Maryland Paycheck Calculator
In Maryland, your county sets part of your income tax rate. Move one county over and the number changes.
Detailed paycheck estimator for workers in **Maryland** (MD). Uses updated 2026 federal withholdings, FICA tax limits, and state-specific tax brackets.
Estimate Take-Home Income in MD
Progressive State Tax + County TaxCalculator Inputs
Calculation Result
How much tax comes out of a paycheck in Maryland?
Maryland takes state tax plus a county tax that varies by where you live. A single filer earning $75,000 in Montgomery County pays $5,453 in combined state and local tax and takes home about $56,140 a year.
W-2 tax structure in Maryland
Maryland runs progressive state brackets from 2% to 5.75%. On top of that, all 23 counties and Baltimore City levy a flat local income tax on the same taxable income base. That local rate is set by where you live, not where you work, and it's determined by your address on December 31.
Worked payroll example (gross $75,000 salary)
| Withholding Category | Annual Deduction |
|---|---|
| Gross Pay | $75,000.00 |
| Maryland Standard Deduction | -$2,550.00 |
| Personal Exemption | -$3,200.00 |
| Maryland Taxable Income | $69,250.00 |
| Federal Income Tax | -$7,670.00 |
| FICA Tax (Social Security & Medicare) | -$5,737.50 |
| Maryland State Income Tax | -$3,236.88 |
| Montgomery County Tax (3.20%) | -$2,216.00 |
| Net Take-Home Pay | $56,139.62 |
What makes Maryland W-2 taxation different?
2026 Maryland local income tax rates and what they cost at $75,000
| County | 2026 rate | County tax on $75,000 | Net take-home |
|---|---|---|---|
| Worcester | 2.25% | $1,558 | $56,798 |
| Talbot | 2.40% | $1,662 | $56,694 |
| Garrett | 2.65% | $1,835 | $56,521 |
| Cecil | 2.74% | $1,897 | $56,458 |
| Washington | 2.95% | $2,043 | $56,313 |
| Carroll, Charles | 3.03% | $2,098 | $56,257 |
| Harford | 3.06% | $2,119 | $56,237 |
| Allegany, Baltimore County, Baltimore City, Calvert, Caroline, Howard, Montgomery, Prince George's, Queen Anne's, St. Mary's, Somerset, Wicomico | 3.20% | $2,216 | $56,140 |
| Dorchester, Kent | 3.30% | $2,285 | $56,070 |
Anne Arundel and Frederick use graduated local rates rather than a single flat rate, so their number depends on your income level. The spread is $727 a year. Same salary, same job, Worcester versus Dorchester.
What changed for 2026
Allegany went from 3.03% to 3.20%. Kent went from 3.20% to 3.30%. If your January check looked different and nothing else changed, that's why.
Relocating from or to Maryland?
Where you owe if you work from home
Maryland withholds local tax based on your county of residence, not your employer's location. Commute from Worcester County into Baltimore City and you pay Worcester's 2.25%. Tell your employer your correct home county. If they withhold on the wrong one, you'll settle it on your return, but your checks will be wrong all year.
Frequently Asked Questions
Which Maryland county has the lowest income tax?
Worcester County at 2.25% for 2026. Talbot is next at 2.40%. On a $75,000 salary, living in Worcester rather than a 3.30% county saves about $727 a year.
What is the highest Maryland county income tax rate?
Dorchester and Kent at 3.30% for 2026, both authorized above the usual 3.20% ceiling by special local legislation. Twelve jurisdictions including Montgomery, Howard, Prince George's and Baltimore City sit at 3.20%.
Do I pay Maryland county tax where I live or where I work?
Where you live. Maryland local income tax follows your county of residence as of December 31, not your employer's location.
Did any Maryland county rates change in 2026?
Yes. Allegany rose from 3.03% to 3.20%, and Kent rose from 3.20% to 3.30%.
- Federal baseline calculations: IRS Revenue Procedure 2025-32.
- FICA caps and limits: Social Security Administration (2026).
- State tax rates: Tax Foundation Individual Income Tax Rates (2026).
- Median household income: U.S. Census Bureau ACS (2024).
- Cost of Living Index: MERIC Cost of Living Data Series (2025).
Plan your Maryland Budget: The Paycheck Split™
The Paycheck Split™
Divide your take-home pay to plan your budget (Essentials, Lifestyle, Financial Goals).