City comparison
Eugene, OR vs Hagerstown, MD
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Eugene, OR are 7.9% higher than in Hagerstown, MD. Someone earning $100,000 in Hagerstown, MD would need about $107,900 in Eugene, OR to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,286 a month in Eugene, OR versus $961 in Hagerstown, MD. On $100,000, that's 22% of take-home pay in Eugene, OR and 15% in Hagerstown, MD.
- On $100,000, estimated state income tax is about $3,534 a year higher in Eugene, OR than in Hagerstown, MD.
- For federal employees, locality pay changes a GS-13 step 1 salary by +14.4% moving from Eugene, OR to Hagerstown, MD ($106,437 → $121,785), while prices change by −7.3%. Net effect of the transfer: +23.4% in real buying power.
- Eugene, OR: price level 101.6 (about average)
- Hagerstown, MD: price level 94.2 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Eugene, OR | Hagerstown, MD | |
|---|---|---|
| Price level (U.S. = 100)2 | 101.6 | 94.2 |
| $100,000 is worth, in the other city2 | $92,717 in Hagerstown | $107,855 in Eugene |
| Typical 1-bedroom rent3 | $1,286/mo | $961/mo |
| Take-home on $100,00014,15,8 | $71,260 | $74,794 |
| State income tax on $100,000 (estimate)8 | $7,920 (OR) | $4,386 (MD) |
| Rent burden on $100,000 | 22% | 15% |
| Median pay, all jobs4 | $49,680 | $47,440 |
| Federal locality pay area7 | Rest of U.S. | Washington-Baltimore-Arlington, DC-MD-VA-WV-PA |
Rent areas: Eugene-Springfield, OR MSA and Hagerstown, MD HUD Metro FMR Area. Metro areas: Eugene-Springfield, OR and Hagerstown-Martinsburg, MD-WV.
What costs more or less
| Price level (U.S. = 100) | Eugene | Hagerstown |
|---|---|---|
| Housing (rent) | 98.3 | 75.7 |
| Goods | 105.3 | 96.4 |
| Utilities | 102.5 | 95.7 |
| Other services | 100.3 | 99.5 |
| Overall | 101.6 | 94.2 |
Moving with the same $100,000 salary
Eugene, OR → Hagerstown, MD
Same pay goes further
Buying power +7.9%; rent takes 15% of take-home; state tax −$3,534/yr.
93 Strong offer
Hagerstown, MD → Eugene, OR
Same pay buys less
Buying power −7.3%; rent takes 22% of take-home; state tax +$3,534/yr.
46 Fair offer
On the GS pay scale?
Eugene, OR is in the Rest of U.S. pay area; Hagerstown, MD is in Washington-Baltimore-Arlington, DC-MD-VA-WV-PA. The last column shows what a transfer from Eugene, OR to Hagerstown, MD at the same grade and step does to real buying power.
| Grade5,2 | Eugene, OR | Hagerstown, MD | Real change, Eugene → Hagerstown |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $70,623 | +23.4% |
| GS-11 step 1 | $74,678 | $85,447 | +23.4% |
| GS-12 step 1 | $89,508 | $102,415 | +23.4% |
| GS-13 step 1 | $106,437 | $121,785 | +23.4% |
| GS-14 step 1 | $125,776 | $143,913 | +23.4% |
Pay for common jobs
| Median annual pay4 | Eugene, OR | Hagerstown, MD | Hagerstown pay in Eugene dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $64,260 | $63,190 | $68,153 (+6.1%) |
| Software Developers | $121,050 | $122,830 | $132,478 (+9.4%) |
| Accountants and Auditors | $79,930 | $75,250 | $81,161 (+1.5%) |
| Registered Nurses | $113,720 | $92,770 | $100,057 (−12.0%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.