Maryland Take-Home Pay Calculator
5.75% top rateEstimate your net paycheck after federal taxes, FICA, and Maryland state income tax.
Last updated: April 2026
Maryland Income Tax
Maryland has a graduated income tax with a top rate of 5.75%, plus mandatory county income taxes that add 2.25%–3.2% on top.
Maryland State Income Tax: What You Need to Know
Maryland has a graduated income tax with a top rate of 5.75%, plus mandatory county income taxes that add 2.25%–3.2% on top.
Maryland has a graduated state income tax with eight brackets ranging from 2% to 5.75%. But the headline state rate is only part of the story — every Maryland county and Baltimore City levies its own income tax on top of state tax, ranging from 2.25% (Carroll, Dorchester, Kent, Somerset, Wicomico, Worcester) to 3.2% (Baltimore City, Howard County, Prince George's County, Montgomery County). These county taxes are withheld from paychecks alongside state tax. A Baltimore City resident earning $80,000 effectively pays state + city = roughly 9% combined before federal taxes. The paycheck examples below show state tax only — add your county rate for the real picture.
On top of state taxes, all workers also pay federal income tax based on the 2026 progressive brackets, plus FICA taxes: Social Security (6.2% up to $176,100) and Medicare (1.45% on all wages).
Our calculator applies Maryland's 5.75% top rate to your gross income as a simplified estimate. Actual state taxes may vary based on deductions, exemptions, and local taxes not captured in this estimate.
Maryland Income Tax Brackets (2026, Single Filers)
| Income Range | Tax Rate |
|---|---|
| $0 – $1,000 | 2.00% |
| $1,000 – $2,000 | 3.00% |
| $2,000 – $3,000 | 4.00% |
| $3,000 – $100,000 | 4.75% |
| $100,000 – $125,000 | 5.00% |
| $125,000 – $150,000 | 5.25% |
| $150,000 – $250,000 | 5.50% |
| $250,000 – and above | 5.75% |
Maryland Take-Home Pay Examples (2026, Single Filer)
Estimates based on standard deduction, no pre-tax deductions. Last updated: April 2026.
| Salary | Federal Tax | State Tax | FICA | Take-Home |
|---|---|---|---|---|
| $40,000 | $3,167 | $1,848 | $3,060 | $31,925 |
| $60,000 | $6,617 | $2,798 | $4,590 | $45,995 |
| $80,000 | $10,817 | $3,748 | $6,120 | $59,315 |
| $100,000 | $15,617 | $4,698 | $7,650 | $72,035 |
Frequently Asked Questions: Maryland Taxes
Does Maryland have county income taxes on top of state tax?
Yes — every Maryland county and Baltimore City levies its own income tax on residents, ranging from 2.25% to 3.2%. These county taxes are withheld from your paycheck in addition to the state income tax. Montgomery County and Prince George's County both charge 3.2%, as does Baltimore City. Howard County charges 3.2% as well. This makes Maryland's total state+county income tax burden among the higher ones in the Mid-Atlantic region.
What are Maryland's state income tax brackets for 2026?
Maryland has eight state income tax brackets for 2026: 2% on income up to $1,000; 3% on $1,000–$2,000; 4% on $2,000–$3,000; 4.75% on $3,000–$100,000; 5% on $100,000–$125,000; 5.25% on $125,000–$150,000; 5.5% on $150,000–$250,000; and 5.75% on income over $250,000. Most middle-income earners effectively pay the 4.75% rate on the bulk of their income.
What county in Maryland has the highest income tax?
Baltimore City, Howard County, Montgomery County, and Prince George's County all charge the maximum 3.2% county income tax. When combined with the state rate of roughly 4.75% for most middle-income earners, workers in these jurisdictions pay approximately 7.95% in total state+county income tax — one of the higher combined rates in the country.
Does Maryland tax Social Security benefits?
Maryland does not tax Social Security benefits — they are fully exempt from both state and county income taxes. Maryland also provides a pension exclusion for taxpayers age 65 and older: up to $34,300 of pension income is excluded from Maryland taxable income. This makes Maryland moderately retirement-friendly despite its high overall rate structure.
Does Maryland have a standard deduction?
Yes. Maryland's standard deduction for single filers is between 15% and 15% of adjusted gross income, with a minimum of $1,600 and a maximum of $2,400. This is substantially lower than the federal standard deduction ($15,000 for single filers in 2026), meaning Maryland taxes a much larger portion of income than the federal government does at the same income level.
What is Maryland's minimum wage in 2026?
Maryland's minimum wage is $15.00/hour in 2026. Maryland reached the $15/hour level in 2023 for large employers and in 2024 for smaller employers, making it one of the states that has fully implemented the $15 minimum. Montgomery County has a higher minimum of $17.15/hour. Maryland's minimum applies to most workers and is indexed to go higher in future years.