City comparison
Hagerstown, MD vs New York, NY
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in New York, NY are 19.5% higher than in Hagerstown, MD. Someone earning $100,000 in Hagerstown, MD would need about $119,500 in New York, NY to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,655 a month in New York, NY versus $961 in Hagerstown, MD. On $100,000, that's 43% of take-home pay in New York, NY and 15% in Hagerstown, MD.
- On $100,000, estimated state income tax is about $473 a year higher in New York, NY than in Hagerstown, MD.
- For federal employees, locality pay changes a GS-13 step 1 salary by +3.0% moving from Hagerstown, MD to New York, NY ($121,785 → $125,431), while prices change by +19.5%. Net effect of the transfer: −13.8% in real buying power.
- Hagerstown, MD: price level 94.2 (cheaper)
- New York, NY: price level 112.6 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Hagerstown, MD | New York, NY | |
|---|---|---|
| Price level (U.S. = 100)2 | 94.2 | 112.6 |
| $100,000 is worth, in the other city2 | $119,530 in New York | $83,661 in Hagerstown |
| Typical 1-bedroom rent3 | $961/mo | $2,655/mo |
| Take-home on $100,00014,15,8 | $74,794 | $74,320 |
| State income tax on $100,000 (estimate)8 | $4,386 (MD) | $4,860 (NY) |
| Rent burden on $100,000 | 15% | 43% |
| Median pay, all jobs4 | $47,440 | $61,430 |
| Federal locality pay area7 | Washington-Baltimore-Arlington, DC-MD-VA-WV-PA | New York-Newark, NY-NJ-CT-PA |
Rent areas: Hagerstown, MD HUD Metro FMR Area and New York, NY HUD Metro FMR Area. Metro areas: Hagerstown-Martinsburg, MD-WV and New York-Newark-Jersey City, NY-NJ.
What costs more or less
| Price level (U.S. = 100) | Hagerstown | New York |
|---|---|---|
| Housing (rent) | 75.7 | 148.6 |
| Goods | 96.4 | 110.3 |
| Utilities | 95.7 | 127.0 |
| Other services | 99.5 | 105.8 |
| Overall | 94.2 | 112.6 |
Moving with the same $100,000 salary
Hagerstown, MD → New York, NY
Same pay buys less
Buying power −16.3%; rent takes 43% of take-home; state tax +$473/yr.
11 Weak offer
New York, NY → Hagerstown, MD
Same pay goes further
Buying power +19.5%; rent takes 15% of take-home; state tax −$473/yr.
100 Strong offer
On the GS pay scale?
Hagerstown, MD is in the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA pay area; New York, NY is in New York-Newark, NY-NJ-CT-PA. The last column shows what a transfer from Hagerstown, MD to New York, NY at the same grade and step does to real buying power.
| Grade5,2 | Hagerstown, MD | New York, NY | Real change, Hagerstown → New York |
|---|---|---|---|
| GS-9 step 1 | $70,623 | $72,737 | −13.8% |
| GS-11 step 1 | $85,447 | $88,005 | −13.8% |
| GS-12 step 1 | $102,415 | $105,481 | −13.8% |
| GS-13 step 1 | $121,785 | $125,431 | −13.8% |
| GS-14 step 1 | $143,913 | $148,222 | −13.8% |
Pay for common jobs
| Median annual pay4 | Hagerstown, MD | New York, NY | New York pay in Hagerstown dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,190 | $96,900 | $81,067 (+28.3%) |
| Software Developers | $122,830 | $166,830 | $139,571 (+13.6%) |
| Accountants and Auditors | $75,250 | $105,650 | $88,388 (+17.5%) |
| Registered Nurses | $92,770 | $119,720 | $100,159 (+8.0%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.