Hagerstown, MD vs North Tonawanda, NY: Cost of Living

Which city costs less?

North Tonawanda, NY has a modeled overall cost index 33.9% lower than Hagerstown, MD.

Hagerstown, MD · modeled 2BR rent: $1,340 / month
North Tonawanda, NY · modeled 2BR rent: $1,270 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Hagerstown, MD and North Tonawanda, NY using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Hagerstown, MD

Numbers update automatically as you type

Estimated savings: $2,385/month in North Tonawanda, NY

$150,000 in your current city has a modeled equivalent of $121,375 in North Tonawanda, NY

Regional cost estimates: Hagerstown, MD uses Washington, DC. North Tonawanda, NY uses Cleveland, OH. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 33.9%

Less expensive

Monthly Impact

$2,385

Savings

Annual Impact

$28.6K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Hagerstown, MD

Population:44K

Cost Index:

124.6

100 = national average

Typical Home:$310K

North Tonawanda, NY

Population:30K

Cost Index:

82.3

100 = national average

Typical Home:$265K

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Hagerstown, MD

The Old Line State

44K

Population

State Tax

Yes

Located in Maryland, this city has a population of 44K residents.

North Tonawanda, NY

The Empire State

30K

Population

State Tax

Yes

Located in New York, this city has a population of 30K residents.

Cost Breakdown by Category

Estimated monthly spending: Hagerstown, MD vs North Tonawanda, NY

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Hagerstown, MD	North Tonawanda, NY	Difference	Change
Housing	$3,568/mo	$1,300/mo	↓ $2,268less	63.6%
Transportation	$1,203/mo	$1,068/mo	↓ $135less	11.2%
Other	$1,165/mo	$1,217/mo	↑ $52.46more	4.5%
Healthcare	$446/mo	$411/mo	↓ $34.63less	7.8%
Groceries	$761/mo	$756/mo	↓ $4.56less	0.6%
All Utilities	$358/mo	$362/mo	↑ $4.13more	1.2%

Housing

↓ 63.6%

Hagerstown, MD

$3,568

North Tonawanda, NY

$1,300

Difference

$2,268

less

Transportation

↓ 11.2%

Hagerstown, MD

$1,203

North Tonawanda, NY

$1,068

Difference

$135

less

Other

↑ 4.5%

Hagerstown, MD

$1,165

North Tonawanda, NY

$1,217

Difference

$52.46

Healthcare

↓ 7.8%

Hagerstown, MD

$446

North Tonawanda, NY

$411

Difference

$34.63

less

Groceries

↓ 0.6%

Hagerstown, MD

$761

North Tonawanda, NY

$756

Difference

$4.56

less

All Utilities

↑ 1.2%

Hagerstown, MD

$358

North Tonawanda, NY

$362

Difference

$4.13

🏛️ Local Income Taxes

Hagerstown, MD: Washington County Income Tax$4,200/yr (2.8%)

North Tonawanda, NY has no local income tax recorded in this dataset.

Local taxes are shown separately and are not included in the living-cost totals. Coverage is incomplete; an absent entry does not establish that no tax applies.

🏠Rent Comparison

Studio

From$920

To$1,040

↑ $120

1 Bed

From$1,025

To$1,080

↑ $55.00

2 Bed

From$1,340

To$1,270

↓ $70.00

3 Bed

From$1,805

To$1,550

↓ $255

Hagerstown, MDZIP-level data

1BR range: $950–$1,100/mo

North Tonawanda, NYZIP-level data

1BR range: $1,080–$1,080/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Hagerstown, MD

$5,115

Monthly in North Tonawanda, NY

$2,385

Difference

Home Values

Hagerstown

North Tonawanda

$310K

Median Value

$265K

↑ +1.1%

YoY Change

↑ +5.2%

↑ +34.9%

5-Year Change

↑ +46.2%

$283K - $337K

Price Range

$265K

Homes in North Tonawanda are 14% less expensive than Hagerstown

Calculate payment - Hagerstown Calculate payment - North Tonawanda

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $2.3K

More taxes

Monthly Difference

$190

Less take-home

Effective Rate Diff

1.5%

Rate difference

Hagerstown, MD

Federal Income Tax

Effective: 18.9%

$25.5K

Maryland State Tax

Effective: 4.8%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,811/month

$105.7K

North Tonawanda, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

Additional Tax Information

Hagerstown, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

North Tonawanda, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Hagerstown

North Tonawanda

45 Good

Air Quality

54 Moderate

63.7%

Good Air Days

37.2%

98 High

Climate Risk

98 High

🌊🌀🌡

Top Hazards

🌊🌡🌪

▲+2.9°F

2050 Outlook

▲+3.3°F

27 days

Heat Days >95°F

11 days

▲+2.9°F

2050 Outlook

▲+3.3°F

27 days

Heat Days >95°F

11 days

Before moving from Hagerstown, MD to North Tonawanda, NY

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in North Tonawanda, NY for the same bedroom count and included utilities as your home in Hagerstown, MD. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Hagerstown to North Tonawanda moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to North Tonawanda, NY by cost, housing, population and region.

Frequently Asked Questions: Hagerstown, MD vs North Tonawanda, NY

How do the cost estimates for Hagerstown, MD and North Tonawanda, NY compare?

North Tonawanda, NY has a modeled overall cost index 33.9% lower than Hagerstown, MD. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Hagerstown, MD, the model estimates $121,375 in North Tonawanda, NY. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Hagerstown, MD and North Tonawanda, NY?

The modeled two-bedroom rents are $1,340/month in Hagerstown, MD and $1,270/month in North Tonawanda, NY. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Maryland and New York on TaxTakeHome.com