Maryland Paycheck Calculator 2026
Maryland's state brackets run from 2% to 5.75% for most earners, with new 6.25% and 6.5% brackets added above $500,000 and $1 million. The standard deduction is modest — $3,350 single / $6,700 married.
The headline number understates a Maryland paycheck's real tax, though: every Maryland county (and Baltimore City) levies its own income tax, roughly 2.25%–3.3%, withheld alongside the state tax. That local layer isn't in the estimate below, so add your county's rate for the full picture.
The calculator shows one paycheck as payroll would withhold it: federal income tax from your Form W-4 under the IRS 2026 percentage method, Social Security, Medicare and Maryland income tax. Switch to Annual tax to see what you owe for the year instead.
Paid hourly? Try the Maryland hourly paycheck calculator. Comparing states? The take-home pay calculator covers all 50 states and DC in one tool.
New for 2027: paychecks dated January 1, 2027 or later also carry a Maryland FAMLI deduction of up to 0.45% of wages (on wages up to $192,300). This 2026 calculator does not include it yet; the Maryland FAMLI calculator works it out per paycheck.
Take-home pay on $75,000 in Maryland (2026)
- Every two weeks
- $2,246
- Per month
- $4,866
- Per year
- $58,394
- Effective tax rate
- 22.1%
Single filer, no 401(k), 2026 federal and Maryland rules. Maryland ranks #35 of 51 for take-home at this salary. Tax year 2026; figures last checked 2026-10-29. Enter your own pay below.
Married filing is unavailable until an explicit Maryland schedule is sourced; we do not substitute single-filer brackets.
Form W-4 adjustments · optional
Copy these from the W-4 you gave your employer. Leave them blank if you only filled in Step 1.
$2,200 for each child under 17 plus $500 for each other dependent, as entered on the form.
Capped at the 2026 standard employee limit of $24,500.
Rates run about 2.25%–3.3% and apply to the state taxable base. Listed rates are representative — confirm yours with your locality.
Health premiums, HSA and similar. Lowers income tax and take-home cash, but not Social Security, Medicare or state program deductions.
- Gross pay
- $2,884.62
- Federal income tax withheld
- −$263.27
- Maryland income tax (est.)
- −$116.18
- Social Security and Medicare
- −$220.68
- 401(k) contribution
- −$144.23
- Take-home pay
- $2,140.26
An estimated $3,021 a year goes to Maryland income tax.
Federal withholding follows IRS Publication 15-T (2026) and your Form W-4 entries. Maryland income tax is the year's estimated tax spread evenly across your paychecks; your employer's state withholding formula can differ a little. Social Security, Medicare and state program deductions are averaged over the year. Credits, bonuses and mid-year changes are not modeled. Maryland local income tax is left out until you pick a rate.
Sources & assumptions
Tax year 2026
Tax data 2026.10.29-interim
Page updated 2026-10-29
- The per-paycheck view withholds federal income tax from your Form W-4 entries using the IRS 2026 percentage method (Publication 15-T). State income tax is the year's estimate spread evenly across paychecks, not the state's own withholding formula.
- Mandatory state payroll programs (such as CA SDI, NY Paid Family Leave, NJ and RI disability insurance, WA Paid Leave and WA Cares) are included at their 2026 employee rates and caps. The Annual tax view shows the year's liability instead of withholding.
- Pay date, year-to-date pay, bonuses, tax credits and residence/work-state interaction are not modeled.
- Local income tax is included only when you select a listed or custom rate in a salaried state calculator. Hourly estimates and comparison tables exclude local income tax; listed rates are representative, so confirm yours with your locality.
- State schedules are an interim planning model. Filing combinations without a sourced schedule are unavailable rather than silently approximated.
- Internal Revenue Service: 2026 inflation adjustments and income-tax brackets — Federal annual-liability brackets and standard deductions.
- Internal Revenue Service: Publication 15-T (2026) — Worksheet 1A and the 2026 annual percentage-method tables used for per-paycheck federal withholding from a Form W-4.
- Social Security Administration: 2026 contribution and benefit base — Social Security wage base and employee rate.
- Internal Revenue Service: Additional Medicare Tax — Liability thresholds and the additional 0.9% rate.
- Tax Foundation: 2026 state individual income-tax rates and brackets — Secondary compilation used as a starting reference; local taxes are excluded.
- Arizona State Legislature: Arizona Laws 2026, Chapter 140 — Signed June 13, 2026; supersedes the earlier Arizona deduction snapshot.
- Plante Moran state and local tax advisor (April 2026): Supplemental budget with OBBBA conformity — Maine's 2026 IRC-conformity update; supersedes the earlier Maine deduction snapshot.
- California Franchise Tax Board: 2025 Form 540 tax rate schedules and standard deduction — California's latest published Schedule X and Y brackets; the $5,706 / $11,412 standard deduction is from the 2025 Form 540 booklet, line 18.
- Connecticut Department of Revenue Services: IP 2026(7), Is My Connecticut Withholding Correct? — Connecticut's 2026 rate table, 2% phase-out add-back and tax recapture tables.
- New York State Department of Taxation and Finance: Instructions for Form IT-2105 (2026) — New York's 2026 rate schedules and the tax computation worksheets that apply the supplemental tax above $107,650.
The email includes this route only; calculator inputs are not attached.
Maryland income tax in 2026, briefly
Maryland uses graduated brackets, so income within higher bands is taxed at higher marginal rates. Married filing is offered only where the data contains an explicit married schedule.
Figures use 2026 rates and are estimates for planning — not tax advice.
Maryland salary after tax: take-home pay by salary (2026)
Planning estimates across common annual salaries in Maryland. Figures assume a single filer with no 401(k) or other entered deductions. Contributing pre-tax can reduce income tax but also reduces current take-home cash, so it does not automatically increase net pay.
| Salary | Annual estimate | Annual ÷ 12 | Annual ÷ 26 | Effective tax rate |
|---|---|---|---|---|
| $35,000 | $29,004 | $2,417 | $1,116 | 17.1% |
| $40,000 | $32,784 | $2,732 | $1,261 | 18.0% |
| $45,000 | $36,564 | $3,047 | $1,406 | 18.7% |
| $50,000 | $40,344 | $3,362 | $1,552 | 19.3% |
| $55,000 | $44,124 | $3,677 | $1,697 | 19.8% |
| $60,000 | $47,904 | $3,992 | $1,842 | 20.2% |
| $65,000 | $51,684 | $4,307 | $1,988 | 20.5% |
| $75,000 | $58,394 | $4,866 | $2,246 | 22.1% |
| $80,000 | $61,674 | $5,139 | $2,372 | 22.9% |
| $90,000 | $68,234 | $5,686 | $2,624 | 24.2% |
| $100,000 | $74,794 | $6,233 | $2,877 | 25.2% |
| $110,000 | $81,345 | $6,779 | $3,129 | 26.1% |
| $125,000 | $91,084 | $7,590 | $3,503 | 27.1% |
| $150,000 | $106,875 | $8,906 | $4,111 | 28.8% |
| $175,000 | $122,604 | $10,217 | $4,716 | 29.9% |
| $200,000 | $139,277 | $11,606 | $5,357 | 30.4% |
Assumptions: 2026 federal brackets and standard deduction, FICA (Social Security up to the $184,500 wage base plus Medicare), Maryland's 2026 income tax. Single filer, 0% 401(k), no other pre-tax deductions. Effective tax rate is everything withheld as a share of gross pay. Local taxes and credits are excluded.
Maryland income tax brackets (2026)
| Taxable income | Marginal rate |
|---|---|
| $0 – $1,000 | 2% |
| $1,000 – $2,000 | 3% |
| $2,000 – $3,000 | 4% |
| $3,000 – $100,000 | 4.75% |
| $100,000 – $125,000 | 5% |
| $125,000 – $150,000 | 5.25% |
| $150,000 – $250,000 | 5.5% |
| $250,000 – $500,000 | 5.75% |
| $500,000 – $1,000,000 | 6.25% |
| $1,000,000+ | 6.5% |
New Maryland payroll deduction in 2027
Family and Medical Leave Insurance (employee share)
0.45%First $192,300 of wages · paychecks dated January 1, 2027 or later
Starting with wages paid on January 1, 2027, the FAMLI contribution is 0.9% of wages up to the Social Security wage base ($192,300 in 2027). Employers may deduct up to half, 0.45%, from employees, including at employers with fewer than 15 workers.
The calculator above uses 2026 rules, so it does not deduct this yet. On a $60,000 salary it will take $270.00 a year; the Maryland FAMLI calculator works it out per paycheck.
Maryland Department of Labor — FAMLI contributionsChecked against the state agency and SSA on November 6, 2026. Employers may deduct less than the rate shown.
Maryland local income tax rates
Every Maryland county and Baltimore City levies a local income tax collected on the state return. It applies to Maryland taxable income at a single flat county rate, so it behaves like a second state income tax rather than a small city add-on — this is the largest local income tax burden in the country.
| Jurisdiction | Resident rate | Non-resident rate |
|---|---|---|
| Baltimore City | 3.2% | same |
| Montgomery County | 3.2% | same |
| Prince George's County | 3.2% | same |
| Howard County | 3.2% | same |
| Baltimore County | 3.2% | same |
| Anne Arundel County | 2.7% | same |
| Frederick County | 2.96% | same |
| Worcester County | 2.25% | same |
Representative published rates for the largest Maryland jurisdictions, applied to the state taxable base. Local rates are set locally and change on their own timetable — confirm yours with Comptroller of Maryland — local tax rates. The calculator above accepts any rate, so an unlisted locality can still be modeled.
How Maryland compares to every other state
On a $75,000 salary, Maryland ranks #35 of 51 for annual take-home pay among the 50 states plus DC (single filer, no 401(k); state income tax and state payroll deductions, no local tax). The gap between the most and least favourable jurisdiction on this salary is about $6,514 a year.
| Rank | State | Annual estimate on $75k | vs. Maryland |
|---|---|---|---|
| #1 | Florida | $61,593 | +$3,199 |
| #33 | Idaho | $58,471 | +$77 |
| #34 | Georgia | $58,449 | +$55 |
| #35 | Maryland (this state) | $58,394 | — |
| #36 | Utah | $58,255 | −$139 |
| #37 | South Carolina | $58,250 | −$144 |
| #51 | Oregon | $55,079 | −$3,315 |
Same salary, next state over
How a $75,000 salary compares in Maryland versus neighboring states — same federal tax and FICA, single filer, no 401(k), so the difference comes from state income tax and any state payroll deductions.
| State | Annual estimate on $75k | vs. Maryland |
|---|---|---|
| Maryland (this state) | $58,394 | — |
| Virginia | $58,094 | −$300 |
| West Virginia | $58,912 | +$519 |
| Pennsylvania | $59,238 | +$844 |
| Delaware | $57,574 | −$820 |
| District of Columbia | $58,164 | −$230 |
Frequently asked questions
- Does Maryland have a state income tax?
- Yes. Maryland uses a progressive state income tax with rates that rise across income brackets. Maryland's personal exemption ($3,200 single / $6,400 married, phasing out at higher incomes) is modeled with the standard deduction. Maryland counties add a local income tax (roughly 2.25%–3.3%) on top of the state schedule; new 6.25% and 6.5% brackets apply above $500k/$1M.
- Does Maryland have a local income tax?
- Yes. Maryland localities levy a county income tax of roughly 2.25%–3.3%, applied to the state taxable base. Every Maryland county and Baltimore City levies a local income tax collected on the state return. It applies to Maryland taxable income at a single flat county rate, so it behaves like a second state income tax rather than a small city add-on — this is the largest local income tax burden in the country. Enter your own rate in the calculator above to fold it into the estimate.
- How much is taken out of my paycheck in Maryland?
- Pay is reduced by federal income tax, FICA (6.2% Social Security up to the $184,500 wage base plus 1.45% Medicare), Maryland state income tax, any county income tax, and voluntary deductions such as a 401(k). Enter a salary and pay frequency above for the full breakdown.
- How does Maryland's county income tax work?
- Each of Maryland's 23 counties and Baltimore City sets its own income tax rate, roughly 2.25%–3.3%, based on where you live. It's withheld with your state tax, so your combined Maryland rate is typically 2–3 points higher than the state schedule alone. It is left out of the default estimate; choose your locality or enter your own rate in the calculator above to include it.
- What are Maryland's new top tax brackets?
- Maryland added 6.25% and 6.5% brackets on taxable income over $500,000 and $1 million respectively. Below that, the long-standing schedule tops out at 5.75% above $250,000 for a single filer.
- Is this the amount an employer will withhold in Maryland?
- For federal income tax, it is close: the per-paycheck view follows the IRS's 2026 percentage method (Publication 15-T) and the Form W-4 entries you give it, as payroll software does. Maryland income tax is the year's estimated tax spread evenly across your paychecks, so your employer's state formula can land a little higher or lower. Social Security, Medicare are averaged over the year, and bonuses, year-to-date caps and payroll rounding can move a single stub by a few dollars.
- How is this estimate calculated?
- Per paycheck, federal withholding comes from your Form W-4 entries and the IRS 2026 percentage-method tables. Social Security is 6.2% up to the $184,500 wage base and Medicare 1.45% (plus 0.9% withheld above $200,000). The state line applies the 2026 state schedule to your annual pay and divides it by your paychecks, then any local rate you choose and the state's mandatory payroll programs are added. The Annual tax view shows the year's liability from 2026 brackets and the standard deduction instead. Tax credits are not modeled.
- How reliable is this Maryland paycheck estimate?
- It is a close planning estimate, not a pay stub. It does not model tax credits, every benefit rule, work/residence-state interactions, year-to-date withholding, bonuses or your employer's own state withholding formula. Your pay stub and filed return are the relevant records.