City comparison
Hagerstown, MD vs Toledo, OH
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Hagerstown, MD are 3.0% higher than in Toledo, OH. Someone earning $100,000 in Toledo, OH would need about $103,000 in Hagerstown, MD to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $961 a month in Hagerstown, MD versus $820 in Toledo, OH. On $100,000, that's 15% of take-home pay in Hagerstown, MD and 13% in Toledo, OH.
- On $100,000, estimated state income tax is about $2,419 a year higher in Hagerstown, MD than in Toledo, OH.
- For federal employees, locality pay changes a GS-13 step 1 salary by −12.6% moving from Hagerstown, MD to Toledo, OH ($121,785 → $106,437), while prices change by −2.9%. Net effect of the transfer: −10.0% in real buying power.
- Hagerstown, MD: price level 94.2 (cheaper)
- Toledo, OH: price level 91.5 (much cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Hagerstown, MD | Toledo, OH | |
|---|---|---|
| Price level (U.S. = 100)2 | 94.2 | 91.5 |
| $100,000 is worth, in the other city2 | $97,116 in Toledo | $102,970 in Hagerstown |
| Typical 1-bedroom rent3 | $961/mo | $820/mo |
| Take-home on $100,00014,15,8 | $74,794 | $77,212 |
| State income tax on $100,000 (estimate)8 | $4,386 (MD) | $1,968 (OH) |
| Rent burden on $100,000 | 15% | 13% |
| Median pay, all jobs4 | $47,440 | $48,220 |
| 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 Toledo, OH MSA. Metro areas: Hagerstown-Martinsburg, MD-WV and Toledo, OH.
What costs more or less
| Price level (U.S. = 100) | Hagerstown | Toledo |
|---|---|---|
| Housing (rent) | 75.7 | 67.3 |
| Goods | 96.4 | 93.6 |
| Utilities | 95.7 | 96.3 |
| Other services | 99.5 | 98.9 |
| Overall | 94.2 | 91.5 |
Moving with the same $100,000 salary
Hagerstown, MD → Toledo, OH
Same pay goes further
Buying power +3.0%; rent takes 13% of take-home; state tax −$2,419/yr.
78 Strong offer
Toledo, OH → Hagerstown, MD
Same pay buys less
Buying power −2.9%; rent takes 15% of take-home; state tax +$2,419/yr.
60 Fair offer
On the GS pay scale?
Hagerstown, MD is in the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA pay area; Toledo, OH is in Rest of U.S.. The last column shows what a transfer from Hagerstown, MD to Toledo, OH at the same grade and step does to real buying power.
| Grade5,2 | Hagerstown, MD | Toledo, OH | Real change, Hagerstown → Toledo |
|---|---|---|---|
| GS-9 step 1 | $70,623 | $61,722 | −10.0% |
| GS-11 step 1 | $85,447 | $74,678 | −10.0% |
| GS-12 step 1 | $102,415 | $89,508 | −10.0% |
| GS-13 step 1 | $121,785 | $106,437 | −10.0% |
| GS-14 step 1 | $143,913 | $125,776 | −10.0% |
Pay for common jobs
| Median annual pay4 | Hagerstown, MD | Toledo, OH | Toledo pay in Hagerstown dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,190 | $63,250 | $65,128 (+3.1%) |
| Software Developers | $122,830 | $104,360 | $107,459 (−12.5%) |
| Accountants and Auditors | $75,250 | $77,400 | $79,699 (+5.9%) |
| Registered Nurses | $92,770 | $81,050 | $83,457 (−10.0%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.