Maryland Paycheck Calculator 2026 – Estimate Your Take-Home Pay
Use our free Maryland Paycheck Calculator to estimate your net pay for the 2026 tax year. This tool acts as a MD net pay calculator by computing Federal withholding, FICA taxes, Maryland state income tax (4.75%), and mandatory Maryland local tax based on your county. Because local taxes vary significantly (2.25% to 3.20%), using our Maryland county tax calculator is essential for an accurate take-home pay estimate.
- State Tax Rate: 4.75% (Base Rate)
- Local Tax Rate: 2.25% – 3.20% (Select County)
- Combined Tax: ~7.00% – 7.95%
- Federal Tax: 10% – 37% (Progressive)
How the Maryland Paycheck Calculator Works
Our Maryland gross to net calculator accounts for the unique state and local tax structure. We start with your gross earnings and subtract:
- Federal Withholding: Based on IRS tax brackets.
- FICA Taxes: Mandatory contributions for Social Security (6.2%) and Medicare (1.45%).
- Maryland State Tax: A base state income tax rate of approximately 4.75%.
- Local Income Tax: A mandatory tax based on your county of residence (e.g., Montgomery, Prince George's, Baltimore City).
Maryland Local Tax Rates (2026)
Maryland collects local income taxes through the state return. The rate depends entirely on which county (or independent city) you live in.
| County / City | Local Tax Rate |
|---|---|
| Baltimore City | 3.20% |
| Montgomery County | 3.20% |
| Prince George's County | 3.20% |
| Howard County | 3.20% |
| Anne Arundel County | 2.81% |
| Baltimore County | 3.20% |
| Worcester County | 2.25% (Lowest) |
Note: Combined with the state rate of 4.75%, most Marylanders pay between 7% and 8% in total state/local income taxes.
Federal Taxes That Apply to Your Paycheck
Federal Income Tax
The IRS imposes a progressive tax ranging from 10% to 37%. Your specific rate depends on your filing status and total taxable income.
Social Security & Medicare (FICA)
Every Maryland paystub calculator includes FICA. This deducts 6.2% of your gross pay for Social Security (up to the wage limit) and 1.45% for Medicare (on all earnings).
Maryland Paycheck After Taxes for $60,000 Salary
If you are a single filer in Baltimore City earning $60,000 per year, your breakdown looks like this:
| Tax Description | Amount |
|---|---|
| Federal Tax (Est.) | $5,900 |
| FICA (7.65%) | $4,590 |
| State Tax (4.75%) | $2,850 |
| Local Tax (3.20%) | $1,920 |
| Estimated Take-Home Pay | $44,740 |
Minimum Wage & Cost of Living
Maryland has a relatively high minimum wage ($15.00+ in 2026). However, the cost of living is also high, particularly in the D.C. metro area (Montgomery and Prince George's counties).
How to Increase Your Take-Home Pay
To maximize your Maryland salary calculator results, ensure your W-4 form is accurate. Contributing to pre-tax retirement accounts (401k/403b) reduces your taxable income, lowering your federal, state, and local tax liabilities simultaneously.
FAQs – Maryland Paycheck Calculator
What is the income tax rate in Maryland for 2026?
Maryland has a state income tax rate of approximately 4.75%. However, you must add your local county tax rate (2.25% to 3.20%) to find your total effective rate.
Does Maryland tax overtime pay?
Yes, overtime pay is treated as regular income and is subject to Federal, State, and Local taxes.
Do I pay Maryland local tax if I work in a different county?
Maryland local tax is generally based on where you *live*, not where you work. Your employer should withhold tax based on your residence county.