Maryland Paycheck Calculator 2026
Maryland paycheck tax overview
Maryland has 8 state income tax brackets PLUS a mandatory county/local income tax of 2.25%–3.2% depending on county. Most Maryland workers effectively pay 7%–9% combined state+local on their wages — one of the highest combined income tax burdens in the Mid-Atlantic.
Maryland income tax brackets (2026)
| Taxable Income (Single Filer) | State Tax 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 – and above | 5.75% |
Note: Bracket thresholds shown above are for single filers before any state standard deductions or personal exemptions. Actual withholding may differ. Figures are 2026 estimates.
2026 take-home pay table — Maryland
Estimated annual net pay for a single filer using the 2026 federal standard deduction ($15,000). State tax uses the brackets above applied to gross pay. Social Security: 6.2% (up to $176,100). Medicare: 1.45%. All figures are estimates — use our paycheck calculator for a personalised result including pre-tax deductions.
| Gross Salary | Federal Tax | FICA | MD State Tax | Est. Net Pay | Monthly | Bi-Weekly |
|---|---|---|---|---|---|---|
| $50,000 | $3,962 | $3,825 | $2,323 | $39,890 | $3,324 | $1,534 |
| $60,000 | $5,162 | $4,590 | $2,798 | $47,450 | $3,954 | $1,825 |
| $75,000 | $8,114 | $5,738 | $3,510 | $57,638 | $4,803 | $2,217 |
| $100,000 | $13,614 | $7,650 | $4,698 | $74,038 | $6,170 | $2,848 |
| $125,000 | $19,247 | $9,563 | $5,948 | $90,242 | $7,520 | $3,471 |
| $150,000 | $25,247 | $11,475 | $7,260 | $106,018 | $8,835 | $4,078 |
How to increase your Maryland take-home pay
Given Maryland's high combined state+local rate, pre-tax contributions are especially valuable. A Maryland worker in Montgomery County (3.2% local) who contributes to a 401(k) saves federal + 4.75% state + 3.2% county — nearly 30 cents per dollar in tax savings at the 22% federal bracket.
- 401(k) / 403(b): Up to $23,500 pre-tax in 2026 ($31,000 ages 50–59 or 64+). Reduces both federal and most state taxable wages simultaneously.
- HSA: Up to $4,300 (self-only) or $8,550 (family) if on a qualifying HDHP. Triple tax advantage: pre-tax in, tax-free growth, tax-free medical withdrawals.
- FSA: Up to $3,300 healthcare or $5,000 dependent-care FSA. Use-it-or-lose-it, but effective at reducing immediate tax burden.
- Update your W-4: If you have significant deductions (mortgage interest, large charitable contributions), claim them on Step 4(b) of your W-4 to reduce withholding and get the benefit each pay period rather than waiting for a refund.
Frequently asked questions — Maryland
How much state income tax is withheld in Maryland?
Maryland withholds income tax at 2%–5.75% state + local income tax. The exact amount depends on your gross pay, pay frequency, filing status, and withholding allowances claimed on your state withholding form.
What is the take-home pay on a $75,000 salary in Maryland?
For a single filer earning $75,000 in Maryland in 2026, estimated annual take-home pay is approximately $57,638 — that's $4,803/month or $2,217 bi-weekly. This assumes the $15,000 federal standard deduction, no pre-tax deductions, and standard FICA withholding.
Does Maryland have local income taxes in addition to state tax?
Yes — Maryland requires a mandatory county income tax ranging from 2.25% to 3.2% in addition to state tax.