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2026 take-home pay

Calculate your real take-home pay in Maryland

Estimate your take-home pay in Maryland for 2026.

Quick answer: Maryland has a state income tax. On a $75,000 salary, a single filer takes home roughly $58,083 per year in 2026 after federal income tax, Maryland state tax, and FICA (Social Security + Medicare).

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$

Your take-home pay

$74,482.50

per year

$74,483 per year · 25.5% effective tax rate
Gross pay
$100,000.00
Federal income tax
− $13,170.00
Social Security
− $6,200.00
Medicare
− $1,450.00
State income tax
− $4,697.50
Net pay
$74,482.50

Estimates only — not professional tax advice. 2026 tax year.

Maryland is unusual in how heavily it leans on local income taxes: the state brackets (2% to 5.75%) are only part of the story, because every county and Baltimore City adds its own income tax of around 2.25% to 3.2% withheld through payroll. That means your county of residence can swing your take-home pay noticeably even at the same salary. The calculator below applies the 2026 state brackets; remember to add your county local rate for an accurate net figure.

How take-home pay works in Maryland

Your paycheck starts with your gross pay. From there, the federal government takes income tax based on 2026 marginal brackets and your filing status, plus FICA — Social Security (6.2% up to the $184,500 wage base) and Medicare (1.45%, with an extra 0.9% on high earners).

Maryland uses progressive state income tax brackets for 2026, running from 2% on the first $1,000 of taxable income up to a top rate of 5.75% on income above $250,000. On top of the state tax, every Maryland county and Baltimore City imposes a local income tax (roughly 2.25% to 3.2%) based on where you live. The calculator applies only the state brackets, so add your county rate for a full estimate.

Estimates only — not professional tax advice.

Major cities in Maryland

These estimates apply to workers across Maryland, including:

Frequently asked questions

What are the Maryland state income tax brackets in 2026?
Maryland state rates range from 2% on the first $1,000 up to 5.75% on taxable income above $250,000, with several brackets in between. These are separate from county local income taxes.
Why is the Maryland county income tax important?
Every Maryland county and Baltimore City charges a local income tax (about 2.25% to 3.2%) on top of the state rate, based on your county of residence. It is withheld from your paycheck, so add it to the state brackets for your true take-home.
Does Maryland have a state income tax?
Yes. Maryland taxes wage income. The calculator above includes it in your estimate.
How is my take-home pay calculated?
We start from your gross pay, then subtract federal income tax (2026 marginal brackets), Social Security (6.2% up to the $184,500 wage base), Medicare (1.45%, plus 0.9% over $200k), and your state income tax. Any 401(k) and pre-tax deductions are removed before income tax is figured.
Which states have no income tax?
Nine states have no state income tax on wages: Texas, Florida, Alaska, Nevada, South Dakota, Washington, Wyoming, Tennessee, and New Hampshire. Living there usually means a bigger paycheck.
Is this exact?
It is a solid estimate using 2026 federal and state rates and standard deductions. It does not capture local/city taxes, credits, or unusual situations. Treat it as a ballpark — not professional tax advice.
What is FICA?
FICA is the combination of Social Security and Medicare payroll taxes. Together they total 7.65% of most wages (6.2% Social Security up to the wage base, plus 1.45% Medicare on all wages).

Paycheck calculators for all 50 states

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