Overall
94.2
Below avg
Metro cost profile · 2024 BEA RPP
Hagerstown-Martinsburg, MD-WV
Cost-of-living indicators for Hagerstown-Martinsburg, MD-WV, from Bureau of Economic Analysis Regional Price Parities, overall, goods, services, and rents vs the U.S. average of 100.
- 94.2
- Overall RPP
- #179
- of 387 metros
- 75.7
- Rents RPP
- $106K
- $100K national buys
Hagerstown ranks #179 of 387 U.S. metros by cost, and its overall price index has fallen 6.0 points since 2008.
- falling since 2008
- similar cost to Lake Havasu City-Kingman
The verdict
Hagerstown costs less than 46% of U.S. metros, an overall index of 94.2, 5.8% below the national average, with rents the biggest swing at 75.7.
- bottom 54%
- by overall cost, nationwide
- 96.4
- goods RPP, tradable items
- 95.7
- services RPP, labor-priced
A $100,000 national salary carries the purchasing power of about $106,190 here; matching a $100K lifestyle takes roughly $94,171.
Latest BEA release change
What changed from 2023 to 2024
Hagerstown's overall RPP fell -1.2 points, from 95.4 in 2023 to 94.2 in 2024. The largest category movement was rents, changing from 83.0 to 75.7. This is a relative change against the national benchmark, not a household's dollar bill.
RPP History (2008-2024)
The cost of living has been trending downward, decreasing by 6.0 points over this period. The largest single-year move was in 2018, when the index dropped 4.6 points from the year before.
Hagerstown overall RPP, 2008-2024
Every year on record, national average = 100
| Year | Overall |
|---|---|
| 2008 | 100.2 |
| 2009 | 100.8 |
| 2010 | 97.1 |
| 2011 | 100.1 |
| 2012 | 99.3 |
| 2013 | 100.1 |
| 2014 | 99.4 |
| 2015 | 100.7 |
| 2016 | 99.6 |
| 2017 | 98.6 |
| 2018 | 94.0 |
| 2019 | 93.3 |
| 2020 | 93.1 |
| 2021 | 95.3 |
| 2022 | 93.5 |
| 2023 | 95.4 |
| 2024 | 94.2 |
Housing-led affordability profile
How Hagerstown's cost structure works
Housing is the strongest affordability offset in Hagerstown: rents index at 75.7, the component furthest below the national benchmark. That does not make every local expense low, but it is the clearest explanation for the metro's overall RPP of 94.2.
Across all reported metros, the closest component-profile matches are Akron, OH, Flint, MI, Monroe, MI. They resemble Hagerstown across goods, services, and rents together, so they are stronger structure peers than a place selected only because its overall RPP happens to be nearby.
Across 2008-2024, Hagerstown's overall index has fallen by 6.0 points. This is a relative price-level history, not a prediction or a personal affordability recommendation; pair it with current local wages and housing options before making a decision.
Hagerstown vs every U.S. metro
Where this metro sits in the national cost distribution
94 Top 46% higher than 54% of 387 US metros
Each bar is a band; taller bars hold more US metros. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Bureau of Economic Analysis, Regional Price Parities · 2024
Hagerstown cost breakdown
BEA RPP by category, 100 = national average
- Rents
Rents
75.7 RPP
- Services
Services
95.7 RPP
- Overall
Overall
94.2 RPP
- Goods
Goods
96.4 RPP
What this shows Hagerstown's cost structure is housing-led: rents at 75.7 depart furthest from 100, while services sits at 95.7. This is a rent-sensitive profile, not a claim that every local expense moves together.
Goods vs. housing, where Hagerstown's cost comes from
Metros near Hagerstown's overall cost, plotted by their goods price (horizontal) and housing price (vertical). Same headline RPP, very different structures.
Read the chart as text
- Hagerstown (Hagerstown, this metro): goods RPP 96.4, rents RPP 75.7
- Lake Havasu City: goods RPP 96.2, rents RPP 79.8
- Sheboygan: goods RPP 93.8, rents RPP 80.5
- Elmira: goods RPP 99.7, rents RPP 76.4
- Hinesville: goods RPP 96.3, rents RPP 79.5
- Idaho Falls: goods RPP 96.2, rents RPP 84
- Cleveland: goods RPP 93.6, rents RPP 79.4
Price Index Summary
Goods
96.4
Below avg
Services
95.7
Below avg
Rents
75.7
Cheap
Salary Equivalent
A $100,000 salary at the national average cost of living equals:
$94,171
in Hagerstown-Martinsburg, MD-WV purchasing power
$50,000 nationally
$47,086
$75,000 nationally
$70,628
$125,000 nationally
$117,714
$150,000 nationally
$141,257
$200,000 nationally
$188,342
Use the salary calculator for custom amounts.
Affordability score
C
56/100
How far the median local paycheck goes here, combining income and housing cost
Purchasing power
Not reported
Housing affordability C
56th percentile
A weighted composite (60% purchasing power, 40% housing affordability) percentile-ranked against every other tracked metro; a missing input redistributes its weight rather than deflating the score. Sources: Census ACS 5-Year 2023 (income) + BEA Regional Price Parities 2024 (cost). Vintages differ by design; see methodology.
MD-relative analysis
Goods prices places Hagerstown-Martinsburg, MD-WV near the bottom of MD's metros
Among the 4 MD metros PlainCost tracks with reported goods prices data, Hagerstown-Martinsburg, MD-WV ranks #4 - the 0th percentile within the state. This is a different, narrower cut than the nationwide rank above: it compares Hagerstown-Martinsburg, MD-WV only against its own state's metros, not the full US field.
Goods prices
#4 of 4
0th percentile in MD
Services prices
#4 of 4
0th percentile in MD
Rent prices
#4 of 4
0th percentile in MD
Ranked by raw value (highest first); a higher rank is not automatically "more expensive is worse", see the national comparison above for direction context. This is a comparison within MD only, not a livability score.
Nationwide metros with similar overall cost or rent prices
Two BEA RPP-derived peer sets for Hagerstown-Martinsburg, MD-WV: nearest metros by overall regional price parity and by rents RPP. These are cross-state neighborhoods, not the in-state metro list below.
Similar overall RPP
Nearest metros by overall regional price parity (94.2 here).
Similar rents RPP
Nearest metros by rents regional price parity (75.7 here).
Other MD Metros
View all MD metros → Cheapest in MD → Most expensive in MD →
Decision peers
Metros with a similar cost mix
These metros are closest to Hagerstown's combined goods, services, and rents profile. They may not have the same overall RPP, but their price pressures are shaped in a similar way.
Akron, OH
Goods 93.6 · Services 96.4 · Rents 76.8 Flint, MI
Goods 93.7 · Services 97.1 · Rents 74.0 Monroe, MI
Goods 93.7 · Services 93.7 · Rents 74.6 Dayton-Kettering-Beavercreek, OH
Goods 93.6 · Services 95.4 · Rents 72.7 Muskegon-Norton Shores, MI
Goods 93.7 · Services 92.8 · Rents 74.2 Cleveland, OH
Goods 93.6 · Services 96.0 · Rents 79.4
Metros with Similar Cost of Living
These metros have an overall RPP closest to Hagerstown-Martinsburg, MD-WV's index of 94.2.
Showing the 6 closest of 387 metro areas tracked nationally.
Shareable data card
Take this cost snapshot with you
Download the data card or share this exact metro record. The card uses the same BEA-derived values shown above.
Cost of living guides →, cheapest and most-expensive metro rankings, salary negotiation with RPP data, and step-by-step comparison walkthroughs.
Compare to Other Metros
What this means for Hagerstown
How to read Hagerstown's cost of living before a move, a job offer, or a budget.
- Budget to local prices, not headline pay, a $100K national salary spends like about $106,190 in Hagerstown. Salary calculator
- Start with rents: it indexes at 75.7, the largest departure from the national benchmark in this metro's BEA cost mix. Compare it with the other components before treating the overall RPP as a complete household budget.
- Compare Hagerstown head-to-head against a specific destination before you decide. Compare metros
RPP is BEA's annual price-level benchmark for the data year shown, not a live market quote. Pair it with current local wages and housing costs before deciding.
Frequently Asked Questions
What is the cost of living in Hagerstown-Martinsburg, MD-WV?
Hagerstown-Martinsburg, MD-WV has a Regional Price Parity (RPP) index of 94.2, meaning it is 5.8% less expensive than the national average. Goods are indexed at 96.4, services at 95.7, and rents at 75.7. It ranks #179 out of 387 U.S. metro areas by overall cost.
What salary do I need in Hagerstown-Martinsburg, MD-WV to match $100K nationally?
To maintain the same purchasing power as a $100,000 salary at the national average, you would need approximately $94,171 in Hagerstown-Martinsburg, MD-WV. Conversely, $100K earned in Hagerstown-Martinsburg, MD-WV has the purchasing power of $106,190 at the national average.
How expensive is rent in Hagerstown-Martinsburg, MD-WV?
Rents in Hagerstown-Martinsburg, MD-WV are indexed at 75.7, which is 24.3% below the national average. This makes the area relatively affordable for renters.
Is Hagerstown-Martinsburg, MD-WV getting more expensive?
From 2008 to 2024, Hagerstown-Martinsburg, MD-WV's overall cost index changed by -6.0 points (from 100.2 to 94.2). The cost of living has been declining.
What costs the most in Hagerstown-Martinsburg, MD-WV?
The priciest category in Hagerstown-Martinsburg, MD-WV is goods at 96.4, 3.6% below the national average, still the highest of the three categories. The most affordable category is rents at 75.7, 24.3% below average.
What metros have a similar cost of living to Hagerstown-Martinsburg, MD-WV?
Metros with the most similar overall cost index include Lake Havasu City-Kingman, Sheboygan, Elmira. These areas have RPP values within a few points of Hagerstown-Martinsburg, MD-WV's 94.2.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.