Miami, FL vs Hagerstown, MD
Moving from Miami to Hagerstown? Here's what changes — from your equivalent salary to housing ($475,622 → $324,997 median home) and taxes.
Miami 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 Miami, FL, you'd need about $85,076 in Hagerstown, MD (−$14,924).
Livability — Miami, FL: 57 · Hagerstown, MD: 65 (0–100).
What your home budget buys
A $500,000 home budget gets you about 1,945 sqft in Miami vs 2,922 sqft in Hagerstown ($257 vs $171 per sqft).
Annual cost breakdown (at $100,000)
| Category | Miami, FL | Hagerstown, MD | Difference |
|---|---|---|---|
| Housing | $32,316 | $19,152 | −$13,164 |
| Groceries | $5,091 | $4,805 | −$287 |
| Transportation | $4,800 | $3,685 | −$1,115 |
| Utilities | $1,656 | $2,388 | +$732 |
| Insurance | $4,200 | $1,400 | −$2,800 |
| Taxes | $5,772 | $9,558 | +$3,786 |
| Total | $53,835 | $40,988 | −$12,848 |
Side by side
| Metric | Miami, FL | Hagerstown, MD |
|---|---|---|
| Cost-of-living index | 112.1 | 95.4 |
| Unemployment rate | 5.24% | 4.84% |
| Population growth (5-yr) | 1.7% | 13.0% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $6.38 | $5.43 |
| Median home price | $475,622 | $324,997 |
| Home price ÷ income | 6.9× | 4.5× |
| 1-yr home appreciation | -2.9% | 2.6% |
| Price per square foot | $257 | $171 |
| Median rent | $2,693 | $1,596 |
| Total tax burden (% income) | 9.1% | 11.3% |
| Combined sales tax | 7.02% | 6.00% |
| Capital gains tax | None | 5.75% |
| Property tax rate | 0.90% | 0.70% |
| Healthcare (annual) | $7,500 | $7,200 |
| Childcare (annual, infant) | $10,000 | $16,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 30 | 31 |
| Home insurance / yr | $4,200 | $1,400 |
| Auto insurance / yr | $2,900 | $1,900 |
| Flood insurance / yr | $1,400 | $750 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 15.4 | 22.1 |
| Gas $/gal | 3.35 | 3.30 |
| Natural gas / mo | $38 | $88 |
| Water & sewer / mo | $88 | $106 |
| Home internet / mo | $76 | $82 |
| Violent crime /100k | 380 | 450 |
| Avg summer high °F | 91 | 88 |
| Avg winter low °F | 52 | 27 |
| Annual precipitation (in) | 67.4 | 45.0 |
| Annual snowfall (in) | 0.0 | 19.3 |
| Sunshine (% possible) | 70% | 57% |
| Permit difficulty (1–5) | 3 | 4 |