How Maryland paychecks work (2026)
In Maryland, your take-home pay is your salary minus federal income tax, FICA (Social Security 6.2% + Medicare 1.45%) and Maryland state income tax. This calculator uses the official 2026 rates for a single filer.
Maryland state income tax
Maryland's state income tax runs from 2% to 5.75%, after a $3,350 standard deduction and a $3,200 personal exemption (single). On top of the state tax, every county adds a local income tax.
Example: $80,000 in Maryland
State tax alone is about $3,436; with federal $8,770 and FICA $6,120 that's a take-home of roughly $61,674 a year — before county tax, which would add about $1,800–$2,500.
Maryland take-home pay by salary (2026)
Estimated annual take-home for a single filer after federal income tax, Social Security and Medicare and Maryland state income tax, using the 2026 rates. Figures are tax liability, not withholding.
| Gross salary | Take-home / year | Per month | % kept |
|---|---|---|---|
| $40,000 | $32,784 | $2,732 | 82.0% |
| $60,000 | $47,904 | $3,992 | 79.8% |
| $80,000 | $61,674 | $5,139 | 77.1% |
| $100,000 | $74,794 | $6,233 | 74.8% |
| $150,000 | $106,875 | $8,906 | 71.2% |
What often catches people out in Maryland
- Every Maryland county (and Baltimore City) adds a local income tax of ~2.25%–3.2% on top of the state rate — a big deduction this state-only calculator doesn't show.
- At an $80k salary that county piece alone can add $1,800–$2,500 a year.
- Both a standard deduction and a personal exemption apply at the state level.
What this calculator does not include
- Local/city taxes (county income tax (~2.25%–3.2%)), 401(k) and pre-tax deductions, and filing statuses other than single.
- It shows tax liability, which can differ from paycheck withholding (employers often over-withhold).
Does Maryland tax my income?
Yes — Maryland charges 2% to 5.75% at the state level, plus a county local income tax on top.
What's FICA?
Social Security (6.2%) and Medicare (1.45%) payroll taxes, deducted in every state including Maryland.
More United States calculators
This calculator provides estimates for a single filer in Maryland for 2026 based on IRS and state figures and is for general information only — it is not financial or tax advice. It excludes local taxes, 401(k) and other deductions, and shows tax liability rather than withholding. Sources: IRS (Rev. Proc. 2025-32), Maryland Department of Revenue.