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Hagerstown, MD vs San Francisco, CA

Moving from Hagerstown to San Francisco? Here's what changes — from your equivalent salary to housing ($324,997 → $1,149,215 median home) and taxes.

Hagerstown vs San Francisco at a glance

Bars scaled to the range across all 200 metros; labels show actual values.

Hagerstown, MD San Francisco, CA Cost-of-living index Hagerstown, MD — Cost-of-living index: 95 95 San Francisco, CA — Cost-of-living index: 118 118 Median home price Hagerstown, MD — Median home price: $325k $325k San Francisco, CA — Median home price: $1149k $1149k Price per sqft Hagerstown, MD — Price per sqft: $171 $171 San Francisco, CA — Price per sqft: $766 $766 Median rent Hagerstown, MD — Median rent: $1,596 $1,596 San Francisco, CA — Median rent: $3,258 $3,258 Combined sales tax Hagerstown, MD — Combined sales tax: 6.0% 6.0% San Francisco, CA — Combined sales tax: 8.8% 8.8% Property tax rate Hagerstown, MD — Property tax rate: 0.70% 0.70% San Francisco, CA — Property tax rate: 0.72% 0.72% Violent crime /100k Hagerstown, MD — Violent crime /100k: 450 450 San Francisco, CA — Violent crime /100k: 500 500 Electricity ¢/kWh Hagerstown, MD — Electricity ¢/kWh: 22.1 22.1 San Francisco, CA — Electricity ¢/kWh: 35.3 35.3 Avg commute (min) Hagerstown, MD — Avg commute (min): 31 31 San Francisco, CA — Avg commute (min): 33 33 Avg summer high °F Hagerstown, MD — Avg summer high °F: 88° 88° San Francisco, CA — Avg summer high °F: 84° 84° Avg winter low °F Hagerstown, MD — Avg winter low °F: 27° 27° San Francisco, CA — Avg winter low °F: 45° 45°

To keep the same standard of living as $100,000 in Hagerstown, MD, you'd need about $123,271 in San Francisco, CA (+$23,271).

Livability — Hagerstown, MD: 65 · San Francisco, CA: 35 (0–100).

What your home budget buys

A $500,000 home budget gets you about 2,922 sqft in Hagerstown vs 653 sqft in San Francisco ($171 vs $766 per sqft).

Annual cost breakdown (at $100,000)

CategoryHagerstown, MDSan Francisco, CADifference
Housing $19,152 $39,096 +$19,944
Groceries $4,805 $5,761 +$956
Transportation $3,685 $5,125 +$1,440
Utilities $2,388 $3,804 +$1,416
Insurance $1,400 $1,500 +$100
Taxes $9,558 $24,108 +$14,550
Total $40,988 $79,394 +$38,406

Side by side

MetricHagerstown, MDSan Francisco, CA
Cost-of-living index95.4117.6
Unemployment rate4.84%5.22%
Population growth (5-yr)13.0%1.1%
Air quality (median AQI)4253
Big Mac price (est.)$5.43$6.69
Median home price$324,997$1,149,215
Home price ÷ income4.5×8.9×
1-yr home appreciation2.6%-0.8%
Price per square foot$171$766
Median rent$1,596$3,258
Total tax burden (% income)11.3%13.5%
Combined sales tax6.00%8.82%
Capital gains tax5.75%13.30%
Property tax rate0.70%0.72%
Healthcare (annual)$7,200$7,200
Childcare (annual, infant)$16,000$19,000
Vehicle property taxNone0.65%
Avg commute (min)3133
Home insurance / yr$1,400$1,500
Auto insurance / yr$1,900$2,400
Flood insurance / yr$750$750
Earthquake insurance / yr$100$950
Electricity ¢/kWh22.135.3
Gas $/gal3.304.85
Violent crime /100k450500
Avg summer high °F8884
Avg winter low °F2745
Permit difficulty (1–5)45
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