2026 tax year · take-home pay
Maryland Paycheck Calculator (2026)
Maryland is one of the few states where local income taxes are universal. Every county and Baltimore City adds its own income tax on top of the state rate, ranging from roughly 2.25% to 3.20% of taxable income. Combined with Maryland's progressive state rate of 2%–6.50% and a flat standard deduction ($3,400 in the 2026 withholding formula), your total state-plus-local income tax rate can approach 10% for higher earners.
Your paycheck breakdown
Estimated take-home pay
$1,607.91
per paycheck · $41,805.66/yr · 19.6% withheld
- Gross pay
- $2,000.00
- − Federal income tax
- $156.15
- − Social Security
- $124.00
- − Medicare
- $29.00
- − MD state income tax
- $82.94
- Net take-home
- $1,607.91
Estimate for tax year 2026. Withholding depends on your W-4 and employer; your actual paycheck may differ. Not tax advice.
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How Maryland withholding works
Maryland state income tax: 2% to 6.50%
Maryland's progressive schedule runs from 2% on the bottom tranche up to 6.50% on the highest incomes, after a flat standard deduction ($3,400 in the 2026 withholding formula). The brackets are relatively narrow, meaning many middle-income earners climb into higher bands. Only income inside each bracket pays that bracket's rate.
Maryland county income taxes, withheld by your employer
Every Maryland county and Baltimore City levies a local income tax ranging from 2.25% to 3.20%. This is withheld alongside state income tax by your employer based on your county of residence. A Montgomery County resident, for example, pays a combined state-plus-county rate that can exceed 9% on higher income. The county tax is applied to the same taxable income base as the state tax.
Rates & brackets
Maryland's 2026 income tax rates
Maryland taxes income in graduated brackets. Only the income inside each band is taxed at that band's rate. Here is the 2026 schedule for a single filer and for married filing jointly:
| Single: taxable income | Rate | Married filing jointly: taxable income |
|---|---|---|
| $0 – $100,000 | 4.75% | $0 – $150,000 |
| $100,000 – $125,000 | 5% | $150,000 – $175,000 |
| $125,000 – $150,000 | 5.25% | $175,000 – $225,000 |
| $150,000 – $250,000 | 5.5% | $225,000 – $300,000 |
| $250,000 – $500,000 | 5.75% | $300,000 – $600,000 |
| $500,000 – $1,000,000 | 6.25% | $600,000 – $1,200,000 |
| $1,000,000 and up | 6.5% | $1,200,000 and up |
Standard deduction applied: $3,400 (single), $3,400 (married filing jointly). Brackets apply to income after this deduction.
How the calculator withholds: Maryland's 2026 withholding guide starts state withholding at 4.75% (the 2%, 3% and 4% return bands are skipped), after a $3,400 standard deduction and $3,200 per exemption (one if single or head of household, two if married), with the exemption reduced above $100,000 of income ($150,000 joint). Heads of household use the joint table. County tax is extra and not included.
Local income tax not included: Every Maryland county and Baltimore City levies a local income tax (roughly 2.25%–3.2%) on top of the state tax. This calculator shows the state tax only.
Source: Comptroller of Maryland, 2026 Maryland Employer Withholding Guide (revised December 2025), checked against the state's withholding formula . See our methodology for full sources.
Worked examples
Estimated take-home at common salaries in Maryland
Rough figures for a single filer over a full tax year, with no pre-tax deductions, a starting point before you run your own numbers above.
| Gross | Federal income tax | FICA | MD state tax | Take-home |
|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $1,587 | $32,734 |
| $60,000 | $5,020 | $4,590 | $2,537 | $47,854 |
| $85,000 | $9,870 | $6,503 | $3,724 | $64,904 |
| $120,000 | $17,570 | $9,180 | $5,500 | $87,750 |
Estimates for the 2026 tax year, single filer, computed from published federal and Maryland tax tables. Rounded to the nearest dollar. Your actual pay depends on your W-4, pre-tax deductions, and employer payroll. Not tax advice.
Common questions
Maryland Paycheck Calculator: common questions
- What is Maryland's income tax rate for 2026?
- Maryland's state rate is progressive from 2% to 6.50%, after a flat standard deduction ($3,400 in the 2026 withholding formula). Every county and Baltimore City also adds a local income tax of 2.25%–3.20%, making the combined rate significantly higher.
- How does Maryland county income tax work?
- Your employer withholds the local income tax based on your county of residence. The rate ranges from 2.25% to 3.20% depending on the county. Baltimore City residents pay 3.20%.
- What does Maryland withhold from my paycheck?
- Beyond federal income tax and FICA (6.2% Social Security, 1.45% Medicare), your employer withholds Maryland state income tax (2%–6.50%) and your county's local income tax (2.25%–3.20%).
Other state calculators
Estimates for tax year 2026, based on published federal and state tax tables. Not tax advice. Page last updated .