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Maryland
Maryland paycheck calculator
Maryland’s state brackets are only half the income tax. Every county, and Baltimore City, adds a local rate on Maryland taxable net income. The state piece runs from 2% up through new high-income brackets of 6.25% and 6.5%. The local piece for Montgomery County and Baltimore City is 3.20% in the Comptroller’s 2026 withholding facts. On a typical salary the county line can rival the state line. Leaving it off is how other calculators flatter a Maryland offer.
The personal exemption is $3,200 and phases out as income climbs. This estimate fades it in a straight line between $100,000 and $150,000 for a single filer, and between $150,000 and $200,000 for a joint return. The standard deduction is small, $3,350 single and $6,700 joint. A traditional 401(k) reduces the shared base, so both the state and the county fall together. FICA does not.
Other counties are a custom percent. The Comptroller publishes the full list, including places at 2.25% and at least one at 3.30%. Nonresidents are a simplification here: the switch uses 2.25%, which is a withholding convention, not a promise about your county. Reciprocity with D.C., Virginia, West Virginia, and Pennsylvania is noted when you mark a work state. It is not a second return.
Example take-home
| Salary | Federal | FICA | State | Payroll | Local | Net / year | Net / check |
|---|---|---|---|---|---|---|---|
| $40,000.00 | $2,620.00 | $3,060.00 | $1,536.38 | $0.00 | $0.00 | $32,783.62 | $1,260.91 |
| $60,000.00 | $5,020.00 | $4,590.00 | $2,486.38 | $0.00 | $0.00 | $47,903.62 | $1,842.44 |
| $80,000.00 | $8,770.00 | $6,120.00 | $3,436.38 | $0.00 | $0.00 | $61,673.62 | $2,372.05 |
| $100,000.00 | $13,170.00 | $7,650.00 | $4,386.38 | $0.00 | $0.00 | $74,793.62 | $2,876.67 |
| $150,000.00 | $24,734.00 | $11,475.00 | $7,084.13 | $0.00 | $0.00 | $106,706.87 | $4,104.11 |
Loading the 2026 calculator…
What this page includes
- Federal income tax using the 2026 standard deduction and Rev. Proc. 2025-32 brackets
- Social Security (6.2% up to $184,500) and Medicare (1.45%, plus Additional Medicare when wages clear the filing-status threshold)
- Maryland: graduated state income tax (top 6.5%)
- No employee state disability / paid-leave premium modeled for this state yet
- Local wage tax only if you select a city/county or enter a custom percent
Local tax
Every Maryland county and Baltimore City adds a local rate on Maryland taxable income. Montgomery County and Baltimore City are named at 3.20%. Other counties belong in the custom percent field.
What is not included
Credits, itemized deductions, multi-state credits, property tax, sales tax, and unsourced local rates are not included. Employer payroll tables can differ from this annualized estimate. Maryland counties other than the named ones must be entered as a custom percent.
Questions
Do I have to pick a Maryland county?
If you want a realistic net, yes. The state tax alone understates a Maryland paycheck. Montgomery County and Baltimore City are named at 3.20%. Use a custom percent for other counties.
Is the local tax a percent of the state tax?
No. It is a percent of Maryland taxable income, the same base the state brackets use.
Does a 401(k) reduce the county tax?
Yes in this model. The deferral lowers taxable income, and both the state and the county are computed on that income.
Nearby
Compare · Bonus · Hourly · Montgomery County, Maryland · Baltimore City · All states · Local taxes
Sources
- IRS newsroom, tax year 2026 inflation adjustments (Rev. Proc. 2025-32)
- Rev. Proc. 2025-32 (PDF)
- Tax Foundation, 2026 federal income tax brackets
- IRS Publication 15-T, Federal Income Tax Withholding Methods
- SSA, Contribution and benefit base
- IRS Publication 15 (Circular E), Employer's Tax Guide
- IRS, Questions and answers for the Additional Medicare Tax
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026
- IRS, state government websites index
See a rate that looks wrong? The sources and the gaps are public.
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