Cincinnati, OH vs Hagerstown, MD
Moving from Cincinnati to Hagerstown? Here's what changes — from your equivalent salary to housing ($311,270 → $324,997 median home) and taxes.
Cincinnati vs Hagerstown at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Cincinnati, OH, you'd need about $101,206 in Hagerstown, MD (+$1,206).
Livability — Cincinnati, OH: 70 · Hagerstown, MD: 65 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,651 sqft in Cincinnati vs 2,922 sqft in Hagerstown ($189 vs $171 per sqft).
Annual cost breakdown (at $100,000)
| Category | Cincinnati, OH | Hagerstown, MD | Difference |
|---|---|---|---|
| Housing | $18,900 | $19,152 | +$252 |
| Groceries | $4,718 | $4,805 | +$87 |
| Transportation | $3,025 | $3,685 | +$660 |
| Utilities | $2,100 | $2,388 | +$288 |
| Insurance | $1,300 | $1,400 | +$100 |
| Taxes | $8,820 | $9,558 | +$738 |
| Total | $38,863 | $40,988 | +$2,125 |
Side by side
| Metric | Cincinnati, OH | Hagerstown, MD |
|---|---|---|
| Cost-of-living index | 94.2 | 95.4 |
| Unemployment rate | 4.37% | 4.84% |
| Population growth (5-yr) | 4.5% | 13.0% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.36 | $5.43 |
| Median home price | $311,270 | $324,997 |
| Home price ÷ income | 4.1× | 4.5× |
| 1-yr home appreciation | 2.5% | 2.6% |
| Price per square foot | $189 | $171 |
| Median rent | $1,575 | $1,596 |
| Total tax burden (% income) | 10.0% | 11.3% |
| Combined sales tax | 7.24% | 6.00% |
| Capital gains tax | 3.50% | 5.75% |
| Property tax rate | 1.26% | 0.70% |
| Healthcare (annual) | $6,400 | $7,200 |
| Childcare (annual, infant) | $10,000 | $16,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 25 | 31 |
| Home insurance / yr | $1,300 | $1,400 |
| Auto insurance / yr | $1,300 | $1,900 |
| Flood insurance / yr | $600 | $750 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 19.5 | 22.1 |
| Gas $/gal | 3.25 | 3.30 |
| Natural gas / mo | $78 | $88 |
| Water & sewer / mo | $104 | $106 |
| Home internet / mo | $76 | $82 |
| Violent crime /100k | 300 | 450 |
| Avg summer high °F | 85 | 88 |
| Avg winter low °F | 20 | 27 |
| Annual precipitation (in) | 45.3 | 45.0 |
| Annual snowfall (in) | 23.3 | 19.3 |
| Sunshine (% possible) | 50% | 57% |
| Permit difficulty (1–5) | 2 | 4 |