Maryland Paycheck Calculator (2026)
Estimate your take-home pay in Maryland after federal tax, FICA, and MD state income tax, using official 2026 rates.
Estimated take-home pay · Maryland
$47,904 / year
Monthly
$3,992
Biweekly
$1,842
Hourly
$23.03
- Gross pay
- $60,000
- Federal income tax
- −$5,020
- MD state income tax
- −$2,486
- Social Security (6.2%)
- −$3,720
- Medicare (1.45%)
- −$870
- Take-home pay
- $47,904
- Effective tax rate
- 20.2%
How Maryland taxes paychecks in 2026
Maryland uses 10 graduated brackets from 2.0% to 6.5%. The 2026 standard deduction is $3,350 (single) / $6,700 (married). A personal exemption of $3,200 (single) / $6,400 (married) also reduces taxable income.
Single filer · 2026 MD brackets
| 2.00% | Up to $1,000 |
| 3.00% | $1,000 – $2,000 |
| 4.00% | $2,000 – $3,000 |
| 4.75% | $3,000 – $100,000 |
| 5.00% | $100,000 – $125,000 |
| 5.25% | $125,000 – $150,000 |
| 5.50% | $150,000 – $250,000 |
| 5.75% | $250,000 – $500,000 |
| 6.25% | $500,000 – $1,000,000 |
| 6.50% | Over $1,000,000 |
Married filing jointly · 2026 MD brackets
| 2.00% | Up to $1,000 |
| 3.00% | $1,000 – $2,000 |
| 4.00% | $2,000 – $3,000 |
| 4.75% | $3,000 – $150,000 |
| 5.00% | $150,000 – $175,000 |
| 5.25% | $175,000 – $225,000 |
| 5.50% | $225,000 – $300,000 |
| 5.75% | $300,000 – $600,000 |
| 6.25% | $600,000 – $1,200,000 |
| 6.50% | Over $1,200,000 |
IMPORTANT: every Maryland county (and Baltimore City) adds a local income tax of 2.25%–3.2% on top of the state tax. It is NOT included in this estimate. Add roughly 3% for a realistic all-in figure.
The personal exemption phases out for AGI above $100k (single) / $150k (joint), which is not modeled.
What makes Maryland paychecks different
Maryland's state brackets run from 2% to 6.5%, with two new top rates (6.25% above $500,000 and 6.5% above $1 million for single filers) added in the 2025 budget. Most workers sit in the 4.75% bracket, which starts at just $3,000 of taxable income. The standard deduction is capped at $3,350 for a single filer and the $3,200 personal exemption phases out above $100,000. The state also added a 2% surtax on capital gains for filers with income over $350,000.
The number that matters most is the one this calculator leaves out: every Maryland county and Baltimore City levies its own income tax on residents, roughly 2.25% to 3.2% of taxable income, withheld alongside the state tax. Montgomery and Prince George's counties are at the top of that range. Nonresidents who work in Maryland pay a special 2.25% nonresident rate instead. For a realistic all-in figure, add about 3% of taxable income to the state amount above.
Maryland has reciprocity with the District of Columbia, Pennsylvania, Virginia and West Virginia, so the large share of residents who work in DC or Northern Virginia pay only Maryland tax. A statewide paid family and medical leave program (FAMLI) is coming, but after repeated delays payroll contributions of 0.45% from employees will not start until January 1, 2027, with benefits in 2028.
Maryland take-home pay examples (2026)
Single filer, standard deduction, no dependents. Click a salary for the full 50-state comparison.
| Gross salary | Net / year | Net / month | Net / biweekly | Effective rate |
|---|---|---|---|---|
| $35,000 | $29,004 | $2,417 | $1,116 | 17.1% |
| $45,000 | $36,564 | $3,047 | $1,406 | 18.7% |
| $55,000 | $44,124 | $3,677 | $1,697 | 19.8% |
| $65,000 | $51,684 | $4,307 | $1,988 | 20.5% |
| $75,000 | $58,394 | $4,866 | $2,246 | 22.1% |
| $85,000 | $64,954 | $5,413 | $2,498 | 23.6% |
| $100,000 | $74,794 | $6,233 | $2,877 | 25.2% |
| $120,000 | $87,880 | $7,323 | $3,380 | 26.8% |
| $150,000 | $106,875 | $8,906 | $4,111 | 28.8% |
How Maryland compares
Maryland's top rate of 6.5% is #14 of 51 US jurisdictions. For comparison, a $60,000 single filer keeps $47,904 in Maryland versus $50,390 in no-tax Texas and $47,961 in California. See all rates on the 2026 state income tax table.
Maryland paycheck FAQ
How much is $60,000 after taxes in Maryland?+
A single filer earning $60,000 in Maryland takes home about $47,904 per year ($3,992/month) in 2026: $5,020 goes to federal income tax, $4,590 to FICA, and $2,486 to Maryland state taxes.
What is the Maryland income tax rate in 2026?+
Maryland's 2026 income tax runs from 2.0% to 6.5% across 10 brackets (single filer).
Does Maryland tax 401(k) contributions?+
No. Traditional 401(k) contributions reduce both your federal and Maryland taxable income, so deferring salary lowers this year's tax bill.
What taxes come out of a paycheck in Maryland?+
Every Maryland paycheck loses federal income tax (10%–37% brackets) and FICA (6.2% Social Security up to $184,500 + 1.45% Medicare). Maryland uses 10 graduated brackets from 2.0% to 6.5%.
Is Maryland a high-tax or low-tax state for take-home pay?+
Maryland's top marginal rate of 6.5% ranks #14 highest of the 51 US jurisdictions in 2026. At $60,000, a single filer keeps 80% of gross pay.