Maryland Paycheck Calculator 2026
Maryland withholding always includes your county or Baltimore City rate on top of the state brackets, which is why a Maryland stub often shows a combined rate near 8%. Residents of Pennsylvania, Virginia, West Virginia and DC who work in Maryland can be exempt via Form MW507.
Last updated: October 2026
Pay and filing
Annual gross: $65,000
Used to stop Social Security at the $184,500 wage base and to start the extra 0.9% Medicare above $200,000 on this paycheck.
Form W-4
Step 3: $2,200 per child and $500 per other dependent, a year.
For example education or child care credits you expect to claim.
Interest, dividends or other income with no withholding.
Deductions beyond the standard deduction, including deductible IRA contributions.
Retirement and benefits
$3,900 a year, capped at the $24,500 employee limit for 2026.
Traditional contributions lower federal and most state income tax now, but not Social Security or Medicare.
Through payroll, an HSA avoids income tax and FICA. California and New Jersey still tax it.
2026 limit $3,400.
2026 limit $7,500 per household ($3,750 married filing separately).
Paycheck breakdown (biweekly)
Annual summary
Maryland paycheck rules for 2026
| State income tax, 2026 | 10 brackets from 2% to 6.5%; top rate from $1,000,000 of taxable income (single) |
|---|---|
| Deductions before tax | standard deduction $3,350 single, $6,700 joint; personal exemption $3,200 per person |
| Withholding certificate | Form MW507 |
| Bonus (supplemental) withholding | No separate flat rate: a bonus is taxed with your regular pay (aggregate method) |
| Mandatory payroll premiums | None for employees |
| Local income taxes | Every Maryland county and Baltimore City levies its own income tax, from 2.25% (Worcester) to 3.30% (Dorchester and Kent) for 2026, charged on the same taxable income as the state tax. Montgomery, Prince George's, Howard, Baltimore County and Baltimore City are all 3.20%; Anne Arundel and Frederick use graduated rates. |
| Reciprocity agreements | Yes, with Washington DC, Pennsylvania, Virginia and West Virginia |
| Sales tax (for context) | 6.00% state, 6.00% average combined with local (rank 38 of 51) |
Worked example: $60,000 in Maryland
Single filer, paid every two weeks (26 paychecks), standard W-4, no 401(k) or other benefits.
| Gross pay | $2,307.69 |
| Federal income tax | -$193.08 |
| Social Security (6.2%) | -$143.08 |
| Medicare (1.45%) | -$33.46 |
| Maryland income tax | -$95.63 |
| Take-home pay | $1,842.45 |
Maryland take-home pay at different salaries
Single filer, paid every two weeks, standard W-4, no benefits, no local tax.
| Salary | Per paycheck | Per year | To Maryland |
|---|---|---|---|
| $40,000 | $1,260.91 | $32,784 | $1,536 |
| $60,000 | $1,842.45 | $47,904 | $2,486 |
| $100,000 | $2,876.68 | $74,794 | $4,386 |
| $150,000 | $4,105.73 | $106,749 | $7,042 |
Living and working in Maryland
Maryland's state sales tax is 6.00%; with local add-ons the average combined rate is 6.00%, ranked 38 of 51 as of July 2026.
Maryland is the only state where the local income tax is collected on the state return, which makes the combined rate easy to underestimate when comparing states.
In retirement: Maryland does not tax Social Security and offers a pension exclusion of over $39,000 for filers 65 and over, plus a separate credit for retirees.
Maryland paycheck questions
How much is take-home pay on $60,000 in Maryland?
A single filer paid $60,000 a year every two weeks, with no pre-tax benefits, takes home about $1,842.45 a paycheck in Maryland ($47,904 a year). Each $2,307.69 paycheck loses $193.08 to federal income tax, $176.54 to Social Security and Medicare, $95.63 to Maryland income tax. That is $2,486 a year less than the same salary in a state with no income tax or payroll premiums.
How much Maryland income tax comes out of each paycheck?
Ten brackets from 2% to 6.5% after the 2025 budget added 6.25% and 6.5% tops. Every county and Baltimore City adds a local income tax of 2.25% to 3.3%. The standard deduction is a flat $3,350 ($6,700 joint). On a $60,000 salary that works out to about $95.63 every two weeks, an effective 4.14% of gross pay.
What else does Maryland take out of a paycheck?
Apart from income tax, Maryland requires no other employee payroll deduction, so the remaining lines on your stub are federal income tax, Social Security, Medicare and any benefits you chose.
Are there local income taxes on Maryland paychecks?
Yes. Every Maryland county and Baltimore City levies its own income tax, from 2.25% (Worcester) to 3.30% (Dorchester and Kent) for 2026, charged on the same taxable income as the state tax. Montgomery, Prince George's, Howard, Baltimore County and Baltimore City are all 3.20%; Anne Arundel and Frederick use graduated rates. Choose your city or county in the calculator, or enter its rate under “Other”.
I live in a neighboring state. Will Maryland tax my paycheck?
Not if you live in Washington DC, Pennsylvania, Virginia and West Virginia. Maryland has reciprocal agreements with those states, so you can give your employer the state's nonresidence form and have only your home state's tax withheld. Without the form, Maryland tax is withheld anyway and you must file a Maryland return to get it back.
How are bonuses withheld in Maryland?
Federally, a bonus paid separately is usually withheld at a flat 22% (37% on supplemental pay above $1 million in the year). For Maryland: No separate flat rate: a bonus is taxed with your regular pay (aggregate method).
Which form sets my Maryland withholding?
Maryland uses Form MW507 alongside the federal Form W-4. If you do not file one, your employer uses the state's default setting, usually single with no allowances or adjustments. Update it after marriage, a new child or a second job.
More for Maryland
- Maryland income tax calculator for the full year
- Paycheck calculator for all states
- Bonus tax calculator