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Maryland Paycheck Calculator 2026

Net take-home pay in Maryland after federal tax, Maryland state tax and FICA. Every Maryland county adds a 2.25%-3.2% local income tax; results update instantly. 2026 tax rates.

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Type your gross salary on the left and your full take-home breakdown, taxes, deductions and net pay, updates instantly.

Estimates only. This calculator uses 2026 federal and state tax rates for illustrative purposes. It does not account for all possible deductions, credits, local taxes, or individual circumstances. Consult a tax professional or use official IRS tools for accurate withholding calculations.

Paycheck Calculator FAQ

What is the Maryland state income tax rate?

Graduated from 2% to 5.75%, but compressed: the 4.75% bracket stretches from $3,000 all the way to $100,000 for single filers, so nearly every trade salary pays 4.75% at the margin, with the 5%-5.75% rates reserved for six-figure income. The county tax then adds its own 2.25%-3.2% on the same base.

How much is the Maryland county income tax?

Between about 2.25% and 3.2% of taxable income, depending on the county where you live, every county and Baltimore City levy one, collected through the same withholding as state tax. Montgomery and Prince George's counties charge near the maximum, so a capital-suburb tradesperson on $65,000 sends the county roughly $1,600 a year.

Why is Maryland take-home lower than Virginia's at the same salary?

The county layer. State rates are similar, Maryland's 4.75% band against Virginia's effective 5.75%, but Virginia localities cannot tax wages while every Maryland county does. Net of both layers, a Maryland resident on $65,000 keeps roughly $1,600-$2,000 less than a Virginian, which is why many capital-region trades choose Virginia addresses.

How much of my salary do I keep in Maryland?

Typically 70-79% for salaries between $40,000 and $120,000 (single filer, standard federal deduction) after federal tax, state tax at an effective ~5.75% and FICA; your county's 2.25%-3.2% comes out of the same withholding. A $65,000 salary nets about $50,400 on that basis. Enter your exact numbers for a precise breakdown.

Maryland Take-Home

Take-home pay in Maryland: what makes it different

A Maryland paycheck loses federal income tax, Social Security (6.2%), Medicare (1.45%), Maryland state income tax, 4.75% covers most trade pay, rising to 5.75% at the top, and a county income tax of 2.25% to 3.2% that every Maryland county and Baltimore City levy, withheld together with state tax. Combined state-plus-county rates of 7%-9% are among the heaviest wage-tax loads in the country. A single filer earning $65,000 takes home about $50,400 a year (78%) before county tax. Enter any gross salary for the exact breakdown. (This page's table applies the 5.75% effective rate from the site's state-tax dataset.)

5.75%
Maryland state income tax
78%
Take-home at $65k, single filer, standard deduction
$52,600
Married filing jointly take-home at $65k (81%)

How much is your salary after taxes in Maryland? (2026)

Estimated annual and monthly take-home for a single filer taking the standard deduction. Enter your exact figures in the calculator above for a personalised breakdown.

Married filing jointly? A household earning $65,000 in Maryland keeps about $52,600 (~81%) — thanks to a larger standard deduction and wider brackets.

Gross salaryFederal + FICATake-home / yrTake-home / mo% kept
$40,000$8,121$31,879$2,65780%
$50,000$10,661$39,339$3,27879%
$60,000$13,201$46,799$3,90078%
$70,000$16,394$53,606$4,46777%
$80,000$19,934$60,066$5,00675%
$90,000$23,474$66,526$5,54474%
$100,000$27,014$72,986$6,08273%
$120,000$34,127$85,873$7,15672%
Is Maryland the highest-tax state for wages in the region?

For combined state-plus-local rates, yes, 7%-9% beats Virginia (max 5.75%, no local), Pennsylvania (3.07% plus ~1%), Delaware and West Virginia. Only DC's upper brackets exceed it. Maryland's higher federal-corridor wages absorb some of the difference, but on identical salaries Maryland withholds the most.

How does Maryland tax commuters and cross-border work?

By residence, mostly. Maryland residents owe state and county tax on all wages wherever earned, with credits for tax paid to other states. Reciprocity agreements with Virginia, West Virginia, Pennsylvania and DC mean commuters generally withhold only for their home state, a DC job site does not create DC tax for a Maryland resident.

What deductions come out of a Maryland paycheck?

Federal income tax, Social Security (6.2% to $176,100), Medicare (1.45%, plus 0.9% over $200,000), Maryland state tax, your county's 2.25%-3.2% local income tax, and voluntary pre-tax items, 401(k), health premiums, HSA/FSA and union dues. Maryland's paid-family-leave program is phasing in employer-side; check current employee-share rules.

Maryland salary calculatorMaryland trade salary guidesPaycheck calculator, all states
Sources & methodology

Take-home figures apply 2026 federal income-tax brackets and the standard deduction, Social Security (6.2% to the $176,100 wage base) and Medicare (1.45%). Primary sources: IRS · Comptroller of Maryland · Maryland local tax rates. Reviewed 2026-07-21 by the GlobalCybers Data Desk · estimates only, not tax advice. Full methodology →

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Paycheck calculator by state

State income tax is the single biggest swing in your take-home pay, from 0% in nine states to 13.3% at the top in California. Pick your state to see net pay after federal tax, FICA and state tax on any salary. States marked No tax have no state income tax.

AlabamaAlaskaNo taxArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaNo taxGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNo taxNew HampshireNo taxNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaNo taxTennesseeNo taxTexasNo taxUtahVermontVirginiaWashingtonNo taxWashington D.C.West VirginiaWisconsinWyomingNo tax