City comparison

Hagerstown, MD vs Richmond, VA

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in Richmond, VA are 3.9% higher than in Hagerstown, MD. Someone earning $100,000 in Hagerstown, MD would need about $103,900 in Richmond, VA to live the same way.
  • Rent is the bigger story: a typical 1-bedroom costs $1,507 a month in Richmond, VA versus $961 in Hagerstown, MD. On $100,000, that's 24% of take-home pay in Richmond, VA and 15% in Hagerstown, MD.
  • On $100,000, estimated state income tax is about $550 a year higher in Richmond, VA than in Hagerstown, MD.
  • For federal employees, locality pay changes a GS-13 step 1 salary by −8.7% moving from Hagerstown, MD to Richmond, VA ($121,785 → $111,183), while prices change by +3.9%. Net effect of the transfer: −12.1% in real buying power.
HagerstownRichmond
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Hagerstown, MD: price level 94.2 (cheaper)
  • Richmond, VA: price level 97.9 (cheaper)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

Hagerstown, MDRichmond, VA
Price level (U.S. = 100)294.297.9
$100,000 is worth, in the other city2$103,915 in Richmond$96,232 in Hagerstown
Typical 1-bedroom rent3$961/mo$1,507/mo
Take-home on $100,00014,15,8$74,794$74,244
State income tax on $100,000 (estimate)8$4,386 (MD)$4,936 (VA)
Rent burden on $100,00015%24%
Median pay, all jobs4$47,440$51,460
Federal locality pay area7Washington-Baltimore-Arlington, DC-MD-VA-WV-PARichmond, VA

Rent areas: Hagerstown, MD HUD Metro FMR Area and Richmond, VA HUD Metro FMR Area. Metro areas: Hagerstown-Martinsburg, MD-WV and Richmond, VA.

What costs more or less

Hagerstown, MDRichmond, VA
Price level (U.S. = 100)HagerstownRichmond
Housing (rent)75.799.1
Goods96.496.8
Utilities95.789.2
Other services99.598.6
Overall94.297.9
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Hagerstown, MD → Richmond, VA

Same pay buys less

Buying power −3.8%; rent takes 24% of take-home; state tax +$550/yr.

57 Fair offer

Richmond, VA → Hagerstown, MD

Same pay goes further

Buying power +3.9%; rent takes 15% of take-home; state tax −$550/yr.

81 Strong offer

On the GS pay scale?

Hagerstown, MD is in the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA pay area; Richmond, VA is in Richmond, VA. The last column shows what a transfer from Hagerstown, MD to Richmond, VA at the same grade and step does to real buying power.

Grade5,2Hagerstown, MDRichmond, VAReal change, Hagerstown → Richmond
GS-9 step 1$70,623$64,475−12.1%
GS-11 step 1$85,447$78,009−12.1%
GS-12 step 1$102,415$93,499−12.1%
GS-13 step 1$121,785$111,183−12.1%
GS-14 step 1$143,913$131,385−12.1%

Pay for common jobs

Median annual pay4Hagerstown, MDRichmond, VARichmond pay in Hagerstown dollars
Elementary School Teachers, Except Special Education$63,190$61,290$58,981 (−6.7%)
Software Developers$122,830$132,120$127,142 (+3.5%)
Accountants and Auditors$75,250$84,220$81,047 (+7.7%)
Registered Nurses$92,770$93,580$90,054 (−2.9%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.
  16. U.S. Department of Labor, Employment and Training Administration, O*NET 31.0 Database: Job Titles (used under CC BY 4.0; O*NET is a trademark of USDOL/ETA) (2026). Retrieved 2026-10-14.