Maryland Paycheck Calculator
Estimate your Maryland take-home pay after federal tax, FICA, and Maryland state income tax. Enter your gross pay, filing status, and pre-tax deductions to see your net pay per paycheck.
2026 standard deduction and personal exemption verified against Tax Foundation 2026 data; bracket thresholds are approximate — verify before launch.
- Take-home$51,683.63 · 79.51%
- Federal tax$5,620.00 · 8.65%
- Social Security + Medicare$4,972.50 · 7.65%
- Maryland tax$2,723.88 · 4.19%
| Item | Per bi-week | % of gross |
|---|---|---|
| Gross pay | $2,500.00 | 100% |
| Federal withholding | $216.15 | 8.65% |
| Social Security | $155.00 | 6.20% |
| Medicare | $36.25 | 1.45% |
| Maryland income tax | $104.76 | 4.19% |
| Take-home pay | $1,987.83 | 79.51% |
Living on a paycheck in Maryland
Maryland's state income tax is graduated up to 5.75%, but the headline figure understates the real bite: every Maryland county and Baltimore City adds its own local income tax, often around 3% or more, withheld right alongside the state portion. That makes Maryland one of the more heavily taxed states on wages.
Because the county tax is built into withholding, your take-home depends on where you live. The calculator above lets you include an estimated average county rate.
How Maryland taxes are withheld
Your Maryland paycheck has federal income tax, Social Security (6.2%), and Medicare (1.45%) withheld, plus graduated state income tax up to 5.75% and a local county income tax. The county tax — averaging roughly 3% — is collected through payroll, so most Maryland workers effectively pay a combined state-and-local rate well above the state figure alone.
What shapes your take-home in Maryland
The combined state-plus-county structure means your true Maryland rate can approach the high single digits even at middle incomes. As an illustration, a single filer earning $75,000 might owe around $3,300 in state tax plus roughly $2,000 more in county tax for the year. Your exact take-home, including your county, is shown above.
Getting the most from each paycheck in Maryland
Because the county tax stacks on the state tax, pre-tax 401(k) and HSA contributions are doubly valuable in Maryland — they reduce federal, state, and local taxable wages at once. Keep your MW507 withholding aligned with your county and family situation.
How Maryland taxes your paycheck
Maryland has progressive state income tax rates ranging from 2% to 5.75%. Use the calculator above to estimate your take-home pay after all withholdings.
Every US paycheck also has federal income tax, Social Security (6.2% up to the annual wage base), and Medicare (1.45%, plus 0.9% on high earners) withheld. Your taxable income is your gross pay minus pre-tax deductions such as 401(k) and pre-tax health premiums.
Every Maryland county (and Baltimore City) levies a local income tax on top of the state rate. Select the county option above to include an estimated average local rate.
Frequently Asked Questions
How much is taken out of a paycheck in Maryland?
Maryland paychecks have federal income tax, Social Security (6.2%), and Medicare (1.45%) withheld, plus progressive (up to 5.75%) state income tax, and a local income tax in some cities. The exact amount depends on your pay, filing status, and pre-tax deductions.
Does Maryland have a state income tax?
Yes. Maryland levies progressive (up to 5.75%) state income tax in addition to federal taxes.
How is this take-home estimate calculated?
It applies 2026 estimated federal brackets, FICA rates, state income-tax rates, local taxes where configured, and employee payroll-program rates to your annual pay minus pre-tax deductions, then divides by your pay frequency. It is a simplified estimate, not official payroll withholding.