Baltimore vs Hagerstown leftover
Moving to Hagerstown costs you $109 a month
$2,282/mo leftover in Hagerstown vs $2,391 in Baltimore after tax and rent ($109 less). −$1,308 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Baltimore leftover
$2,391
a month after tax and rent
Hagerstown leftover
$2,282
−$109 vs Baltimore
Compare Baltimore to another metro
Same paycheck. Try a different city next to Baltimore.
Monthly gap
Baltimore → Hagerstown
$109
less / month in Baltimore
$2,282 in Hagerstown · $2,391 in Baltimore · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 517 households moved Baltimore → Hagerstown (avg AGI $63,426). 279 went the other way. The whole move →
−$109 / mo
| Per month | Baltimore | Hagerstown | Difference |
|---|---|---|---|
| Gross pay | $8,250 | $7,542 | −$708 |
| Income and payroll tax | $2,389 | $2,107 | −$281 |
| Take-home pay | $5,861 | $5,434 | −$427 |
| Rent | $1,509 | $1,167 | −$342 |
| Getting around | $482 | $574 | +$92 |
| Groceries | $408 | $389 | −$19 |
| Healthcare | $459 | $438 | −$21 |
| Utilities | $255 | $243 | −$12 |
| Everything else | $357 | $341 | −$16 |
| Left over | $2,391 | $2,282 | −$109 |
To break even in Hagerstown, you'd need to earn
$92,500
Household gross, versus $99,000 today. That's the salary that leaves you exactly as much at the end of the month as Baltimore does now.
The tax difference alone
+$857
A year, in state and local income tax. Effective rates: 29.0% in Baltimore, 27.9% in Hagerstown.
More about Hagerstown
Baltimore, MD in full
DC salaries within commuting distance, at Baltimore prices.
Hagerstown, MD in full
State income tax topping out at 5.75%, a median 2-bedroom asking rent of $1,389 and 204 sunny days; commutes average 31 minutes.
The reverse move
Same two cities, but starting from Hagerstown on Hagerstown wages.
Hagerstown → Baltimore →Questions
Is the cost of living lower in Hagerstown than Baltimore?
A one-bedroom is about $1,509 in Baltimore versus $1,167 in Hagerstown. On a one-adult, one-bedroom household, leftover is about $109 a month lower in Hagerstown. Change the job or household on the comparison to see your number.
Does Hagerstown have state income tax?
Hagerstown is in Maryland, which taxes wage income, plus a local wage tax of 3.00%.
What changes if you move from Baltimore to Hagerstown?
Take-home pay is recalculated under Maryland tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Baltimore and Hagerstown moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.