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Hagerstown-Martinsburg, MD-WV

Cost of living in Morgan County, WV

Part of the Hagerstown Metro Area

Estimated monthly cost
$2,688/mo
for a single person, all categories combined

Population 17,327 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $733 27%
Federal tax $497 18%
Healthcare $480 18%
Transport $320 12%
Groceries $306 11%
Energy $192 7%
State tax $105 4%
Water $55 2%

Rent in Morgan County

Fair Market Rents by bedroom count.

Studio
$629
per month
1 bedroom
$733
per month
2 bedroom
$918
per month
3 bedroom
$1,250
per month
4 bedroom
$1,542
per month

Source: HUD FMR FY2025

Income and earnings in Morgan County

Annual earnings figures from the Census ACS.

Household income
$63,805
per year
Individual earnings
$40,424
per year
Per capita
$34,803
per year

Source: ACS 2019-2023 5-Year.

Home values in Morgan County

Average values reported by homeowners.

Average home value
$223,100
Annual property tax
$1,145

Source: ACS 2019-2023 5-Year

Energy costs in Morgan County

Estimated monthly electricity and gas costs.

Electricity
$140
per month · 14¢/kWh
Natural gas
$52
per month
Annual total
$2,304
per year

Source: EIA

Healthcare in Morgan County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
6.5%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Morgan County

State and local tax rates for West Virginia.

State income tax
5.1%
Top marginal rate
State sales tax
6.0%
Combined sales tax
6.6%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Morgan County

Commute patterns and estimated costs.

Average commute
41.7 min
Drive alone
80.1%
Public transit
0.2%
Work from home
7.7%

Source: ACS

Monthly cost estimates for Morgan County

What it costs to live in Morgan County each month.

Single person
$2,688
per month
  • Rent $733
  • Energy $192
  • Water $55
  • Groceries $306
  • Transport $320
  • Healthcare $480
  • Federal tax $497
  • State tax $105
Couple
$3,916
per month
  • Rent $918
  • Energy $230
  • Water $65
  • Groceries $507
  • Transport $420
  • Healthcare $864
  • Federal tax $714
  • State tax $198
Family
$6,364
per month
  • Rent $1,250
  • Energy $288
  • Water $75
  • Groceries $769
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $714
  • State tax $198

Frequently asked questions about Morgan County

Common questions about cost of living, rent and salary.

What is the average rent in Morgan County?

In Morgan County, WV, a one-bedroom apartment averages $733 per month, a two-bedroom averages $918 per month, a three-bedroom averages $1,250 per month, according to HUD Fair Market Rent data.

What is the average salary in Morgan County?

In Morgan County, WV, the average household income is $63,805 per year and individual earnings for full-time workers average $40,424 per year, according to U.S. Census Bureau data.

What is the cost of living in Morgan County?

The estimated cost of living in Morgan County, WV is approximately $2,688 per month for a single person, $3,916 for a couple, $6,364 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Morgan County?

The combined sales tax rate in Morgan County, WV is 6.56%, which includes the West Virginia state rate of 6.00% plus an average local rate of 0.56%.

Is Morgan County an affordable place to live?

Based on the data, a single person in Morgan County, WV would need approximately $2,688 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $63,805 per year ($5,317 per month). Morgan County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Morgan County?

The ACA marketplace benchmark premium in Morgan County, WV is approximately $480 per month for an individual. Approximately 6.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Morgan County?

The average home value in Morgan County, WV is $223,100, with average annual property taxes of $1,145, according to U.S. Census Bureau data.

How does Morgan County compare to other areas?

You can compare Morgan County, WV with any other US county using our comparison tool at /compare. Morgan County is in the Hagerstown-Martinsburg, MD-WV metro area.

Other counties in West Virginia

Browse the full list of counties in West Virginia, ranked by cost of living.

See all counties in West Virginia

Compare Morgan County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources