Maryland Paycheck Calculator

Maryland is unique: every paycheck combines a graduated state tax with a local income tax set by your county of residence, from Worcester's 2.25% up to Baltimore City, Montgomery, and 20 other counties at 3.20%. Two counties, Anne Arundel and Frederick, even tier their local rate by income.

Pay type

Annual salary

Pay frequency

State

Federal filing status (W-4 Step 1)

Multiple jobs or spouse works (W-4 Step 2 checkbox)Check if you hold more than one job or file jointly and your spouse also works.

Maryland county of residence

County income tax uses your county of residence, not where you work.

MW507 exemptions

W-4 Steps 3–4: dependents, other income, deductions

Dependents credit (Step 3, annual)

$2,000 per qualifying child under 17.

Other income (Step 4a, annual)

Deductions beyond standard (Step 4b, annual)

Extra withholding (Step 4c, per paycheck)

Benefits & deductions (per paycheck)

Your age

Only used to check 401(k)/HSA catch-up contribution limits — optional.

Traditional 401(k)

HSA contribution

HSA coverage type

Family coverage has a higher IRS contribution limit.

Health FSA

Health insurance premiums

Post-tax deductions

Roth 401(k), garnishments, and other after-tax amounts.

Estimated take-home pay

$2,150per biweekly paycheck

$55,900 per year ·

Take-home 74.5%Federal 10.2%FICA 7.7%State 7.6%

In a no-income-tax state like Texas, the same pay would take home about $5,692 more per year.

Maryland withholding combines a graduated state tax (the withholding formula runs 4.75% to 6.5%, skipping the 2%/3%/4% brackets that only apply to the first $3,000 of taxable income, per the Comptroller's statutory simplification) with the employee's county-of-residence local income tax on the same taxable wages, after a flat $3,400/yr standard deduction and $3,200/yr per Form MW507 exemption. Local rates are flat for 22 of the 23 counties plus Baltimore City, but Anne Arundel and Frederick counties use their own tiered local rates by income and filing status (both switched to graduated local rates in 2025). No tax is withheld when gross wages for the pay period fall below the Comptroller's stated minimum. Nonresident employees use a separate flat nonresident rate, not modeled here.

How Maryland taxes your paycheck in 2026

State tax: 4.75%–6.5% graduated (2026)
Local tax: 2.25%–3.30% depending on county
Standard deduction: $3,400/yr + $3,200/yr per exemption

2026 Maryland withholding rate schedule (single, annual)

Rendered from the same data file the calculator computes with.

Taxable income	Rate
$0 – $100,000	4.75%
$100,000 – $125,000	5%
$125,000 – $150,000	5.25%
$150,000 – $250,000	5.5%
$250,000 – $500,000	5.75%
$500,000 – $1,000,000	6.25%
Over $1,000,000	6.5%

Maryland paycheck FAQs

Which Maryland county has the lowest local tax rate?

Worcester County, at 2.25%. Most counties, including Baltimore City, Montgomery, and Howard, charge the maximum 3.20%.

Do Anne Arundel and Frederick counties really have different local tax rates?

Yes — since 2025 both counties tier their local rate by income and filing status instead of charging one flat rate, ranging from 2.25%-2.70% up to 3.20% as income rises.

Is Maryland's local tax the same as a city tax?

It's a county-level 'piggyback' tax administered by the state alongside the state income tax, not a separate city filing — Baltimore City is treated as its own jurisdiction at 3.20%.

Tax data verified 2026-07-21 against the official source. See our methodology.