See what you take home after Maryland, county and federal taxes
A Maryland salary can have more than one layer of income tax. In addition to federal taxes and payroll contributions, Maryland charges state income tax, and every county and Baltimore City imposes a local income tax.
Use this 2026 Maryland tax calculator to estimate your salary after taxes, hourly take-home pay and net paycheck. Choose the county where you live, enter your income and deductions, and see the estimated federal, state, county, Social Security and Medicare amounts separately.
Maryland salary and income tax calculator
Start with your annual salary or hourly wage. Choose your Maryland resident county to calculate the appropriate local income tax. The default location is Baltimore City as an example; change it if you live elsewhere.
How much tax comes out of a Maryland paycheck in 2026?
Maryland employees generally have federal income tax, state income tax, county or Baltimore City income tax, Social Security and Medicare deducted from their wages. Benefits and other payroll deductions can lower net pay further.
Maryland state tax
Progressive state brackets based on Maryland taxable income and filing status.
County income tax
Local rates depend on your resident jurisdiction, with special structures in Anne Arundel and Frederick.
Typical employee FICA
Combined Social Security and regular Medicare rates for covered wages below the Social Security limit.
Take-home pay formula
How to get a useful result
- Enter your annual salary or hourly wages. Include any predictable overtime and bonuses.
- Choose your county of residence. A Baltimore City resident should not use Worcester County’s lower rate, even if working there.
- Select filing status. This affects federal brackets, Maryland rate schedules and the Maryland personal-exemption phaseout.
- Check the deductions. Federal and Maryland standard deductions are different. Qualified retirement and health deductions can affect taxable income.
- Review your results. Compare the annual total and the actual payroll frequency shown on your paycheck.
The result is a planning estimate, not an official tax return. Maryland’s tax tables and employer withholding calculations can differ from a simple annualized computation.
Maryland take-home pay examples for 2026
These examples assume a single Maryland resident living in Baltimore City, earning W-2 wages throughout 2026, using the basic federal standard deduction and Maryland standard deduction, claiming one basic Maryland personal exemption where eligible, and having no other credits, adjustments or benefits.
| Gross salary | Annual net pay | Biweekly net | Monthly net |
|---|---|---|---|
| $40,000 | $31,717.20 | $1,219.89 | $2,643.10 |
| $50,000 | $38,957.20 | $1,498.35 | $3,246.43 |
| $60,000 | $46,197.20 | $1,776.82 | $3,849.77 |
| $75,000 | $56,207.20 | $2,161.82 | $4,683.93 |
| $85,000 | $62,447.20 | $2,401.82 | $5,203.93 |
| $100,000 | $71,807.20 | $2,761.82 | $5,983.93 |
| $125,000 | $87,166.00 | $3,352.54 | $7,263.83 |
Worked example: $75,000 salary in Baltimore City
For a single employee earning $75,000 annually with no adjustments, federal taxable income is approximately $58,900 after the 2026 basic federal standard deduction of $16,100.
Federal taxes
- Federal income tax estimate: $7,670
- Social Security: $4,650
- Medicare: $1,087.50
Maryland taxes
- Maryland standard deduction: $3,400
- Basic personal exemption: $3,200
- Maryland taxable income: $68,400
- Maryland state tax: $3,196.50
- Baltimore City local tax: $2,188.80
Total estimated federal, state, local, Social Security and Medicare taxes are $18,792.80. Subtracting those amounts from $75,000 gives $56,207.20 in estimated annual take-home pay, or approximately $2,161.82 per biweekly paycheck.
Maryland income tax brackets: 2% to 6.5%
Maryland has different upper brackets for single and married-separate taxpayers versus married-joint and head-of-household taxpayers.
The rates apply progressively. Being in the 5.75% bracket does not mean that all income is taxed at 5.75%.
Single and married filing separately
| Maryland taxable income | Marginal state rate |
|---|---|
| $0–$1,000 | 2% |
| Over $1,000–$2,000 | 3% |
| Over $2,000–$3,000 | 4% |
| Over $3,000–$100,000 | 4.75% |
| Over $100,000–$125,000 | 5% |
| Over $125,000–$150,000 | 5.25% |
| Over $150,000–$250,000 | 5.5% |
| Over $250,000–$500,000 | 5.75% |
| Over $500,000–$1,000,000 | 6.25% |
| Over $1,000,000 | 6.5% |
Married filing jointly and head of household
| Maryland taxable income | Marginal state rate |
|---|---|
| $0–$1,000 | 2% |
| Over $1,000–$2,000 | 3% |
| Over $2,000–$3,000 | 4% |
| Over $3,000–$150,000 | 4.75% |
| Over $150,000–$175,000 | 5% |
| Over $175,000–$225,000 | 5.25% |
| Over $225,000–$300,000 | 5.5% |
| Over $300,000–$600,000 | 5.75% |
| Over $600,000–$1,200,000 | 6.25% |
| Over $1,200,000 | 6.5% |
What changed for higher-income Maryland taxpayers?
Maryland’s legislation effective beginning tax year 2025 added 6.25% and 6.5% brackets at higher taxable-income levels. Those brackets remain relevant in 2026.
Maryland also imposes an additional 2% tax on certain net capital gains when federal adjusted gross income exceeds $350,000, subject to exceptions. That separate tax is not an automatic tax on regular paycheck wages and is not calculated by this W-2 income tool.
Review the official Maryland tax-law changes PDF before applying high-income rules to a real filing situation.
2026 Maryland local income tax rates by county
This is one of the most important parts of calculating Maryland take-home pay accurately. Maryland residents pay a local income tax determined by their county or Baltimore City of residence, not simply their work address.
Unlike the state tax brackets, most jurisdictions impose a flat local tax rate on Maryland taxable income. Anne Arundel and Frederick have special graduated arrangements.
| County or jurisdiction | 2026 local income tax rate |
|---|---|
| Allegany County | 3.20% |
| Anne Arundel County | 2.70%–3.20% (graduated) |
| Baltimore City | 3.20% |
| Baltimore County | 3.20% |
| Calvert County | 3.20% |
| Caroline County | 3.20% |
| Carroll County | 3.03% |
| Cecil County | 2.74% |
| Charles County | 3.03% |
| Dorchester County | 3.30% |
| Frederick County | 2.25%–3.20% (income-based) |
| Garrett County | 2.65% |
| Harford County | 3.06% |
| Howard County | 3.20% |
| Kent County | 3.30% |
| Montgomery County | 3.20% |
| Prince George’s County | 3.20% |
| Queen Anne’s County | 3.20% |
| St. Mary’s County | 3.20% |
| Somerset County | 3.20% |
| Talbot County | 2.40% |
| Washington County | 2.95% |
| Wicomico County | 3.20% |
| Worcester County | 2.25% |
Anne Arundel County’s graduated local rates
Anne Arundel’s 2026 local tax uses a progressive system.
| Filing group | Taxable income range | Marginal local rate |
|---|---|---|
| Single / married separate | First $50,000 | 2.70% |
| Single / married separate | Over $50,000–$400,000 | 2.94% |
| Single / married separate | Over $400,000 | 3.20% |
| Married joint / head of household | First $75,000 | 2.70% |
| Married joint / head of household | Over $75,000–$480,000 | 2.94% |
| Married joint / head of household | Over $480,000 | 3.20% |
Frederick County’s income-based local rates
Frederick has a different approach. Its rate is determined by the taxpayer’s Maryland taxable-income bracket and applied to the taxable-income amount under the fixed-rate structure.
| Single / married separate income | Joint / head-of-household income | Applicable rate |
|---|---|---|
| $0–$25,000 | $0–$25,000 | 2.25% |
| Over $25,000–$50,000 | Over $25,000–$100,000 | 2.75% |
| Over $50,000–$150,000 | Over $100,000–$250,000 | 2.96% |
| Over $150,000 | Over $250,000 | 3.20% |
Source: Maryland Withholding Tax Facts, January–December 2026.
How the Maryland standard deduction and personal exemptions work
Maryland’s deductions differ substantially from federal deductions. Using the federal standard deduction to compute Maryland state income tax would produce an inaccurate result.
2026 standard deduction
Single or married separate
2026 basic Maryland standard-deduction amount used for the single and separate-filing estimates.
Married joint / head of household
2026 joint or head-of-household standard-deduction estimate based on the corresponding doubled state amount.
Maryland’s standard deduction increased in 2025 and is subject to inflation adjustments after that. The 2026 employer guide uses $3,400 as its standard-deduction reference; for individual filing, the filing-status amount remains important.
Maryland $3,200 personal-exemption phaseout
Maryland personal exemptions decline as federal adjusted gross income rises. The following chart gives the value of each regular eligible personal exemption.
| Federal adjusted gross income | Single / married separate | Joint / head of household |
|---|---|---|
| Up to $100,000 | $3,200 | $3,200 |
| Over $100,000–$125,000 | $1,600 | $3,200 |
| Over $125,000–$150,000 | $800 | $3,200 |
| Over $150,000–$175,000 | $0 | $1,600 |
| Over $175,000–$200,000 | $0 | $800 |
| Over $200,000 | $0 | $0 |
The calculator applies this phaseout to entered eligible basic exemptions using an estimated federal adjusted gross income derived from wages and qualifying deductions.
Maryland itemized deduction reduction for higher incomes
Maryland law limits allowable itemized deductions for certain higher-income taxpayers. Beginning in tax year 2025, the state reduces otherwise allowable itemized deductions by 7.5% of federal adjusted gross income above $200,000, or above $100,000 for married filing separately.
If you itemize federally, Maryland may permit you to elect the Maryland standard deduction instead. But if you claim the federal standard deduction, you cannot use Maryland itemized deductions.
The calculator reflects this choice and applies the Maryland high-income itemized reduction to a user-entered state itemized amount.
Federal tax, Social Security and Medicare in Maryland
Maryland workers are subject to federal payroll and income-tax rules in addition to state and county income tax.
2026 federal standard deductions
| Federal filing status | 2026 standard deduction |
|---|---|
| Single | $16,100 |
| Married filing jointly | $32,200 |
| Married filing separately | $16,100 |
| Head of household | $24,150 |
2026 federal marginal rates for single filers
| Tax rate | 2026 taxable income |
|---|---|
| 10% | $0–$12,400 |
| 12% | Over $12,400–$50,400 |
| 22% | Over $50,400–$105,700 |
| 24% | Over $105,700–$201,775 |
| 32% | Over $201,775–$256,225 |
| 35% | Over $256,225–$640,600 |
| 37% | Over $640,600 |
Social Security
Employee tax rate on covered wages up to the 2026 taxable wage base of $184,500.
Medicare
Regular employee rate with no equivalent annual wage cap.
Additional Medicare
Employers generally begin extra withholding once Medicare wages paid by that employer exceed $200,000 in a year.
The calculator uses an employer-style Additional Medicare withholding threshold. Your final Additional Medicare Tax liability may differ based on filing status and combined household income.
Maryland hourly paycheck calculator and overtime examples
Hourly workers can use the tool above to estimate regular wages, overtime and paid weeks. Maryland hourly pay can fluctuate because of changing shifts, seasonal work or overtime.
$20 per hour
At 40 paid hours per week for 52 weeks, annual gross wages are $41,600.
$25 per hour
At 40 paid hours per week for 52 weeks, annual gross wages are $52,000.
$30 per hour
At 40 paid hours per week for 52 weeks, annual gross wages are $62,400.
Example: $25 hourly pay with five overtime hours
For an employee eligible for overtime at 1.5 times regular pay, the overtime rate is $37.50 per hour. Five overtime hours add $187.50 to the normal $1,000 gross wages earned from 40 regular hours.
The resulting weekly gross is $1,187.50. Over 52 paid weeks, that produces $61,750 in annual gross wages before federal, Maryland and local taxes.
Is overtime income taxed differently in 2026?
Overtime compensation generally remains subject to payroll withholding and FICA. A federal deduction may apply to certain qualifying overtime premiums for eligible taxpayers, but it is not the same as making all overtime pay tax-free.
This calculator does not automatically claim the federal qualified-overtime deduction. Review the IRS instructions and the appropriate current tax form if you intend to claim that benefit.
How much of a salary increase will you actually keep in Maryland?
A raise increases gross income but can also increase state, county, federal and payroll tax. At certain incomes, Maryland’s personal-exemption phaseout also affects the result.
Try a raise amount
Keeps the county, filing status and annual benefit deductions from the main calculator.
Estimated extra take-home pay
$0Annual increase after estimated taxes
$0Increase per selected paycheck
How to check Maryland Form MW507 and federal Form W-4
Maryland employees use two separate withholding systems. Federal Form W-4 controls federal income-tax withholding, while Maryland Form MW507 helps determine Maryland state and local withholding.
Federal Form W-4
Used to provide your employer with federal withholding information, including filing status, multiple jobs, dependents and additional withholding.
Maryland Form MW507
Used to provide Maryland withholding exemptions and other applicable information to your employer.
Steps to review federal withholding
- Open the IRS Tax Withholding Estimator.
- Have your recent paystubs and any relevant spouse or additional-job information available.
- Complete the official income, filing-status and withholding questions.
- Review whether estimated withholding may result in a federal refund or balance due.
- Follow the official W-4 recommendation if a withholding adjustment is appropriate.
- Submit a new W-4 to your employer or make the change through its approved payroll portal.
Steps to check Maryland MW507 withholding
- Visit the 2026 Maryland withholding forms page.
- Find the Employee’s Maryland Withholding Exemption Certificate, Form MW507.
- Review your Maryland resident status, eligibility for withholding exemptions and personal/dependent exemption count.
- Consider whether expected income changes require reducing exemptions under Maryland’s phaseout rules.
- Review any permitted additional Maryland withholding instructions.
- Submit the completed form to your employer, not to TaxCalculatorUSA.org.
- Check your next available paystub for updated Maryland and local withholding.
Maryland taxes if you work in Washington, D.C., Virginia or Pennsylvania
Living in Maryland and working in a neighboring jurisdiction is common. Your state and local taxes may depend on whether you qualify for a reciprocal agreement or another special rule.
| Situation | Important tax issue | What to verify |
|---|---|---|
| Maryland resident working in D.C. | Maryland and D.C. residency-related withholding arrangements | Employer resident-state withholding and D.C. nonresident rules |
| Maryland resident working in Virginia | Possible reciprocal wage tax treatment | Virginia withholding exemption and Maryland resident liability |
| Maryland resident working in Pennsylvania | Reciprocal state wage rules and possible local earned-income taxes | State and local employer payroll procedures |
| Nonresident working in Maryland | Maryland nonresident tax and special 2.25% rate may apply | Nonresident rules and applicable reciprocal exemption |
| Maryland resident working in Delaware | Tax paid to another state and Maryland credit issues | Delaware nonresident tax and Maryland resident credit rules |
This calculator is intended for full-year Maryland residents with wages modeled as Maryland-taxable income. It does not automatically account for tax credits paid to another state, special nonresident taxes or reciprocal exemption certificates.
For those circumstances, use the 2026 Maryland Employer Withholding Guide and the official tax agencies involved.
Why your Maryland paycheck may differ from this calculator
| What you notice | Likely explanation | What to check |
|---|---|---|
| County tax seems wrong | Incorrect residence jurisdiction selected | Use the county where you live, including Baltimore City as separate from Baltimore County |
| Actual state withholding is higher | MW507 settings, employer tables or withholding adjustments | Compare payroll’s Maryland withholding setup and MW507 |
| Federal withholding is higher | W-4 multiple-job settings or additional withholding | Use IRS withholding estimator |
| Net pay is lower | Benefits, insurance, garnishment or other deduction missing | Compare paystub line by line |
| Exemption seems smaller above $100,000 | Maryland personal exemption phaseout | Review federal adjusted gross income and exemption schedule |
| Frederick result differs unexpectedly | Local taxable-income bracket determines rate | Verify the special Frederick county calculation |
| Bonus check has high withholding | Federal supplemental and Maryland withholding rules | Ask payroll how the bonus was processed |
| Two states appear in tax deductions | Multistate employment or reciprocal arrangement | Check residence, work location and official reciprocal forms |
What to look for on your paystub
- Regular earnings, overtime and bonus payments
- Federal income tax withholding
- Maryland state income tax withholding
- Maryland county or local tax withholding
- Social Security and Medicare withholding
- Retirement, HSA, health and other pre-tax contributions
- Post-tax benefits, wage garnishments and extra withholding
- Year-to-date wages and year-to-date withheld amounts
What the 2026 Maryland tax calculator includes and excludes
Included
- 2026 federal progressive income tax brackets
- Maryland state brackets from 2% through 6.5%
- All 24 Maryland local jurisdictions
- Anne Arundel progressive local calculation
- Frederick income-bracket local rate selection
- 2026 Maryland standard deductions
- Personal exemption phaseout by estimated federal AGI
- Optional itemized deductions and Maryland itemized phaseout
- Social Security and Medicare payroll taxes
- W-2 salary and hourly wages
- Overtime, bonuses and selected benefit deductions
Not automatically included
- Exact IRS Publication 15-T withholding tables
- Exact Maryland employer percentage-method withholding
- Nonresident special tax and interstate allocation
- Spouse income or other W-2 jobs not entered
- Maryland’s additional tax on qualifying capital gains
- Self-employment tax and Schedule C adjustments
- Refundable Maryland and federal tax credits
- Every income subtraction, addition or specialized exemption
- Qualified tip and overtime deductions
- Taxable fringe-benefit details
- Employer-specific retirement and benefit-plan limits
Official Maryland and IRS tax resources for 2026
These sources provide the primary rules behind the calculator and instructions for verifying your individual tax and payroll situation.
- Maryland state brackets: Maryland Withholding Tax Facts 2026. Includes 2026 state rates and county income tax rates.
- Maryland employer withholding: 2026 Maryland Employer Withholding Guide. Explains employer withholding calculations.
- Maryland tax-law changes: Maryland Tax Alert — Deductions and Tax Rates. Covers bracket changes and itemized deduction limitations.
- County rates: Maryland Department of Legislative Services — 2026 County Local Tax Rates.
- Maryland withholding certificate: Maryland 2026 Employee Withholding Forms. Includes MW507.
- Maryland personal exemptions: Maryland Individual Income Tax Filing Information. Includes the exemption phaseout chart.
- Official Maryland tax estimator: Comptroller of Maryland — Estimated Tax Calculator.
- 2026 federal brackets: IRS 2026 Tax Inflation Adjustments.
- Federal withholding: IRS Tax Withholding Estimator and Publication 15-T.
- Social Security wage limit: Social Security Administration — Contribution and Benefit Base.
The calculator is independently provided by TaxCalculatorUSA.org. Linking to government resources does not imply endorsement or official status.
Maryland Tax Calculator 2026 FAQs
1. What is the Maryland state income tax rate for 2026?
Maryland has progressive state income tax rates ranging from 2% to 6.5% in 2026. The applicable rate depends on Maryland taxable income and filing status. County or Baltimore City income tax is charged separately.
2. How much is $75,000 a year after taxes in Maryland?
Under a simplified 2026 single-filer W-2 example for a Baltimore City resident, using basic federal and Maryland standard deductions, one personal exemption, no credits and no benefits, $75,000 produces approximately $56,207.20 in annual net pay or $2,161.82 biweekly. Other counties and individual circumstances change the result.
3. Does Maryland have county income tax in addition to state income tax?
Yes. All 23 Maryland counties and Baltimore City impose local income tax. The applicable 2026 local rates range from 2.25% to 3.30%, including special graduated systems in Anne Arundel and Frederick counties.
4. Is Maryland county income tax based on where I live or work?
For Maryland residents, the local income tax generally depends on the county or Baltimore City where you live, not where your employer is located. Nonresident and multistate tax circumstances may have different rules.
5. What is the Maryland standard deduction for 2026?
The 2026 Maryland standard deduction used here is $3,400 for single or married-separate filers and $6,800 for married-joint and head-of-household filers. These amounts differ from the federal standard deduction.
6. How does Maryland’s $3,200 personal exemption work?
Maryland generally provides a $3,200 exemption for each eligible person at lower adjusted income levels. The exemption value decreases as federal adjusted gross income rises and can reach zero. The income thresholds differ by filing group.
7. Are Maryland taxes higher in Montgomery County than Worcester County?
Montgomery County uses a 3.20% local income tax rate in 2026, while Worcester County uses 2.25%. With the same Maryland taxable income and other assumptions, Montgomery County’s local income tax would generally be higher.
8. What is Maryland Form MW507?
MW507 is the Employee’s Maryland Withholding Exemption Certificate. Employees use it to provide eligible Maryland withholding exemption information to their employers. Federal Form W-4 is a separate federal withholding form.
9. Are Social Security and Medicare deducted from Maryland paychecks?
Most covered W-2 employees pay Social Security tax of 6.2% on covered wages up to the 2026 wage base of $184,500 and regular Medicare tax of 1.45%. Additional Medicare withholding may apply above the employer wage threshold.
10. Why is my actual Maryland take-home pay different from the calculator?
Employer withholding methods, W-4 and MW507 elections, county residence, other income, exemption phaseouts, retirement contributions, health insurance, bonuses, local payroll calculations and other adjustments can cause actual pay to differ from a simplified annualized estimate.