City comparison
Hagerstown, MD vs Orlando, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Orlando, FL are 7.7% higher than in Hagerstown, MD. Someone earning $100,000 in Hagerstown, MD would need about $107,700 in Orlando, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,731 a month in Orlando, FL versus $961 in Hagerstown, MD. On $100,000, that's 26% of take-home pay in Orlando, FL and 15% in Hagerstown, MD.
- On $100,000, estimated state income tax is about $4,386 a year higher in Hagerstown, MD than in Orlando, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −12.6% moving from Hagerstown, MD to Orlando, FL ($121,785 → $106,437), while prices change by +7.7%. Net effect of the transfer: −18.8% in real buying power.
- Hagerstown, MD: price level 94.2 (cheaper)
- Orlando, FL: price level 101.4 (about average)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Hagerstown, MD | Orlando, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 94.2 | 101.4 |
| $100,000 is worth, in the other city2 | $107,696 in Orlando | $92,854 in Hagerstown |
| Typical 1-bedroom rent3 | $961/mo | $1,731/mo |
| Take-home on $100,00014,15,8 | $74,794 | $79,180 |
| State income tax on $100,000 (estimate)8 | $4,386 (MD) | $0 (FL) |
| Rent burden on $100,000 | 15% | 26% |
| Median pay, all jobs4 | $47,440 | $46,630 |
| Federal locality pay area7 | Washington-Baltimore-Arlington, DC-MD-VA-WV-PA | Rest of U.S. |
Rent areas: Hagerstown, MD HUD Metro FMR Area and Orlando-Kissimmee-Sanford, FL MSA. Metro areas: Hagerstown-Martinsburg, MD-WV and Orlando-Kissimmee-Sanford, FL.
What costs more or less
| Price level (U.S. = 100) | Hagerstown | Orlando |
|---|---|---|
| Housing (rent) | 75.7 | 123.4 |
| Goods | 96.4 | 96.2 |
| Utilities | 95.7 | 87.2 |
| Other services | 99.5 | 98.9 |
| Overall | 94.2 | 101.4 |
Moving with the same $100,000 salary
Hagerstown, MD → Orlando, FL
Same pay buys less
Buying power −7.1%; rent takes 26% of take-home; state tax −$4,386/yr.
45 Weak offer
Orlando, FL → Hagerstown, MD
Same pay goes further
Buying power +7.7%; rent takes 15% of take-home; state tax +$4,386/yr.
93 Strong offer
On the GS pay scale?
Hagerstown, MD is in the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA pay area; Orlando, FL is in Rest of U.S.. The last column shows what a transfer from Hagerstown, MD to Orlando, FL at the same grade and step does to real buying power.
| Grade5,2 | Hagerstown, MD | Orlando, FL | Real change, Hagerstown → Orlando |
|---|---|---|---|
| GS-9 step 1 | $70,623 | $61,722 | −18.8% |
| GS-11 step 1 | $85,447 | $74,678 | −18.8% |
| GS-12 step 1 | $102,415 | $89,508 | −18.8% |
| GS-13 step 1 | $121,785 | $106,437 | −18.8% |
| GS-14 step 1 | $143,913 | $125,776 | −18.8% |
Pay for common jobs
| Median annual pay4 | Hagerstown, MD | Orlando, FL | Orlando pay in Hagerstown dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,190 | $60,190 | $55,889 (−11.6%) |
| Software Developers | $122,830 | $129,620 | $120,358 (−2.0%) |
| Accountants and Auditors | $75,250 | $78,630 | $73,011 (−3.0%) |
| Registered Nurses | $92,770 | $83,550 | $77,580 (−16.4%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.