Maryland State Tax Calculator 2026
Estimate your Maryland state income tax and take-home pay for tax year 2026.
Last updated: November 2025 · Source
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Maryland 2026 tax overview
FY2026 budget added 6.25% and 6.5% top brackets. All counties + Baltimore City add local income tax 2.25%–3.30%.
Breakdown
Maryland also withholds an employee FAMLI premium, and every county levies a local income tax on top of the state rate; this page does not model either, so real take-home is lower.
Maryland income tax brackets, 2026
Rates apply to each slice of taxable income in turn, not to the whole amount. Reaching the 6.50% bracket does not mean paying 6.50% on everything. Figures are for single filers unless the state uses one schedule for all statuses.
| Taxable income | Rate | Tax on this bracket |
|---|---|---|
| $0 to $1,000 | 2% | $20 max |
| $1,000 to $2,000 | 3% | $30 max |
| $2,000 to $3,000 | 4% | $40 max |
| $3,000 to $100,000 | 4.75% | $4,608 max |
| $100,000 to $125,000 | 5% | $1,250 max |
| $125,000 to $150,000 | 5.25% | $1,313 max |
| $150,000 to $250,000 | 5.50% | $5,500 max |
| $250,000 to $500,000 | 5.75% | $14,375 max |
| $500,000 to $1,000,000 | 6.25% | $31,250 max |
| Over $1,000,000 | 6.50% | 6.50% of everything above $1,000,000 |
Brackets apply to income after the Maryland standard deduction of $3,350 single and $6,700 married filing jointly, which is separate from the federal standard deduction.
What this calculator does not include
Every Maryland county and Baltimore City levies its own income tax, from 2.25% to 3.20%, charged on the same taxable income as the state tax. It is a large addition, over 3% in Montgomery, Prince George's, Howard and Baltimore City, and it is not modelled here. Maryland also withholds an employee FAMLI premium, and every county levies a local income tax on top of the state rate; this page does not model either, so real take-home is lower.
Frequently Asked Questions
What are the 2026 Maryland income tax rates?
Maryland uses a 10-bracket progressive schedule for 2026, running from 2% to 6.50%. The top rate starts at $1,000,000 of taxable income. FY2026 budget added 6.25% and 6.5% top brackets. All counties + Baltimore City add local income tax 2.25%–3.30%.
At what income does the top Maryland tax rate start?
The 6.50% top rate applies to taxable income above $1,000,000. Below that, 9 lower brackets apply in sequence, so your average rate is always lower than your top rate.
What is the 2026 Maryland standard deduction?
Maryland allows a state standard deduction of $3,350 for single filers and $6,700 for married filing jointly in 2026. This is separate from the federal standard deduction, which is $16,100 and $32,200 respectively.
Are there local income taxes in Maryland?
Yes. Every Maryland county and Baltimore City levies its own income tax, from 2.25% to 3.20%, charged on the same taxable income as the state tax. It is a large addition, over 3% in Montgomery, Prince George's, Howard and Baltimore City, and it is not modelled here.
What payroll deductions does Maryland require besides income tax?
Maryland also withholds an employee FAMLI premium, and every county levies a local income tax on top of the state rate; this page does not model either, so real take-home is lower. Local income tax applies too; see the question above.
Does Maryland have tax reciprocity with neighbouring states?
Yes. Maryland has reciprocal agreements with Washington DC, Pennsylvania, Virginia, West Virginia. If you live in one of those states and work in Maryland, you file and pay only where you live, and you give your employer the relevant non-residence certificate so Maryland tax is not withheld. Without that form the tax is withheld anyway and you have to file a Maryland return to get it back.
Does Maryland tax Social Security and retirement income?
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.
What surprises people most about Maryland income tax?
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.