2026 Maryland Paycheck Calculator
Updated 2026 · IRS Pub 15-T · SSA · Maryland DOR · Private browser calculation
On a $100,000 salary in Maryland, a single filer keeps about $74,749 take-home per year (25.3% effective tax rate) after federal, Maryland state, and FICA withholding in 2026.
2026 data verified · Last checked June 11, 2026
In Maryland, a single filer earning $75,000 per year takes home approximately $58,349 after taxes (2026). Federal tax: $7,670 | Maryland state tax: $3,244 | FICA: $5,738.
22.2% effective tax rate
Maryland uses a progressive state income tax system. Higher income levels are subject to higher marginal rates, so your effective Maryland state withholding rate depends on your total annual income and filing status. Federal income tax and FICA are calculated separately and also reduce your take-home pay each pay period.
See how all 51 states rank for take-home pay in our Best States for Take-Home Pay 2026 research study.
Most W-2 paychecks in Maryland include several standard withholding categories. Your employer uses IRS Publication 15-T tables for federal income tax, then applies payroll taxes and any state or local taxes required for your work location.
Your annual salary is the same whether you are paid weekly, biweekly, semi-monthly, or monthly, but each paycheck amount differs because the number of pay periods changes. Weekly pay divides your annual gross into 52 checks; biweekly into 26; semi-monthly into 24; and monthly into 12. Withholding tables account for pay frequency, so per-check federal and state amounts may not be a simple annual total divided evenly. Comparing offers or budgeting often requires looking at both per-paycheck net and annual take-home together.
Filing status — Single, Married Filing Jointly, or Head of Household — changes the withholding brackets your employer uses for federal income tax and, in most states with income tax, for state withholding as well. Two employees earning the same salary in Maryland can have different net pay if their filing status or W-4 entries differ. Updating your W-4 after a marriage, divorce, or dependent change is the most common way to align withholding with your expected tax situation.
See take-home pay for common jobs in Maryland after federal and state taxes:
Maryland uses a progressive state income tax structure, so withholding rises as taxable wages move into higher state brackets.
Your effective state tax rate is usually lower than the top marginal rate because only part of your wages is taxed at each higher bracket.
Maryland also has local payroll tax exposure in places such as Baltimore, so some workers will see an additional city or municipal withholding line on top of state tax.
Use the calculator above to adjust salary, filing status, pay frequency, and deductions for a more specific Maryland paycheck estimate.
On the engine-backed $100,000 example used elsewhere on this page, Maryland produces an estimated annual take-home pay of $74,749 with an effective total tax rate of 25.3%.
Maryland is one of the clearest examples of why a state-only paycheck summary can miss real withholding pressure, because most residents also pay county or Baltimore City income tax.
That local layer means a Maryland paycheck is usually more informative when it is compared with Virginia or Pennsylvania than when it is described in isolation.
Use this page with the Maryland bonus tax calculator when a supplemental paycheck uses flat withholding, or read how overtime is taxed in 2026 if extra hours push a pay period into a higher bracket.
For relocation math, Maryland vs Virginia shows the same salary side by side. · State Income Tax Rankings 2026 · W-4 withholding optimization · 401(k) paycheck impact.
For search intent, the useful question is not just whether Maryland has graduated state tax rates. It is whether county withholding pushes the take-home result far enough away from nearby alternatives to matter for a job offer or relocation decision.
A deeper Maryland section therefore earns its place by clarifying that residence county can change net pay materially even when two workers earn the same gross salary in the same region.
Compare Maryland directly with no-tax or nearby alternatives:
Net pay is the amount you actually receive after payroll deductions. It starts with gross pay, then subtracts federal income tax, Social Security, Medicare, state or local tax, and any voluntary deductions.
Take-home pay equals gross pay minus taxes and deductions. A paycheck calculator applies federal withholding, FICA, state income tax, local taxes where applicable, and pre-tax or post-tax deductions in the correct order.
Gross pay is earnings before deductions. Net pay is what remains after payroll taxes, benefits, retirement contributions, insurance premiums, garnishments, and other paycheck deductions.
Pre-tax deductions can reduce taxable wages before income tax is calculated. A 401(k), HSA, or FSA may lower federal and state taxable income, but some deductions do not reduce Social Security or Medicare wages.
Post-tax deductions are taken after payroll taxes are calculated. Examples may include Roth 401(k) contributions, certain insurance payments, wage garnishments, or after-tax benefits.
Maryland has a graduated state income tax with rates ranging from 2% to 5.75% for 2026. The top rate of 5.75% applies to income above $250,000 for single filers and $300,000 for married filers.
Yes. Maryland counties and Baltimore City impose a local piggyback income tax, typically ranging from 2.25% to 3.2% depending on where you live. This is withheld from your paycheck in addition to state income tax.
Maryland's standard deduction is between 15% and 25% of Maryland adjusted gross income, with a minimum of $1,700 and maximum of $2,550 for single filers, and a minimum of $3,400 and maximum of $5,100 for joint filers.
Maryland does not publish a standalone supplemental flat rate. Employers withhold Maryland income tax on bonuses and supplemental wages using the standard withholding method based on the employee's W-4.
Maryland does not have a statewide SDI deduction. Maryland's Time to Care Act established a paid family and medical leave program; employee contributions are expected to begin in 2026. Confirm current rates at dllr.state.md.us.
Filing status affects both state and local Maryland withholding. Married filers use different brackets and standard deduction limits. Additionally, local tax rates vary by county, so where you live also changes your net pay.
Gross pay is your total earnings before deductions. Net pay is what remains after federal income tax, FICA, Maryland state income tax, Maryland county/city local income tax, and any voluntary benefits deductions.
Update your federal W-4 and Maryland Form MW507 when you move to a different county, change filing status, add dependents, or your withholding results in a consistent over- or under-payment at tax time.
Assumptions: Single filer · Standard deduction · Biweekly pay · No pre-tax deductions · Estimates paycheck withholding, not final tax liability · Source: state DOR + IRS Pub 15-T, 2026
Tax rates verified for 2026 tax year.
ExactTakeHome starts with gross pay, applies your pay frequency, subtracts eligible pre-tax deductions (401k, HSA, FSA) from federal taxable wages, calculates federal income tax withholding using IRS Publication 15-T percentage method tables, applies Social Security (6.2% up to $184,500 wage base) and Medicare (1.45%) taxes on gross wages, then applies Maryland state income tax using the 2026 withholding tables from the Maryland Comptroller. Local tax is applied where available (NYC, Philadelphia, Columbus OH). Final take-home is an estimate of paycheck withholding, not your final tax return liability.
Calculate your Maryland take-home pay after federal withholding, FICA, state taxes, local taxes, and pre-tax deductions.
Pre-tax deductions like 401(k), HSA, and health insurance premiums reduce your taxable wages before federal income tax is calculated. This means you pay less tax on every paycheck — not just defer the money.
Why take-home increases: A 6% 401(k) contribution on $75,000 reduces taxable wages by $4,500, cutting both federal income tax and Maryland state income tax on that amount. Social Security and Medicare still apply to the original gross wages.
Pay frequency changes your paycheck size, not your annual salary. Withholding tables annualise each paycheck, so weekly and monthly results may differ slightly from biweekly.
Based on $75,000 annual salary, single filing status, no pre-tax deductions, Maryland withholding. Use the calculator above for your exact filing status and deductions.
Maryland's local county tax and reciprocity agreements with nearby jurisdictions are the features workers most often miss. Commuters in the DC, Virginia, West Virginia, and Pennsylvania region should pay careful attention to residency.
Maryland counties and Baltimore City impose local income tax, so payroll can withhold a local amount along with state income tax.
Maryland has reciprocity arrangements with some nearby jurisdictions. Commuters should confirm their exact state of residence and work location with payroll.
Quick answer: $100,000 after taxes in Maryland (2026)
Estimated take-home pay: $74,749/year ($6,229/month · $2,875/biweekly). Effective tax rate: 25.3%.
Maryland paychecks start with federal income tax withholding, which employers calculate from the employee's Form W-4, pay frequency, wages, and IRS wage-bracket or percentage-method tables.
Employees also pay FICA: Social Security is 6.2% of wages up to the 2026 wage base of $184,500, Medicare is 1.45% of all covered wages, and employers must withhold an extra 0.9% Additional Medicare Tax once an employee's Medicare wages exceed $200,000 in a calendar year.
Maryland adds a graduated state income tax; for 2026, Maryland's state rates run from 2.00% to 6.50%.
Most Maryland-resident workers also have local county income tax withheld based on county of residence using Form MW507. The 2026 local rates range from 2.25% to 3.30%, with some counties using tiered local rates. Both state and county withholding are administered by the Maryland Comptroller.
Estimates assume standard 2026 withholding, single filing status, and no pre-tax deductions; actual paycheck may differ.
| Tax | 2026 Rate | Wage Cap | Source |
|---|---|---|---|
| Federal Income Tax | 10%–37% (percentage-method withholding) | No wage cap | IRS Pub. 15-T |
| Social Security | 6.2% employee withholding | $184,500 | SSA 2026 |
| Medicare | 1.45% employee withholding | No wage cap | IRS Pub. 15 |
| Additional Medicare Surtax | 0.9% on wages over $200,000 | No wage cap | IRS Topic 560 |
| Maryland State Income Tax | 2.00%–6.50% graduated | No wage cap | MD Comptroller 2026 |
| Maryland County Income Tax | 2.25%–3.30% depending on county | No wage cap | MD Comptroller 2026 |
Local taxes in some cities change your take-home pay beyond the state rate.
Some cities and counties in Maryland set wage floors above the statewide rate. Use these verified local pages when you need the current ordinance rate before moving into a paycheck estimate.
Compare two salary offers in different states
Compare Maryland take-home with other states:
The Maryland paycheck calculator computes your exact take-home pay for 2026.
For a $75,000 salary, a single filer in Maryland takes home $58,349 per year ($2,244 per biweekly paycheck) after federal and state taxes.
Example Calculation — $75,000 Salary
$75,000 salary in Maryland
$58,349/year
$2,244 per biweekly paycheck
22.2% effective tax rate| Federal income tax | -$7,670 |
| Social Security (6.2%) | -$4,650 |
| Medicare (1.45%) | -$1,088 |
| Maryland state tax | -$3,244 |
Assumptions: Single filer · Biweekly · No 401(k) · Standard W-4 · Customize below ↓
Maryland taxes wages on a graduated scale, with 2026 rates ranging from 2% to 5.75%. For a single filer earning $100,000, the effective Maryland state income tax rate is approximately 4.43%, and the annual take-home pay is approximately $74,749 after all taxes.
Use the calculator above to enter your exact salary, filing status, and pre-tax deductions for a precise Maryland take-home pay estimate.
Maryland uses a progressive state income tax system, and counties can add a local income tax component. For workers, Maryland withholding often includes both state and local considerations.
ExactTakeHome tax data is sourced from official government publications and verified against primary sources. Last verified: .