Indianapolis, IN vs Hagerstown, MD
Moving from Indianapolis to Hagerstown? Here's what changes — from your equivalent salary to housing ($295,921 → $324,997 median home) and taxes.
Indianapolis 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 Indianapolis, IN, you'd need about $100,750 in Hagerstown, MD (+$750).
Livability — Indianapolis, IN: 71 · Hagerstown, MD: 65 (0–100).
What your home budget buys
A $500,000 home budget gets you about 3,211 sqft in Indianapolis vs 2,922 sqft in Hagerstown ($156 vs $171 per sqft).
Annual cost breakdown (at $100,000)
| Category | Indianapolis, IN | Hagerstown, MD | Difference |
|---|---|---|---|
| Housing | $18,636 | $19,152 | +$516 |
| Groceries | $4,740 | $4,805 | +$65 |
| Transportation | $3,250 | $3,685 | +$435 |
| Utilities | $1,932 | $2,388 | +$456 |
| Insurance | $1,600 | $1,400 | −$200 |
| Taxes | $7,367 | $9,558 | +$2,191 |
| Total | $37,525 | $40,988 | +$3,463 |
Side by side
| Metric | Indianapolis, IN | Hagerstown, MD |
|---|---|---|
| Cost-of-living index | 94.7 | 95.4 |
| Unemployment rate | 4.28% | 4.84% |
| Population growth (5-yr) | 6.1% | 13.0% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.39 | $5.43 |
| Median home price | $295,921 | $324,997 |
| Home price ÷ income | 4.0× | 4.5× |
| 1-yr home appreciation | 1.3% | 2.6% |
| Price per square foot | $156 | $171 |
| Median rent | $1,553 | $1,596 |
| Total tax burden (% income) | 9.3% | 11.3% |
| Combined sales tax | 7.00% | 6.00% |
| Capital gains tax | 3.05% | 5.75% |
| Property tax rate | 0.84% | 0.70% |
| Healthcare (annual) | $6,600 | $7,200 |
| Childcare (annual, infant) | $12,000 | $16,000 |
| Vehicle property tax | 1.20% | None |
| Avg commute (min) | 25 | 31 |
| Home insurance / yr | $1,600 | $1,400 |
| Auto insurance / yr | $1,400 | $1,900 |
| Flood insurance / yr | $600 | $750 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 17.9 | 22.1 |
| Gas $/gal | 3.30 | 3.30 |
| Natural gas / mo | $72 | $88 |
| Water & sewer / mo | $102 | $106 |
| Home internet / mo | $81 | $82 |
| Violent crime /100k | 360 | 450 |
| Avg summer high °F | 86 | 88 |
| Avg winter low °F | 20 | 27 |
| Annual precipitation (in) | 43.6 | 45.0 |
| Annual snowfall (in) | 25.5 | 19.3 |
| Sunshine (% possible) | 55% | 57% |
| Permit difficulty (1–5) | 2 | 4 |