Maryland Take-Home Pay Calculator

Maryland's brackets look busy, but the first three are tiny. A single filer pays 2% on the first $1,000 of taxable income, 3% on the next $1,000, and 4% on the next $1,000. From $3,000 to $100,000 the rate is 4.75%, so that is the marginal rate for most Maryland workers. Above that it steps up to 5% at $100,000, 5.25% at $125,000, 5.5% at $150,000, and 5.75% at $250,000.

A 2025 budget law added two brackets at the top: 6.25% on taxable income from $500,000 to $1,000,000 and 6.5% above $1,000,000 for single filers, with joint thresholds of $600,000 and $1,200,000. The same law replaced the old percentage-based standard deduction with a flat amount, which for 2026 is $3,400 for single filers and $6,800 for joint filers or heads of household, and added a surtax on capital gains for higher-income households.

Maryland also allows a $3,200 personal exemption per person, but it phases out as income rises. A single filer keeps the full $3,200 at $100,000, only $800 at $150,000, and nothing at $250,000. Maryland starts from federal adjusted gross income, so 401(k), HSA, and pre-tax health premiums lower both state and county tax.

A single filer earning $75,000 subtracts the $3,400 standard deduction and the $3,200 exemption, leaving $68,400 of Maryland taxable income. The first three brackets produce $20, $30, and $40. The remaining $65,400 is taxed at 4.75%, or $3,107. State tax totals $3,197, an effective 4.26%.

The federal return uses a $16,100 standard deduction, so $58,900 is taxable: $12,400 at 10%, $38,000 at 12%, and $8,500 at 22%, for $7,670. Social Security takes $4,650 and Medicare $1,088. Take-home pay is $58,395, or $4,866 a month, before county tax. The Maryland $75,000 salary page shows each paycheck.

County tax uses the same $68,400 of Maryland taxable income. In a 3.2% county it costs $2,189, so the local bill is about two-thirds the size of the state bill.

All 23 Maryland counties and Baltimore City levy a local income tax on their residents, collected on the same return as state tax. Unlike Ohio's city taxes, the rate follows your home address, not your job. A Montgomery County resident working in Baltimore pays Montgomery's rate.

Most of the large jurisdictions charge 3.2%. That covers Baltimore City and Baltimore County, Howard County (Columbia), and Montgomery County (Silver Spring and Rockville), each costing $2,189 at $75,000. Anne Arundel County (Annapolis) uses brackets, with 2.94% covering most middle incomes, for $1,891. Frederick County also scales with income, from 2.25% at the low end to 2.96% at this salary, for $2,025. The Silver Spring calculator adds county tax to the state figures.

A 2025 law let counties go above 3.2% starting in 2026, and two small Eastern Shore counties, Kent and Dorchester, now do. Nonresidents who work in Maryland do not pay county tax; instead they owe a special nonresident tax on top of state tax unless reciprocity applies.

Maryland employers withhold state and county tax together from Form MW507, the Maryland Employee Withholding Exemption Certificate. Your county of residence on the MW507 sets the local rate, and if you never file one, your employer may withhold at the highest local rate. Update it whenever you move between counties.

Maryland has reciprocity with the District of Columbia, Pennsylvania, Virginia, and West Virginia. Residents of those places who work in Maryland can claim exemption on the MW507 and pay only their home jurisdiction. A Marylander commuting to DC or Northern Virginia pays Maryland state and county tax only, since DC does not tax commuters and Virginia's reciprocity agreement exempts Maryland residents.

Delaware is not covered. A Delaware resident working in Elkton or Salisbury owes Maryland tax plus the nonresident tax, and claims a credit at home. Maryland's paid family and medical leave program, FAMLI, does not begin payroll deductions until January 2027, so 2026 paychecks carry no FAMLI line.

At the state level, a single $75,000 earner keeps $58,395 in Maryland, 39th among the 50 states and DC. That is $232 more than in DC, $301 more than in Virginia, and $412 more than in Delaware, but $651 less than in West Virginia, which cut its rates for 2026, and $895 less than in Pennsylvania. Compare the region's most common choice on Maryland vs Virginia.

Those comparisons leave out local tax, and that is where Maryland usually loses. Virginia has no local income tax, while a Maryland resident in a 3.2% county pays $2,189 more at $75,000. Pennsylvania's local earned income taxes narrow that gap for Pennsylvanians. Against a state with no income tax, Maryland's state tax alone costs $3,197 at this salary; see Maryland vs Florida.