Maryland Take-Home Pay Calculator 2026
Quick Answer: In 2026, Maryland has a progressive income tax from 2.00% to 6.50%. On a gross annual salary of $75,000, a single W-2 filer takes home approximately $58,242, while married joint filers take home about $61,431. Use the paycheck calculator below to estimate your exact net earnings.
What is the state tax in Maryland?
Maryland levies a progressive income tax from 2.00% to 6.50% on W-2 wages. Standard deduction shields a portion from tax.
What do you keep on a $75,000 salary?
Single W-2 filers retain about 77.7% of their gross paycheck, leaving $58,242 net.
How does FICA payroll tax apply?
A flat 6.2% is deducted for Social Security (up to $184,500) and 1.45% is deducted for Medicare.
Are OBBBA tax shelters applicable?
Yes. The federal overtime tax deduction helps W-2 earners shield their half-time overtime premiums from income tax.
How Does Maryland Tax Your Paycheck in 2026?
Your net take-home pay depends on federal income tax brackets, FICA payroll taxes, and state income tax codes. Maryland has a progressive income tax from 2.00% to 6.50% on personal wages. Standard deductions for 2026 are set at $3 350 for single W-2 filers and $6 700 for married joint filers, which reduce taxable income before tax brackets apply.
Federally, tax brackets are progressive, ranging from 10% to 37% (Rev. Proc. 2025-32). FICA taxes are also flat, with 6.2% Social Security (up to $184,500) and 1.45% Medicare.
What Are the Maryland Progressive Tax Brackets?
| Bracket Rate | Single Taxable Range |
|---|---|
| 2.00% | $0 to $1,000 |
| 3.00% | $1,000 to $2,000 |
| 4.00% | $2,000 to $3,000 |
| 4.75% | $3,000 to $100,000 |
| 5.00% | $100,000 to $125,000 |
| 5.25% | $125,000 to $150,000 |
| 5.50% | $150,000 to $250,000 |
| 5.75% | $250,000 to $500,000 |
| 6.25% | $500,000 to $1,000,000 |
| 6.50% | Over $1,000,000 |
What Do You Keep: Paycheck Breakdown in Maryland?
The table below outlines how much you keep at different gross annual salaries. These calculations assume a single W-2 filer with a standard deduction and no pre-tax retirement or health insurance contributions:
| Gross Salary | Federal Tax | State Tax | FICA | Take-Home Pay | Effective Rate |
|---|---|---|---|---|---|
| $50,000 | $3,820 | $2,163 | $3,825 | $40,192 | 19.6% |
| $75,000 | $7,670 | $3,351 | $5,738 | $58,242 | 22.3% |
| $100,000 | $13,170 | $4,538 | $7,650 | $74,642 | 25.4% |
| $150,000 | $24,734 | $7,084 | $11,475 | $106,707 | 28.9% |
- Federal tax$13,17013%
- Maryland tax$4,5385%
- FICA$7,6508%
- Take-home$74,64275%
- Gross$100,000
What Maryland-specific taxes affect your paycheck?
Maryland is one of the few states with a county-level local income tax, and this tax is based on where you live, not where you work. Each of the 24 jurisdictions sets its own rate, and the county tax follows your residence even if you commute out of state.
State and local income tax
- State brackets: Maryland uses a graduated income tax running from 2.00% up to 6.50%. The FY2026 budget added two new high brackets: 6.25% (single income $500,000 to $1,000,000) and 6.50% (single income above $1,000,000), above the older 5.75% rate.
- Local (county) tax: For 2026 local rates range from about 2.25% to 3.30%. Baltimore City is treated as its own jurisdiction. Because rates vary by residence, your exact county rate matters as much as the state schedule.
- Nonresidents pay a special nonresident rate of 2.25%; reciprocity agreements exist with DC, Pennsylvania, Virginia, and West Virginia.
Withholding form and employer items
- Employees set their withholding using state form MW507.
- The state unemployment (SUTA) new-employer rate is 2.6% on the first $8,500 of wages.
Wage and income context
Maryland's statewide minimum wage is $15.00 per hour (tipped cash wage $3.63). The state's median household income was roughly $103,678 in the most recent Census estimate, among the highest in the nation. Always verify current figures against the Maryland Comptroller before filing.
How Do You Calculate Your Maryland Paycheck Step-by-Step?
Want to calculate your paycheck manually? Follow this ordered step-by-step list:
- Determine your gross annual wages (or wages per pay period).
- Subtract pre-tax deductions like traditional 401(k) contributions (up to $23,500) and health premiums.
- Subtract your federal standard deduction ($16,100 for single filers, $32,200 for married joint filers) to find your federal taxable income.
- Apply progressive 2026 federal income tax brackets to calculate your federal tax.
- Subtract your state standard deduction (if any) to find state taxable income, and apply the flat rate or progressive brackets of Maryland.
- Compute FICA payroll taxes: 6.2% for Social Security on wages up to $184,500, and 1.45% for Medicare.
- Subtract all calculated taxes and FICA from your gross pay to find your net take-home salary.
How Does the 2026 Federal Deduction Affect Overtime in Maryland?
Under the federal OBBBA overtime tax deduction (valid for tax years 2025 through 2028), the 0.5x premium portion of your time-and-a-half overtime rate is exempt from federal income tax. This deduction is capped at $12,500 for single W-2 filers and $25,000 for married couples filing jointly. You still owe FICA and state income taxes on this premium portion. To calculate your overtime premium tax savings, visit our dedicated No Tax on Overtime Calculator.
How Does Maryland Compare to Neighboring States?
Comparing income taxes across neighboring states helps evaluate job offers and geographical cost advantages: