Cloverly, MD vs Hagerstown, MD

The cost of living difference between Cloverly, MD and Hagerstown, MD is dramatic. Hagerstown is 87.1% cheaper than Cloverly, a gap that translates to thousands of dollars per year in household expenses. Cloverly has a cost index of 153 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 Cloverly is $2,031/month compared to $1,041/month in Hagerstown — a 95% difference. Home values follow the same pattern: Hagerstown is more affordable at $207,700 median vs $652,200.

Median household income in Cloverly is $146,316 compared to $49,957 in Hagerstown (+192.9%). While Cloverly is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Cloverly spend roughly 16.7% of their income on rent, less than the 25% in Hagerstown.

Climate-wise, both cities share similar average temperatures (56.2°F vs 55.4°F). Cloverly receives more rainfall at 45" per year compared to 35.6" in Hagerstown.