What is the cost of living in Hagerstown, MD?
According to the most recent data on the cost of living, Hagerstown has an overall cost of living index of 102, which is 1.0x higher than the national index of 100.
Compared to Maryland, Hagerstown has a cost of living index that's 0.8x lower than Maryland's index of 121.
The standard of living in Hagerstown ranks as #4 most affordable out of the 195 places we measured in Maryland. By definition, that implies Hagerstown ranks as the #191 most expensive place in the Old Line State.
For more reading on life in Hagerstown, check out:
Hagerstown Cost Of Living Vs. Maryland
Six factors go into calculating the cost of living index in Hagerstown. Here is how it fares on each of the criteria:
The Services index in Hagerstown is 105.
The Groceries index in Hagerstown is 106.
The Health index in Hagerstown is 90.
The Housing index in Hagerstown is 109.
The Transportation index in Hagerstown is 105.
The Utilities index in Hagerstown is 111.
| Living Expense | Hagerstown | Maryland | National Average |
|---|---|---|---|
| Overall | 102 | 121 | 100 |
| Services | 105 | 104 | 100 |
| Groceries | 106 | 107 | 100 |
| Health | 90 | 152 | 100 |
| Housing | 109 | 109 | 100 |
| Transportation | 105 | 108 | 100 |
| Utilities | 111 | 109 | 100 |
Hagerstown Cost Of Living Compared To Maryland Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Maryland, check out:
Protect your home budget Compare home warranties in Hagerstown Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Hagerstown, MD Housing Cost Breakdown
Housing swings affordability the most between places in Maryland, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Hagerstown is $300,051.
The Median Rent in Hagerstown is $1,114.
The Median Income in Hagerstown is $52,221.
The Home Value To Income in Hagerstown is 5.7x.
The Rent To Monthly Income in Hagerstown is 0.26x.
| Statistic | Hagerstown | Maryland | United States |
|---|---|---|---|
| Median Home Value | $300,051 | $429,704 | $332,700 |
| Median Rent | $1,114 | $1,705 | $1,413 |
| Median Income | $52,221 | $103,678 | $80,734 |
| Home Value To Income | 5.7x | 4.1x | 4.1x |
| Rent To Monthly Income | 0.26x | 0.2x | 0.21x |
Hagerstown, MD Costs By Category
Detailed Hagerstown Services costs vs. Maryland
| Item | Hagerstown | Maryland |
|---|---|---|
| Shampoo | $1.51 | $1.28 |
| Movie | $15.69 | $12.13 |
| Bowling | $24.83 | $18 |
| Haircut | $26.11 | $24.26 |
| Beauty Salon | $70.08 | $45.56 |
Detailed Hagerstown Groceries costs vs. Maryland
| Item | Hagerstown | Maryland |
|---|---|---|
| Ground Beef | $6.24 | $5.84 |
| Fried Chicken | $1.4 | $1.57 |
| Milk | $4.78 | $4.67 |
| Potatoes | $5.49 | $4.93 |
| Pizza | $12.56 | $12.09 |
| Beer | $11.1 | $10.41 |
| Toothpaste | $3.81 | $3.7 |
Detailed Hagerstown Health costs vs. Maryland
| Item | Hagerstown | Maryland |
|---|---|---|
| Optometrist | $92.0 | $125.68 |
| Doctor | $135.03 | $135.78 |
| Dentist | $117.67 | $113.29 |
Detailed Hagerstown Transportation costs vs. Maryland
| Item | Hagerstown | Maryland |
|---|---|---|
| Gasoline | $3.25 | $3.46 |
| Tire Balancing | $59.0 | $59.92 |
Detailed Hagerstown Utilities costs vs. Maryland
| Item | Hagerstown | Maryland |
|---|---|---|
| All Electricity | $222.47 | $193.99 |
| Phone | $197.37 | $192.25 |
Hagerstown SnackAbility
Cost Of Living In Cities Around Hagerstown
The cost of living varies in the cities and towns around Hagerstown. Here's a quick look at the cost of living in the most populous nearby places:
Oxford, OH has a cost of living index of 98, 1.0x Hagerstown.
Trenton, OH has a cost of living index of 92, 0.9x Hagerstown.
Englewood, OH has a cost of living index of 88, 0.9x Hagerstown.
| City | Population | Cost Of Living | Vs. Hagerstown |
|---|---|---|---|
| Oxford, OH | 21,753 | 98 | 1.0x |
| Trenton, OH | 13,583 | 92 | 0.9x |
| Englewood, OH | 13,356 | 88 | 0.9x |
| Clayton, OH | 13,277 | 93 | 0.9x |
| Harrison, OH | 13,084 | 95 | 0.9x |
| Greenville, OH | 12,741 | 83 | 0.8x |
| Union, OH | 7,037 | 91 | 0.9x |
| Germantown, OH | 5,825 | 94 | 0.9x |
| Brookville, OH | 5,779 | 91 | 0.9x |
