City comparison
Hagerstown, MD vs Miami, FL
What a paycheck is really worth in each city: prices, rent, state taxes and federal GS pay.
Key findings
- Prices in Miami, FL are 21.2% higher than in Hagerstown, MD. Someone earning $100,000 in Hagerstown, MD would need about $121,200 in Miami, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,995 a month in Miami, FL versus $961 in Hagerstown, MD. On $100,000, that's 30% of take-home pay in Miami, 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 Miami, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −6.9% moving from Hagerstown, MD to Miami, FL ($121,785 → $113,356), while prices change by +21.2%. Net effect of the transfer: −23.2% in real buying power.
- Hagerstown, MD: price level 94.2 (cheaper)
- Miami, FL: price level 114.2 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Hagerstown, MD | Miami, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 94.2 | 114.2 |
| $100,000 is worth, in the other city2 | $121,221 in Miami | $82,494 in Hagerstown |
| Typical 1-bedroom rent3 | $961/mo | $1,995/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% | 30% |
| Median pay, all jobs4 | $47,440 | $48,640 |
| Federal locality pay area7 | Washington-Baltimore-Arlington, DC-MD-VA-WV-PA | Miami-Port St. Lucie-Fort Lauderdale, FL |
Rent areas: Hagerstown, MD HUD Metro FMR Area and Miami-Miami Beach-Kendall, FL HUD Metro FMR Area. Metro areas: Hagerstown-Martinsburg, MD-WV and Miami-Fort Lauderdale-West Palm Beach, FL.
What costs more or less
| Price level (U.S. = 100) | Hagerstown | Miami |
|---|---|---|
| Housing (rent) | 75.7 | 155.6 |
| Goods | 96.4 | 103.6 |
| Utilities | 95.7 | 97.2 |
| Other services | 99.5 | 109.1 |
| Overall | 94.2 | 114.2 |
Moving with the same $100,000 salary
Hagerstown, MD → Miami, FL
Same pay buys less
Buying power −17.5%; rent takes 30% of take-home; state tax −$4,386/yr.
30 Weak offer
Miami, FL → Hagerstown, MD
Same pay goes further
Buying power +21.2%; rent takes 15% of take-home; state tax +$4,386/yr.
100 Strong offer
Federal employees: GS pay
Hagerstown, MD is in the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA pay area; Miami, FL is in Miami-Port St. Lucie-Fort Lauderdale, FL. The last column shows what a transfer from Hagerstown, MD to Miami, FL at the same grade and step does to real buying power.
| Grade5,2 | Hagerstown, MD | Miami, FL | Real change, Hagerstown → Miami |
|---|---|---|---|
| GS-9 step 1 | $70,623 | $65,735 | −23.2% |
| GS-11 step 1 | $85,447 | $79,533 | −23.2% |
| GS-12 step 1 | $102,415 | $95,326 | −23.2% |
| GS-13 step 1 | $121,785 | $113,356 | −23.2% |
| GS-14 step 1 | $143,913 | $133,953 | −23.2% |
Pay for common jobs
| Median annual pay4 | Hagerstown, MD | Miami, FL | Miami pay in Hagerstown dollars |
|---|---|---|---|
| Information Security Analysts | not published | $125,310 | — |
| Software Developers | $122,830 | $132,650 | $109,428 (−10.9%) |
| Accountants and Auditors | $75,250 | $80,920 | $66,754 (−11.3%) |
| Registered Nurses | $92,770 | $91,380 | $75,383 (−18.7%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.