Maryland Paycheck Calculator
Calculate your take-home pay in Maryland. See how federal tax, MD state tax (2% to 5.75% (8 brackets)), Social Security, and Medicare affect your paycheck. Free, instant, private.
Maryland Paycheck Calculator
Your Take-Home Pay Per Paycheck
$2,519.20
Bi-Weekly (26) · $65,499/year · Effective Rate: 24.8%
Gross Pay
$87,063
$3,348.58/check
Federal Tax
-$10,768
12.4% eff.
MD State Tax
-$4,135
4.8% eff.
FICA
-$6,660
SS + Medicare
Net Take-Home
$65,499
75.2% kept
Pay Breakdown
| Item | Per Paycheck | Annual |
|---|---|---|
| Gross Pay | $3,348.58 | $87,063.00 |
| Federal Income Tax | -$414.15 | -$10,767.86 |
| Maryland State Tax | -$159.06 | -$4,135.49 |
| Social Security (6.2%) | -$207.61 | -$5,397.91 |
| Medicare (1.45%) | -$48.55 | -$1,262.41 |
| Net Take-Home Pay | $2,519.20 | $65,499.33 |
Maryland Income Tax Overview
Maryland has a progressive income tax with eight brackets from 2% to 5.75%. Additionally, all 23 counties and Baltimore City levy local income taxes ranging from 2.25% to 3.2%, making the combined state-local income tax burden among the highest in the nation. Maryland has a high median income of $87,063 due to proximity to Washington DC and the many federal government and contractor jobs. The cost of living is 120% of the national average.
Maryland Tax Details
Maryland has 8 state tax brackets: 2% to $1,000, 3% to $2,000, 4% to $3,000, 4.75% to $100,000, 5% to $125,000, 5.25% to $150,000, 5.5% to $250,000, and 5.75% above $250,000 (single). Every county adds 2.25% to 3.2% local income tax. Baltimore City is 3.2%. Standard deduction is 15% of AGI, min $1,800, max $2,600 (single).
Local Taxes in Maryland
All 23 counties and Baltimore City levy local income taxes from 2.25% to 3.2%. Local taxes are not included in the calculator above and would further reduce your take-home pay.
State Tax Rate
4.75%
Median Income
$87,063
Minimum Wage
$15.00/hr
Cost of Living
120%
How the Maryland Paycheck Calculator Works
This calculator estimates your take-home pay in Maryland by deducting federal income tax, Maryland state income tax (2% to 5.75% (8 brackets)), Social Security (6.2% up to $176,100), and Medicare (1.45% plus 0.9% surtax on high earners).
Start with Gross Salary
Your total annual compensation before any deductions.
Apply Standard Deduction
$15,000 for single filers (2026).
Calculate Federal Tax
Using 2026 marginal tax brackets: 10%, 12%, 22%, 24%, 32%, 35%, 37%.
Add MD State Tax
Maryland taxes at 2% to 5.75% (8 brackets). We use the effective rate of 4.75%.
Deduct FICA Taxes
Social Security (6.2% up to $176,100) + Medicare (1.45% on all income).
Note: This calculator provides estimates. Actual take-home pay may vary based on pre-tax deductions (401k, health insurance), local taxes, and other withholding adjustments. In Maryland: All 23 counties and Baltimore City levy local income taxes from 2.25% to 3.2%.
Maryland Cost of Living
Maryland's cost of living index is 120 (national average = 100). This means living in Maryland is 20% more expensive than the national average. A salary of $87,063 in Maryland has the equivalent purchasing power of about $72,553 in an average-cost area.
Your Salary's Purchasing Power
Your $65,499 annual take-home pay in Maryland has the purchasing power of approximately $54,583 in an average-cost area.
Maryland Minimum Wage
The minimum wage in Maryland is $15.00 per hour as of 2026. This is $7.75 above the federal minimum wage of $7.25/hour. A full-time minimum wage worker in Maryland (40 hours/week) earns approximately $31,200 per year before taxes.
Hourly
$15.00
Weekly (40h)
$600
Monthly
$2,600
Annual
$31,200
Compare Maryland to Nearby States
See how Maryland's tax rates and cost of living compare to neighboring states.
| State | Income Tax | Min Wage | Cost of Living | Median Income |
|---|---|---|---|---|
| Maryland | 4.75% | $15.00 | 120% | $87,063 |
| Pennsylvania | 3.07% | $7.25 | 97% | $67,587 |
| Delaware | 5.5% | $15.00 | 102% | $72,724 |
| Virginia | 5.75% | $12.41 | 104% | $80,615 |
| West Virginia | 4.82% | $8.75 | 84% | $50,884 |
Tips to Maximize Your Take-Home Pay in Maryland
- Maximize pre-tax contributions to your 401(k) or 403(b). In 2026, you can contribute up to $23,500 ($31,000 if over 50), reducing your taxable income and both federal and state taxes.
- Use an HSA if you have a high-deductible health plan. HSA contributions ($4,300 individual, $8,550 family in 2026) are pre-tax and reduce your paycheck deductions.
- Use a Dependent Care FSA if you have childcare expenses. You can set aside up to $5,000 pre-tax to pay for daycare or after-school care.
- Review your W-4 withholding. If you regularly get large tax refunds, you are giving the IRS an interest-free loan. Adjust your W-4 to keep more money in each paycheck throughout the year.
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Frequently Asked Questions
How much tax do I pay in Maryland?
In Maryland, you pay both federal and state income taxes plus FICA. The state income tax rate is 2% to 5.75% (8 brackets). On a $87,063 salary filing single, your combined effective tax rate would be approximately 24.8%.
What is the minimum wage in Maryland?
The minimum wage in Maryland is $15.00 per hour as of 2026. This equals approximately $31,200 per year for a full-time worker (40 hours/week, 52 weeks/year). The federal minimum wage is $7.25/hour, and Maryland requires employers to pay the higher state rate.
What is the cost of living in Maryland?
Maryland's cost of living index is 120, meaning it is 20% more expensive the national average. The median household income is $87,063. Higher costs are typically driven by housing prices in major metro areas.
How does Maryland's income tax compare to other states?
Maryland's income tax structure is 2% to 5.75% (8 brackets). This is a relatively low income tax rate compared to many states. For comparison, nine states have no income tax at all, while California has the highest top rate at 13.3%.