Hagerstown vs Baltimore leftover
You'd keep $109 more a month in Baltimore
$2,391/mo leftover in Baltimore vs $2,282 in Hagerstown after tax and rent ($109 more). +$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.
Hagerstown leftover
$2,282
a month after tax and rent
Baltimore leftover
$2,391
+$109 vs Hagerstown
Compare Hagerstown to another metro
Same paycheck. Try a different city next to Hagerstown.
Monthly gap
Hagerstown → Baltimore
$109
more / month in Baltimore
$2,391 in Baltimore · $2,282 in Hagerstown · 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, 279 households moved Hagerstown → Baltimore (avg AGI $44,502). 517 went the other way. The whole move →
+$109 / mo
| Per month | Hagerstown | Baltimore | Difference |
|---|---|---|---|
| Gross pay | $7,542 | $8,250 | +$708 |
| Income and payroll tax | $2,107 | $2,389 | +$281 |
| Take-home pay | $5,434 | $5,861 | +$427 |
| Rent | $1,167 | $1,509 | +$342 |
| Getting around | $574 | $482 | −$92 |
| Groceries | $389 | $408 | +$19 |
| Healthcare | $438 | $459 | +$21 |
| Utilities | $243 | $255 | +$12 |
| Everything else | $341 | $357 | +$16 |
| Left over | $2,282 | $2,391 | +$109 |
To break even in Baltimore, you'd need to earn
$97,000
Household gross, versus $90,500 today. That's the salary that leaves you exactly as much at the end of the month as Hagerstown does now.
The tax difference alone
−$857
A year, in state and local income tax. Effective rates: 27.9% in Hagerstown, 29.0% in Baltimore.
More about Baltimore
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.
Baltimore, MD in full
DC salaries within commuting distance, at Baltimore prices.
The reverse move
Same two cities, but starting from Baltimore on Baltimore wages.
Baltimore → Hagerstown →Questions
Is the cost of living lower in Baltimore than Hagerstown?
A one-bedroom is about $1,167 in Hagerstown versus $1,509 in Baltimore. On a one-adult, one-bedroom household, leftover is about $109 a month higher in Baltimore. Change the job or household on the comparison to see your number.
Does Baltimore have state income tax?
Baltimore is in Maryland, which taxes wage income, plus a local wage tax of 3.20%.
What changes if you move from Hagerstown to Baltimore?
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 Hagerstown and Baltimore 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.