Silver Spring local tax guide
Who pays Silver Spring's local tax
Montgomery County residents owe 3.2% on their Maryland taxable income no matter where they work, including jobs in downtown Washington, at the FDA's White Oak campus, or in Prince George's County. A Prince George's resident who works in Silver Spring pays Prince George's rate. D.C. residents who commute into Silver Spring and keep no Maryland home for 183 days or more are exempt from Maryland withholding under reciprocity. Living in Silver Spring and working remotely for a D.C. or Virginia employer still means Maryland and county tax.
How Silver Spring residents are taxed locally
Silver Spring, with about 81,000 residents, is a census-designated place rather than a city, so it has no municipal government or city tax. Montgomery County runs local services and charges a flat 3.2% income tax on Maryland taxable income.
Neighboring Takoma Park is an incorporated city, but it sits in Montgomery County too, so its residents pay the same 3.2%. Across the county line, Prince George's County also charges 3.2% for 2026.
Worked example: $75,000 in Silver Spring
A single filer earning $75,000 has $68,400 of Maryland taxable income. Maryland tax on that is $3,197 and Montgomery County's 3.2% is $2,189. Add $7,670 of federal income tax, $4,650 of Social Security, and $1,088 of Medicare, and annual take-home is $56,207, about $2,162 every two weeks.
With no local tax, the same paycheck would total $58,395 a year, so the county costs $2,189. At $60,000 the county tax is $1,709 and take-home is $46,197.
Working in Washington, D.C.
D.C. cannot tax the wages of people who live outside the District, so a Silver Spring resident with a D.C. job owes no D.C. income tax. Give the employer Form D-4A, the Certificate of Nonresidence in the District, and Form MW507 listing Montgomery County so it withholds Maryland and county tax.
Some small D.C. employers do not run Maryland payroll. If yours withholds nothing for Maryland, the full year of state and county tax lands on your Form 502, so make quarterly estimated payments to the Comptroller instead.
How Silver Spring compares
Silver Spring's tax is identical to Rockville's, Columbia's, and Baltimore City's at $2,189 on a $75,000 salary. A home in Annapolis would cut the county bill by $298, and one in Frederick by $164. See the Rockville calculator, the Baltimore calculator, or the Maryland state page.
Tips for Silver Spring paychecks
File D-4A with a D.C. employer
It certifies you live outside the District, which stops D.C. withholding. Pair it with MW507 so Maryland and Montgomery County tax come out instead.
Takoma Park or Silver Spring, same rate
Both are in Montgomery County, so the choice between them does not change your local income tax.
Use pre-tax benefits
401(k), TSP, and pre-tax transit benefits lower the wages Maryland taxes, which also reduces the 3.2% county tax.