A Maryland paycheck calculator must account for the state’s progressive income tax, with rates ranging from 2% to 5.75% depending on income level. Additionally, Maryland is one of the few states where each county also levies its own income tax, with rates that can be significant.
Enter your salary below to see your take-home pay after deductions for federal tax, Maryland state income tax, and FICA contributions.
How the Maryland Paycheck Calculator Works
Every paycheck in Maryland involves three deductions: federal income tax, Maryland state income tax, and FICA contributions (Social Security and Medicare). Maryland’s income tax is progressive; this means the tax rate increases in brackets as income rises, rather than applying a flat rate to the entire salary.
If your employer offers a 401(k) plan or subsidized health insurance, the corresponding amounts are deducted before federal and state taxes are calculated, thereby lowering your taxable income at both levels. The calculator above accounts for these deductions in the order they appear on your pay stub and adjusts the per-pay-period amount based on your pay frequency.
Maryland Paycheck Example: $60,000 Annual Salary
Here’s the breakdown for a single filer earning $60,000 a year, paid biweekly, using 2026 federal and Maryland state tax rates:
- Federal income tax: about $5,020 annually
- Maryland state tax: about $2,640 annually
- Social Security: $3,720 annually
- Medicare: $870 annually
- Net pay: about $47,750 annually, or roughly $1,837 per paycheck (biweekly)
That’s an effective tax rate of about 20%, before county tax is added.
Maryland Paycheck Example: $100,000 Annual Salary
For a single filer earning $100,000 a year, paid biweekly:
- Federal income tax: about $13,170 annually
- Maryland state tax: about $4,540 annually
- Social Security: $6,200 annually
- Medicare: $1,450 annually
- Net pay: about $74,640 annually, or roughly $2,871 per paycheck (biweekly)
The effective tax rate climbs to about 25% at this salary, again before county tax.
Does Maryland impose a state-level income tax?
Yes. Maryland uses a progressive tax system in which tax rates vary—based on income and filing status—from 2% for the lowest income brackets up to 5.75%.
In addition, every Maryland county, as well as the City of Baltimore, levies its own local income tax, typically ranging from 2.25% to 3.20% depending on the place of residence. This local tax rate is significant; in many counties, it exceeds the state’s lowest tax brackets, and the tax is paid via the same return used for the state tax.
Since this calculator only accounts for federal and state-level taxes, the actual tax burden will be higher depending on the county. Current state and county tax rates are published by the Comptroller of Maryland.
Why the county of residence matters in Maryland
Because county tax rates vary by nearly a full percentage point across the state, two individuals earning the same salary but living in different Maryland counties can have notably different take-home pay. For a $100,000 salary, the difference between the lowest and highest county tax rates results in a variation of approximately $900 per year.
This situation differs from that of most other states, where either no local income tax is levied or it applies only to a few cities. In Maryland, this tax is mandatory everywhere; therefore, it is useful to know your county’s tax rate when comparing job offers or planning a move within the state.
Maryland vs. a state with no income tax
For an annual salary of $60,000, a person living in Florida or Texas retains about $2,640 more in annual take-home pay—considering only state income tax—than someone living in Maryland. If the local tax levied at the county level is included, this difference increases by an additional $1,300 to $1,900, depending on where in Maryland the person resides.
For a salary of $100,000, the difference amounts to approximately $4,540 based on state income tax alone; when local county tax is included, the actual difference exceeds $6,500 in most counties.
If your employer offers a company retirement savings plan, our 401(k) calculator allows you to see the impact of contributions on your take-home pay.
Does Maryland impose a state income tax?
Yes. Maryland’s state income tax is progressive; rates range from 2% to 5.75%, depending on the taxpayer’s income and filing status.
Does Maryland impose a local income tax?
Yes. Every county in Maryland, as well as Baltimore City, levies a local income tax (generally between 2.25% and 3.20%); this is paid alongside the state tax on the same tax return.
How much is the county-level tax in Maryland?
It depends on where you live; rates range roughly from 2.25% to 3.20%. For a salary of $100,000, this represents an additional annual burden of between $2,250 and $3,200, on top of the state tax.
What taxes are applied to wages in Maryland?
In total, there are four deductions: federal income tax, Maryland state income tax, local county tax, and FICA contributions (Social Security and Medicare).
Is Maryland considered a high-tax state?
Generally, yes, compared to most other states. Although the state’s top marginal rate (5.75%) is average, the additional local tax paid by residents raises the overall income tax burden above that of many comparable states.