Maryland Paycheck Calculator
Calculate your take-home pay in Maryland. See how federal tax, MD state tax (2% to 6.5% (10 brackets)), Social Security, and Medicare affect your paycheck. Free, instant, private.
Maryland paycheck quick answer
Maryland paycheck estimates need both state and local context. Salario applies the 2026 state brackets for the calculator estimate and flags county or Baltimore City income taxes because local tax can materially change take-home pay.
MD brackets
2%-6.5%
State graduated tax
Local income tax
2.25%-3.2%
County or Baltimore City
Calculator model
2026 brackets
State estimate before local tax
Maryland Paycheck Calculator
Your Take-Home Pay Per Paycheck
$2,544.42
Bi-Weekly (26) · $66,155/year · Effective Rate: 24.0%
Gross Pay
$87,063
$3,348.58/check
Federal Tax
-$10,324
11.9% eff.
MD State Tax
-$3,924
4.5% eff.
FICA
-$6,660
SS + Medicare
Net Take-Home
$66,155
76.0% kept
Pay Breakdown
| Item | Per Paycheck | Annual |
|---|---|---|
| Gross Pay | $3,348.58 | $87,063.00 |
| Federal Income Tax | -$397.07 | -$10,323.86 |
| Maryland State Tax | -$150.92 | -$3,923.87 |
| Social Security (6.2%) | -$207.61 | -$5,397.91 |
| Medicare (1.45%) | -$48.55 | -$1,262.41 |
| Net Take-Home Pay | $2,544.42 | $66,154.95 |
2026 Maryland Paycheck Examples
Use these single-filer examples to sanity-check the calculator before changing inputs. They use 26 biweekly paychecks, the 2026 federal standard deduction, Social Security up to the $184,500 wage base, Medicare, and the MD state model shown on this page.
| Scenario | Gross Salary | Biweekly Take-Home | MD Tax | Total Tax Rate |
|---|---|---|---|---|
| $50,000 salary | $50,000 | $1,545.83 | $2,163.38 | 19.6% |
| Maryland median | $87,063 | $2,544.42 | $3,923.87 | 24.0% |
| $100,000 salary | $100,000 | $2,870.83 | $4,538.38 | 25.4% |
| $150,000 salary | $150,000 | $4,104.11 | $7,084.13 | 28.9% |
Model note: Maryland uses 2% to 6.5% (10 brackets); top rate 6.5% (2026, progressive) in this fast paycheck model. Benefits, pre-tax retirement, health insurance, local wage taxes, and exact withholding elections can change the real paycheck.
Maryland Income Tax Overview
Maryland has a progressive income tax with ten brackets from 2% to 6.5%. 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 10 state tax brackets for 2026: 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, 5.75% to $500,000, 6.25% to $1M, and 6.5% above $1M (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 Top Rate (2026)
6.5%
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 6.5% (10 brackets); top rate 6.5% (2026, progressive)), Social Security (6.2% up to $184,500), 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
$16,100 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 6.5% (10 brackets); top rate 6.5% (2026, progressive). We apply the 2026 brackets after the MD standard deduction as an estimate.
Deduct FICA Taxes
Social Security (6.2% up to $184,500) + 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 $66,155 annual take-home pay in Maryland has the purchasing power of approximately $55,129 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 | 6.5% top | $15.00 | 120% | $87,063 |
| Pennsylvania | 3.07% top | $7.25 | 97% | $67,587 |
| Delaware | 6.6% top | $15.00 | 102% | $72,724 |
| Virginia | 5.75% top | $12.41 | 104% | $80,615 |
| West Virginia | 4.58% top | $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 $24,500 ($32,500 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 ($4,400 individual, $8,750 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.
- Consider state-specific deductions. Maryland has a relatively high income tax rate (2% to 6.5% (10 brackets)). Check if you qualify for any state-specific tax credits or deductions that can lower your MD tax burden.
- 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 6.5% (10 brackets). On a $87,063 salary filing single, your combined effective tax rate would be approximately 24.0%.
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 6.5% (10 brackets). This is a moderate income tax rate compared to other states. For comparison, nine states have no income tax at all, while California has the highest top rate at 13.3%.