Maryland
Maryland paycheck calculator 2026
Maryland uses 10 brackets from 2.00% to 6.50%, after a $3,350 standard deduction ($6,700 married) and a $3,200 personal exemption. Enter your salary or hourly rate to see your Maryland take-home pay per paycheck after federal tax, FICA and state tax. People look for this as a Maryland income tax calculator and as a Maryland paycheck calculator. It answers the same question either way.
Take-home pay per paycheck (26/yr)
$1,768.60
$45,984 a year from $60,000 gross, in Maryland. Includes an estimated 3.2% local income tax; change it under Deductions & local tax.
Take-home pay $1,768.60 per paycheck (26/yr), $45,984 a year, in Maryland.
- Take-home pay 77%
- Federal income tax 8%
- Social Security (6.2%) 6%
- Medicare (1.45%) 1%
- Maryland income tax 4%
- Local income tax 3%
Which federal brackets your income fills
2026, singleOnly the part of your income inside each band is taxed at that band's rate. Your taxable income of $43,900 fills the bands below; the darker one is where your last dollar lands, which is your 12% marginal rate.
Breakdown
Maryland, 2026| Item | Per paycheck | Per Year | % of gross |
|---|---|---|---|
| Gross pay | $2,307.69 | $60,000 | 100.0% |
| − Federal income tax8.4% | $193.08 | $5,020 | 8.4% |
| − Social Security (6.2%)6.2% | $143.08 | $3,720 | 6.2% |
| − Medicare (1.45%)1.5% | $33.46 | $870 | 1.5% |
| − Maryland income tax4.1% | $95.63 | $2,486 | 4.1% |
| − Local income tax3.2% | $73.85 | $1,920 | 3.2% |
| Take-home pay | $1,768.60 | $45,984 | 76.6% |
Your tax rates
- Effective rate 23.4%
- The share of your whole $60,000 that goes to tax. This is the one to quote when comparing offers.
- Marginal rate 12% federal, 4.75% Maryland
- What the next dollar you earn is taxed at. Always higher than the effective rate, and it is why a raise never leaves you worse off.
Estimate of annual tax liability spread evenly across pay periods, using 2026 federal rates, the standard deduction and Maryland published rates. Actual withholding depends on your W-4 and is squared up on your return.
Maryland take-home pay by salary, 2026
| Gross | Federal | FICA | Maryland | Net (single) | Net (married) |
|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $2,021 | $24,264 (19.1%) | $25,995 |
| $35,000 | $2,020 | $2,678 | $2,419 | $27,884 (20.3%) | $29,935 |
| $60,000 | $5,020 | $4,590 | $4,406 | $45,984 (23.4%) | $48,475 |
| $85,000 | $9,870 | $6,503 | $6,394 | $62,234 (26.8%) | $66,575 |
| $90,000 | $10,970 | $6,885 | $6,791 | $65,354 (27.4%) | $70,195 |
| $200,000 | $36,734 | $14,339 | $16,050 | $132,877 (33.6%) | $143,974 |
Federal figures are 2026; Maryland figures are its latest published schedule, 2025. Single filer, standard deduction, no pre-tax deductions, 3.2% local tax. Married = filing jointly, one earner.
Maryland income tax brackets
2025 schedule| Taxable income (single) | Married filing jointly | Rate |
|---|---|---|
| $0 – $1,000 | $0 – $1,000 | 2.00% |
| $1,000 – $2,000 | $1,000 – $2,000 | 3.00% |
| $2,000 – $3,000 | $2,000 – $3,000 | 4.00% |
| $3,000 – $100,000 | $3,000 – $150,000 | 4.75% |
| $100,000 – $125,000 | $150,000 – $175,000 | 5.00% |
| $125,000 – $150,000 | $175,000 – $225,000 | 5.25% |
| $150,000 – $250,000 | $225,000 – $300,000 | 5.50% |
| $250,000 – $500,000 | $300,000 – $600,000 | 5.75% |
| $500,000 – $1,000,000 | $600,000 – $1,200,000 | 6.25% |
| Over $1,000,000 | Over $1,200,000 | 6.50% |
2025 figures from the Comptroller's Budget Reconciliation and Financing Act alert: the standard deduction rose to $3,350 and $6,700 with the income phase-in removed, and two brackets were added above $500,000. Maryland's personal exemption steps down above $100,000 of income and its itemised deduction phase-out are not modelled, so figures well above $100,000 are slightly low.
Crossing the border from Maryland
The same $60,000 salary, single filer, in Maryland and in each state it borders. A move across one of these lines is the comparison most people are actually making.
| State | State tax | Take-home | Against Maryland |
|---|---|---|---|
| Maryland | $2,486 | $45,984 | this page |
| Pennsylvania | $1,842 | $48,548 | +$2,564 |
| West Virginia | $1,965 | $48,425 | +$2,442 |
| District of Columbia | $2,476 | $47,914 | +$1,930 |
| Virginia | $2,636 | $47,754 | +$1,770 |
| Delaware | $2,763 | $47,627 | +$1,643 |
Of the 5 states bordering Maryland, Pennsylvania leaves the most: $2,564 a year more on $60,000. Housing and commuting costs routinely outweigh a gap that size, so treat it as one term in the decision rather than the decision.
Local income tax in Maryland
Every Maryland county plus Baltimore City adds 2.25% to 3.30% local income tax. The calculator defaults to 3.2%; change it to your county's rate.
Frequently asked questions
How much tax is taken out of a paycheck in Maryland?
On a $60,000 salary in 2026, a single filer in Maryland pays about $5,020 federal income tax, $4,590 in Social Security and Medicare, and $2,486 Maryland income tax, plus $1,920 local tax. Total: $14,016, an effective rate of 23.4%. Take-home is $45,984 a year or $1,769 every two weeks.
Does Maryland have state income tax?
Maryland uses 10 brackets from 2.00% to 6.50%, after a $3,350 standard deduction ($6,700 married) and a $3,200 personal exemption. 2025 figures from the Comptroller's Budget Reconciliation and Financing Act alert: the standard deduction rose to $3,350 and $6,700 with the income phase-in removed, and two brackets were added above $500,000. Maryland's personal exemption steps down above $100,000 of income and its itemised deduction phase-out are not modelled, so figures well above $100,000 are slightly low.
What is the Maryland take-home pay on $100,000?
About $71,594 a year for a single filer in Maryland ($5,966 a month), or $77,435 for a Maryland married couple filing jointly with one earner. That is after $13,170 federal tax, $7,650 FICA and $4,386 Maryland tax.
Are there local income taxes in Maryland?
Every Maryland county plus Baltimore City adds 2.25% to 3.30% local income tax. The calculator defaults to 3.2%; change it to your county's rate.
Why does my real Maryland paycheck differ from this?
This spreads your annual Maryland liability evenly across the year. Your Maryland employer withholds from each check using your W-4 and IRS Publication 15-T, and the difference is settled on your tax return. Pre-tax benefits, bonuses and overtime also move individual checks.
How much does one child change the tax on $67,777?
The child tax credit is worth $2,200 per qualifying child under 17 and comes off the tax itself, not the income. On $67,777 it takes federal tax from $6,081 to $3,881 and lifts take-home to $58,711.
How much would a 401(k) change take-home on $67,777?
Deferring 10% — $6,778 — cuts federal tax from $6,081 to $5,140, but take-home falls from $56,511 to $50,674, because you moved your own pay into a retirement account. It reduces income tax, not Social Security or Medicare.
If you live in Maryland but work elsewhere
Maryland has reciprocity agreements with District of Columbia, Pennsylvania, Virginia, West Virginia. Work in one of those and only Maryland taxes you, provided you file a non-residency certificate with your employer. Work anywhere else that taxes income and you file a non-resident return there as well as a resident return here, claiming a credit so the same income is not taxed twice. How cross-state income tax works.
How to use this calculator
- Step 1
Add your pre-tax deductions
A traditional 401(k) cuts income tax but not FICA; health premiums cut both. The order they are applied in.
- Step 2
Check your filing status
Filing as head of household rather than single is worth $1,231 a year in Maryland on $60,000, and married filing jointly $2,491. Both are free if you already qualify.
- Step 3
Know what is not in this figure
City and county tax is entered separately here and is real money in Maryland. State figures are 2025 while federal are 2026, because the IRS publishes a year ahead of the states.
Near Maryland, and what to read next
- How much tax is taken out of a paycheck in Maryland?Every line on five salaries, and where Maryland ranks.
- Louisiana paycheck calculatorTake-home on $60,000: $48,965.
- Maine paycheck calculatorTake-home on $60,000: $48,005.
- Massachusetts paycheck calculatorTake-home on $60,000: $47,334.
- Michigan paycheck calculatorTake-home on $60,000: $48,087.
Hadi · Developer and maintainer
Federal tables checked against the IRS 2026 inflation adjustments and 2025 state figures, the latest published, against the Maryland department of revenue on .