Hagerstown-Martinsburg Chicago-Naperville-Elgin

Relocation analysis based on 7 federal data sources

Verdict
Neutral — Depends on Priorities
Cost Index: 94.2 → 103.6
Rent Delta: +$520/mo

Pros of Moving

  • + $13K higher median salary
  • + Lower violent crime rate
  • + More affordable childcare

Cons of Moving

  • - 9% higher cost of living
  • - $520/mo more expensive rent (2BR)
  • - More environmental violations

Moving from Hagerstown-Martinsburg to Chicago-Naperville-Elgin shifts your BEA Regional Price Parity from 94.2 to 103.6 (100 = US average), so a Hagerstown-Martinsburg salary needs to be multiplied by 1.10 to hold the same purchasing power in Chicago-Naperville-Elgin. On rent, HUD Fair Market Rent for a 2-bedroom goes from $1,261/month in Hagerstown-Martinsburg to $1,781/month in Chicago-Naperville-Elgin - a higher monthly bill of $520, or $6,240/year. That rent delta alone is often the single biggest line item when relocating.

Wages tell the other half. BLS Occupational Employment and Wage Statistics report a median salary of $64,224 in Hagerstown-Martinsburg versus $77,100 in Chicago-Naperville-Elgin - a raw gap of $12,876 higher. The Chicago-Naperville-Elgin labor market has 4,480,500 tracked jobs against 100,850 in Hagerstown-Martinsburg, shaping how easy it is to find a comparable role. Combine that with the cost-of-living shift above and you get the real purchasing-power delta, sometimes a "higher salary" is actually a pay cut once rent and RPP are applied.

Safety, schools, and childcare round out the move. FBI UCR violent crime rates near Hagerstown-Martinsburg and Chicago-Naperville-Elgin are 425 and 277 per 100,000 (state-level). NCES student-teacher ratios run 14.5:1 at origin versus 14:1 at destination. DOL center-based infant care costs $14,631/year in Hagerstown-Martinsburg versus $12,257/year in Chicago-Naperville-Elgin. Our composite verdict - Neutral — Depends on Priorities - weighs all seven federal sources; the dimension table below lets you override that with your personal priorities.

Dimension
Hagerstown-Martinsburg
Chicago-Naperville-Elgin
Winner
💰 Cost of Living
RPP 94.2
RPP 103.6
Hagerstown-Martinsburg
🏠 Rent (2BR)
$1,261/mo
$1,781/mo
Hagerstown-Martinsburg
💼 Wages
$64,224
$77,100
Chicago-Naperville-Elgin
🔒 Crime
425 per 100K
277 per 100K
Chicago-Naperville-Elgin
🎓 Schools
14.5:1
14:1
Chicago-Naperville-Elgin
👶 Childcare
$14,631/yr
$12,257/yr
Chicago-Naperville-Elgin
🌿 Environment
506 violations
2825 violations
Hagerstown-Martinsburg

Salary Adjustment Calculator

Enter your current salary in Hagerstown-Martinsburg to see what you'd need to earn in Chicago-Naperville-Elgin to maintain the same purchasing power.

Equivalent salary in Chicago-Naperville-Elgin
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Frequently Asked Questions

Is Chicago-Naperville-Elgin more expensive than Hagerstown-Martinsburg?
Chicago-Naperville-Elgin has an RPP of 103.6 compared to Hagerstown-Martinsburg's 94.2 (100 = national average). Chicago-Naperville-Elgin is more expensive overall. The 2BR rent in Chicago-Naperville-Elgin is $1,781/mo vs $1,261/mo in Hagerstown-Martinsburg.
What are salaries like in Chicago-Naperville-Elgin compared to Hagerstown-Martinsburg?
The median salary in Chicago-Naperville-Elgin is $77,100 compared to $64,224 in Hagerstown-Martinsburg. That's a +$12,876 difference.
Is Chicago-Naperville-Elgin safer than Hagerstown-Martinsburg?
The violent crime rate near Chicago-Naperville-Elgin is 277 per 100K vs 425 per 100K near Hagerstown-Martinsburg (state-level data). Chicago-Naperville-Elgin has a lower crime rate.
How much would I need to earn in Chicago-Naperville-Elgin to match my Hagerstown-Martinsburg salary?
To maintain the same purchasing power, multiply your Hagerstown-Martinsburg salary by 1.10. For example, a $75,000 salary in Hagerstown-Martinsburg would need to be $82,505 in Chicago-Naperville-Elgin. Use the salary calculator above for your exact figure.
What does the "Neutral — Depends on Priorities" verdict mean?
The verdict is computed from 7 dimensions, cost of living, rent, wages, crime, schools, childcare, and environment, using federal data. "Neutral — Depends on Priorities" means both metros are roughly equivalent across the 7 dimensions. Individual priorities may shift the balance, weigh the dimensions that matter most to you.

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Source: BEA Regional Price Parities, HUD Fair Market Rents, BLS OES, FBI UCR, NCES, DOL, EPA June 2026

Data Sources

  • Cost of Living: Bureau of Economic Analysis (BEA) Regional Price Parities
  • Rent: HUD Fair Market Rents (FMR)
  • Wages: Bureau of Labor Statistics (BLS) Occupational Employment and Wage Statistics (OES)
  • Crime: FBI Uniform Crime Reporting (UCR) - state level
  • Schools: National Center for Education Statistics (NCES)
  • Childcare: Department of Labor (DOL) - state level
  • Environment: Environmental Protection Agency (EPA)