Maryland · 2026
Maryland paycheck calculator
Maryland paycheck calculator for 2026. See your real take-home pay for 2026. Enter your salary, filing status and state, and this works out federal income tax, Social Security and Medicare (FICA), and state income tax, then shows what actually lands in your account. Your paycheck is built in layers: the federal government taxes your income above the standard deduction using graduated brackets, FICA takes a fixed percentage for Social Security and Medicare, and your state adds its own income tax, or none at all. Because each layer follows different rules, two people on the same salary in different states can take home noticeably different amounts. Use this to check a job offer across state lines, plan around a raise, or understand why your net pay sits well below your gross.
How Maryland tax affects your pay
Maryland is unusual for how large its local income tax is: every county and Baltimore City adds its own income tax on top of the state rate, often several percent. The combined state-plus-county rate is what really shapes a Maryland paycheck.
Maryland uses a graduated state income tax with 10 bands, running from 2% to 6.5%, and the top 6.5% rate applies only to taxable income above $1,000,000. A state standard deduction of $3,350 is applied before the brackets. Because the lower bands tax the first slice of income at smaller rates, your effective state rate is lower than the headline top rate.
Single-filer schedule for 2025. Two new top brackets added effective Jan 1, 2025: 6.25% on $500,001-$1,000,000 and 6.50% over $1,000,000 (Budget Reconciliation and Financing Act of 2025). Single standard deduction increased to $3,350 (income-based phase-in eliminated). State sales tax 6%; no local sales tax. Counties levy separate local income taxes.
This estimate combines federal income tax, FICA and Maryland state income tax. It excludes city and county income taxes, pre-tax deductions such as 401(k) contributions and health premiums, and tax credits, all of which can change your real take-home pay.
For how the federal income tax and FICA layers are worked out, see the Paycheck calculator.
Frequently asked questions
What are the Maryland income tax brackets?+
Maryland uses a graduated income tax with 10 bands from 2% to 6.5%, after a state standard deduction of $3,350. Only the income inside each band is taxed at that band's rate, so your effective rate is lower than the top one.
What is the sales tax in Maryland?+
Maryland's statewide sales tax is 6%, with local rates often added on top. It is separate from the income tax taken from your wages.
Does this include local or city income taxes in Maryland?+
No. This covers federal income tax, FICA and Maryland state income tax only. Maryland county income taxes range from roughly 2.25% to 3.2% and are withheld alongside the state tax, so where you live inside Maryland materially changes your take-home. That local layer is charged separately and is not included in this estimate.
What is taken out of a Maryland paycheck?+
Federal income tax, Social Security and Medicare (FICA at 7.65% up to the wage base), and Maryland state income tax. Pre-tax items such as 401(k) contributions and health premiums lower taxable pay and are not assumed here.
What is distinctive about Maryland tax?+
Maryland is unusual for how large its local income tax is: every county and Baltimore City adds its own income tax on top of the state rate, often several percent. The combined state-plus-county rate is what really shapes a Maryland paycheck.
Anything specific to Maryland I should know?+
Single-filer schedule for 2025. Two new top brackets added effective Jan 1, 2025: 6.25% on $500,001-$1,000,000 and 6.50% over $1,000,000 (Budget Reconciliation and Financing Act of 2025). Single standard deduction increased to $3,350 (income-based phase-in eliminated). State sales tax 6%; no local sales tax. Counties levy separate local income taxes.
Sources
Last updated: 2026 tax year
This is an estimate for general guidance, not financial or tax advice. 2026 federal and FICA figures. Federal + FICA + state income tax only; excludes local taxes, pre-tax deductions and credits. State married-jointly figures are an approximation: the state single standard deduction and bracket thresholds are doubled, which matches conforming states but may differ where a state sets its own joint schedule. Confirm with the official sources before making decisions.
Built and maintained by Vikas Dulgunde, a software engineer building money and tax tools. Figures come from the official sources above; see our editorial standards.