City comparison
Hagerstown, MD vs Springfield, MO
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Hagerstown, MD are 6.3% higher than in Springfield, MO. Someone earning $100,000 in Springfield, MO would need about $106,300 in Hagerstown, MD to live the same way.
- Rent differs too: a typical 1-bedroom costs $961 a month in Hagerstown, MD versus $883 in Springfield, MO. On $100,000, that's 15% of take-home pay in Hagerstown, MD and 14% in Springfield, MO.
- On $100,000, estimated state income tax is about $624 a year higher in Hagerstown, MD than in Springfield, MO.
- For federal employees, locality pay changes a GS-13 step 1 salary by −12.6% moving from Hagerstown, MD to Springfield, MO ($121,785 → $106,437), while prices change by −5.9%. Net effect of the transfer: −7.1% in real buying power.
- Hagerstown, MD: price level 94.2 (cheaper)
- Springfield, MO: price level 88.6 (much cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Hagerstown, MD | Springfield, MO | |
|---|---|---|
| Price level (U.S. = 100)2 | 94.2 | 88.6 |
| $100,000 is worth, in the other city2 | $94,068 in Springfield | $106,306 in Hagerstown |
| Typical 1-bedroom rent3 | $961/mo | $883/mo |
| Take-home on $100,00014,15,8 | $74,794 | $75,417 |
| State income tax on $100,000 (estimate)8 | $4,386 (MD) | $3,763 (MO) |
| Rent burden on $100,000 | 15% | 14% |
| Median pay, all jobs4 | $47,440 | $45,780 |
| Federal locality pay area7 | Washington-Baltimore-Arlington, DC-MD-VA-WV-PA | Rest of U.S. |
Rent areas: Hagerstown, MD HUD Metro FMR Area and Springfield, MO HUD Metro FMR Area. Metro areas: Hagerstown-Martinsburg, MD-WV and Springfield, MO.
What costs more or less
| Price level (U.S. = 100) | Hagerstown | Springfield |
|---|---|---|
| Housing (rent) | 75.7 | 65.6 |
| Goods | 96.4 | 94.2 |
| Utilities | 95.7 | 85.8 |
| Other services | 99.5 | 93.0 |
| Overall | 94.2 | 88.6 |
Moving with the same $100,000 salary
Hagerstown, MD → Springfield, MO
Same pay goes further
Buying power +6.3%; rent takes 14% of take-home; state tax −$624/yr.
88 Strong offer
Springfield, MO → Hagerstown, MD
Same pay buys less
Buying power −5.9%; rent takes 15% of take-home; state tax +$624/yr.
50 Fair offer
On the GS pay scale?
Hagerstown, MD is in the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA pay area; Springfield, MO is in Rest of U.S.. The last column shows what a transfer from Hagerstown, MD to Springfield, MO at the same grade and step does to real buying power.
| Grade5,2 | Hagerstown, MD | Springfield, MO | Real change, Hagerstown → Springfield |
|---|---|---|---|
| GS-9 step 1 | $70,623 | $61,722 | −7.1% |
| GS-11 step 1 | $85,447 | $74,678 | −7.1% |
| GS-12 step 1 | $102,415 | $89,508 | −7.1% |
| GS-13 step 1 | $121,785 | $106,437 | −7.1% |
| GS-14 step 1 | $143,913 | $125,776 | −7.1% |
Pay for common jobs
| Median annual pay4 | Hagerstown, MD | Springfield, MO | Springfield pay in Hagerstown dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,190 | $49,380 | $52,494 (−16.9%) |
| Software Developers | $122,830 | $102,350 | $108,804 (−11.4%) |
| Accountants and Auditors | $75,250 | $73,020 | $77,625 (+3.2%) |
| Registered Nurses | $92,770 | $79,370 | $84,375 (−9.0%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.