources Specialist$77,730$60,185$63,910
    First-Line Supervisor of Production and Operating Workers$76,770$59,555$63,241
    Accountant and Auditor$75,250$58,558$62,182
    Sales Representatives, Wholesale and Manufacturing, Except Technical and Scientific Products$69,990$55,107$58,518
    Licensed Practical and Licensed Vocational Nurse$64,280$51,139$54,305
    Correctional Officer and Jailer$64,250$51,117$54,281
    Middle School Teachers, Except Special and Career/Technical Education$63,420$50,489$53,614
    Elementary School Teachers, Except Special Education$63,190$50,315$53,430
    Secondary School Teachers, Except Special and Career/Technical Education$62,180$49,552$52,619
    First-Line Supervisors of Transportation and Material Moving Workers, Except Aircraft Cargo Handling Supervisors$60,720$48,448$51,447
    First-Line Supervisor of Office and Administrative Support Workers$59,990$47,896$50,861
    Heavy and Tractor-Trailer Truck Driver$56,310$45,114$47,906
    Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel$56,170$45,008$47,794
    Substitute Teachers, Short-Term$53,850$43,254$45,932
    Light Truck Driver$53,190$42,755$45,402

    *In U.S.-average dollars after adjusting for local prices.

    Frequently asked questions

    Is Hagerstown, MD expensive to live in?

    According to the Bureau of Economic Analysis, overall prices in the Hagerstown-Martinsburg, MD-WV metro area are 94.2% of the U.S. average, with housing at 75.7%. It is the #179 most expensive of 387 metro areas we track.

    What salary do you need to live in Hagerstown, MD?

    To match the buying power of a $60,000 salary in an average-priced U.S. city you would need about $56,503 in Hagerstown, MD (before tax differences). The median wage across all jobs here is $47,440.

    How much is rent in Hagerstown, MD?

    HUD’s FY2026 fair market rents for Hagerstown, MD are $849 for a studio, $952 for one bedroom, $1,232 for two bedrooms and $1,673 for three bedrooms, including utilities.

    All salaries in Hagerstown, MD

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    Installation, Maintenance, and Repair Occupations

    Production Occupations

    Transportation and Material Moving Occupations

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