Hagerstown, MD vs Houston, TX
Moving from Hagerstown to Houston? Here's what changes — from your equivalent salary to housing ($324,997 → $308,306 median home) and taxes.
Hagerstown vs Houston 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 Hagerstown, MD, you'd need about $93,228 in Houston, TX (−$6,772).
Livability — Hagerstown, MD: 64 · Houston, TX: 75 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,922 sqft in Hagerstown vs 3,406 sqft in Houston ($171 vs $147 per sqft).
Annual cost breakdown (at $100,000)
| Category | Hagerstown, MD | Houston, TX | Difference |
|---|---|---|---|
| Housing | $19,152 | $19,668 | +$516 |
| Groceries | $4,805 | $5,085 | +$280 |
| Transportation | $3,685 | $3,675 | −$10 |
| Utilities | $5,700 | $5,064 | −$636 |
| Insurance | $180 | $180 | +$0 |
| Taxes | $9,598 | $2,870 | −$6,728 |
| Total | $43,119 | $36,542 | −$6,578 |
Effective state & local tax rate on $100,000 — Hagerstown, MD: 9.6% · Houston, TX: 2.9% (income + local + sales + property tax where applicable ÷ income)
Assumptions: 500 gal gasoline/yr · $5000 base annual grocery · 35% of income sales-taxable. Renter: housing = median rent, renter's insurance, no property tax.
Side by side
| Metric | Hagerstown, MD | Houston, TX |
|---|---|---|
| Cost-of-living index | 95.4 | 99.7 |
| Unemployment rate | 4.84% | 5.96% |
| Population growth (5-yr) | 13.0% | 7.6% |
| Air quality (median AQI) | 42 | 63 |
| Big Mac price (est.) | $5.43 | $5.67 |
| Median home price | $324,997 | $308,306 |
| Home price ÷ income | 4.5× | 3.9× |
| 1-yr home appreciation | 2.6% | -2.0% |
| Price per square foot | $171 | $147 |
| Median rent | $1,596 | $1,639 |
| Total tax burden (state avg, Tax Foundation) | 11.3% | 8.6% |
| Combined sales tax | 6.00% | 8.20% |
| Capital gains tax | 5.75% | None |
| Property tax rate | 0.70% | 1.79% |
| Life expectancy at birth | 73.9 yrs | 77.7 yrs |
| Healthcare (annual) | $7,200 | $6,800 |
| Uninsured (share of residents) | 7.4% | 19.6% |
| Primary care providers / 100k | 49 | 61 |
| Childcare (annual, infant) | $16,000 | $9,500 |
| Vehicle property tax | None | None |
| Days per year ≥ 90°F | 14 | 84 |
| Days per year ≥ 100°F | 0 | 1 |
| Homes with air conditioning (state) | 91% | 95% |
| Avg commute (min) | 31 | 30 |
| Commute by driving alone | 77.4% | 73.6% |
| Home insurance / yr | $1,400 | $3,600 |
| Auto insurance / yr | $1,900 | $2,100 |
| FEMA risk index (0–100, higher = more risk) | 66.3 — Relatively Low | 97.6 — Relatively High |
| Flood insurance / yr | $750 | $900 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 22.1 | 17.0 |
| Gas $/gal | 3.30 | 3.00 |
| Natural gas / mo | $88 | $52 |
| Water & sewer / mo | $106 | $134 |
| Home internet / mo | $82 | $83 |
| Violent crime /100k (state avg) | 450 | 430 |
| Avg summer high °F | 88 | 96 |
| Avg winter low °F | 27 | 38 |
| Annual precipitation (in) | 45.0 | 55.6 |
| Annual snowfall (in) | 19.3 | 0.1 |
| Sunshine (% possible) | 57% | 59% |
| Permit difficulty (1–5) | 4 | 2 |
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