Maryland Paycheck Calculator (2026)
Estimate your Maryland take-home pay after federal income tax, Social Security, Medicare, Maryland state tax and county income tax.
Maryland state and county tax in 2026
Maryland has ten state income tax rates from 2% to 6.5%. Most middle-income earners pay 4.75% on the bulk of their taxable income. The state standard deduction used for withholding is $3,400 for single filers, and each exemption is worth $3,200.
On top of state tax, every Maryland county and Baltimore City charges a local income tax. For 2026 the rates run from 2.25% to 3.30%, and many large counties charge 3.2%. The calculator uses 3.2% by default. Change it to your county's rate.
Example take-home pay in Maryland
Single filer, no 401(k), paid every 2 weeks with a 3.2% county tax:
Maryland income tax brackets for 2026
These are the rates applied to your Maryland taxable income, which is your pay after the deductions and exemptions described above.
| Single filers | Rate | Married filing jointly | Rate |
|---|---|---|---|
| Up to $1,000 | 2% | Up to $1,000 | 2% |
| $1,000 to $2,000 | 3% | $1,000 to $2,000 | 3% |
| $2,000 to $3,000 | 4% | $2,000 to $3,000 | 4% |
| $3,000 to $100,000 | 4.75% | $3,000 to $150,000 | 4.75% |
| $100,000 to $125,000 | 5% | $150,000 to $175,000 | 5% |
| $125,000 to $150,000 | 5.25% | $175,000 to $225,000 | 5.25% |
| $150,000 to $250,000 | 5.5% | $225,000 to $300,000 | 5.5% |
| $250,000 to $500,000 | 5.75% | $300,000 to $600,000 | 5.75% |
| $500,000 to $1,000,000 | 6.25% | $600,000 to $1,200,000 | 6.25% |
| Over $1,000,000 | 6.5% | Over $1,200,000 | 6.5% |
Maryland take-home pay at different salaries
Estimated yearly figures for a single filer with no 401(k), using the same rules as the calculator above.
| Salary | Federal tax | Social Security + Medicare | Maryland taxes | Take-home / year | Every 2 weeks | Total tax rate |
|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $1,808 | $24,477 | $941 | 18.4% |
| $50,000 | $3,820 | $3,825 | $3,398 | $38,957 | $1,498 | 22.1% |
| $75,000 | $7,670 | $5,738 | $5,385 | $56,207 | $2,162 | 25.1% |
| $100,000 | $13,170 | $7,650 | $7,373 | $71,807 | $2,762 | 28.2% |
| $150,000 | $24,734 | $11,475 | $11,502 | $102,289 | $3,934 | 31.8% |
How to keep more of your paycheck in Maryland
On a $60,000 salary, putting 5% ($3,000) into a traditional 401(k) reduces your yearly take-home pay by about $2,402 (roughly $92 less every 2 weeks). That is less than the full $3,000 because the contribution saves about $360 in federal income tax and about $239 in Maryland tax. The tax you avoid stays in your pocket instead of going to the government.
Filing status also matters. A married couple filing jointly with one $60,000 income takes home about $48,902 a year in Maryland, compared with $46,197 for a single filer, mostly because of the larger standard deduction and wider tax brackets.
How this calculator works
We subtract your 401(k) contribution and the 2026 standard deduction ($16,100 single, $32,200 married filing jointly), then apply the 2026 federal brackets (IRS Rev. Proc. 2025-32). Social Security is 6.2% up to $184,500 of pay, and Medicare is 1.45% (plus 0.9% on high pay). Maryland's standard deduction and exemptions are small, so more of your income is taxed. The joint standard deduction is estimated at double the single amount.
Maryland paycheck questions
Does Maryland have a county income tax?
Yes. Every county and Baltimore City charges one, between 2.25% and 3.30% in 2026. It is withheld along with your state tax.
What county rate should I use?
Use the rate for the county where you live, not where you work. Montgomery, Baltimore City, Baltimore County, Howard and Prince George's are all around 3.2%.
What are Maryland's top tax rates?
Two high-earner brackets were added: 6.25% above $500,000 and 6.5% above $1 million for single filers.
Rates last updated: October 2026. This is an estimate and does not include credits, benefits or W-4 changes. Official source: Comptroller of Maryland.
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