Beltsville, MD vs Hagerstown, MD

The cost of living difference between Beltsville, MD and Hagerstown, MD is dramatic. Hagerstown is 58.5% cheaper than Beltsville, a gap that translates to thousands of dollars per year in household expenses. Beltsville has a cost index of 130 while Hagerstown sits at 82, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Beltsville is $1,989/month compared to $1,041/month in Hagerstown — a 91% difference. Home values follow the same pattern: Hagerstown is more affordable at $207,700 median vs $381,100.

Median household income in Beltsville is $97,115 compared to $49,957 in Hagerstown (+94.4%). While Beltsville is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Beltsville spend roughly 24.6% of their income on rent, less than the 25% in Hagerstown.

Climate-wise, Beltsville is notably warmer with an average of 59.3°F compared to 55.4°F in Hagerstown. Beltsville receives more rainfall at 41.8" per year compared to 35.6" in Hagerstown.