City comparison

Hagerstown, MD vs Waterbury, CT

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

Key findings

  • Prices in Waterbury, CT are 6.0% higher than in Hagerstown, MD. Someone earning $100,000 in Hagerstown, MD would need about $106,000 in Waterbury, CT to live the same way.
  • Rent is the bigger story: a typical 1-bedroom costs $1,445 a month in Waterbury, CT versus $961 in Hagerstown, MD. On $100,000, that's 23% of take-home pay in Waterbury, CT and 15% in Hagerstown, MD.
  • On $100,000, estimated state income tax is about $461 a year higher in Hagerstown, MD than in Waterbury, CT.
  • For federal employees, locality pay changes a GS-13 step 1 salary by +3.0% moving from Hagerstown, MD to Waterbury, CT ($121,785 → $125,431), while prices change by +6.0%. Net effect of the transfer: −2.8% in real buying power.
HagerstownWaterbury
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Hagerstown, MD: price level 94.2 (cheaper)
  • Waterbury, CT: price level 99.8 (about average)

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

Side by side

Hagerstown, MDWaterbury, CT
Price level (U.S. = 100)294.299.8
$100,000 is worth, in the other city2$105,954 in Waterbury$94,381 in Hagerstown
Typical 1-bedroom rent3$961/mo$1,445/mo
Take-home on $100,00014,15,8$74,794$75,255
State income tax on $100,000 (estimate)8$4,386 (MD)$3,925 (CT)
Rent burden on $100,00015%23%
Median pay, all jobs4$47,440$51,440
Federal locality pay area7Washington-Baltimore-Arlington, DC-MD-VA-WV-PANew York-Newark, NY-NJ-CT-PA

Rent areas: Hagerstown, MD HUD Metro FMR Area and Waterbury-Shelton, CT MSA. Metro areas: Hagerstown-Martinsburg, MD-WV and Waterbury-Shelton, CT.

What costs more or less

Hagerstown, MDWaterbury, CT
Price level (U.S. = 100)HagerstownWaterbury
Housing (rent)75.789.1
Goods96.497.3
Utilities95.7147.6
Other services99.5102.7
Overall94.299.8
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Hagerstown, MD → Waterbury, CT

Same pay buys less

Buying power −5.6%; rent takes 23% of take-home; state tax −$461/yr.

51 Fair offer

Waterbury, CT → Hagerstown, MD

Same pay goes further

Buying power +6.0%; rent takes 15% of take-home; state tax +$461/yr.

87 Strong offer

On the GS pay scale?

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

Grade5,2Hagerstown, MDWaterbury, CTReal change, Hagerstown → Waterbury
GS-9 step 1$70,623$72,737−2.8%
GS-11 step 1$85,447$88,005−2.8%
GS-12 step 1$102,415$105,481−2.8%
GS-13 step 1$121,785$125,431−2.8%
GS-14 step 1$143,913$148,222−2.8%

Pay for common jobs

Median annual pay4Hagerstown, MDWaterbury, CTWaterbury pay in Hagerstown dollars
Elementary School Teachers, Except Special Education$63,190$79,640$75,165 (+19.0%)
Software Developers$122,830$131,290$123,912 (+0.9%)
Accountants and Auditors$75,250$93,010$87,783 (+16.7%)
Registered Nurses$92,770$101,690$95,976 (+3.5%)

"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.