How to Calculate Your Maryland Paycheck
Calculating your take-home pay in Maryland requires accounting for a progressive state income tax system alongside a mandatory local county tax (often called a "piggyback tax"), on top of standard federal withholdings.
- Federal & FICA = Federal Income Tax + Social Security (6.2%) + Medicare (1.45%).
- MD State Tax = Progressive rates from 2.00% to 5.75% based on your taxable income.
- County Tax = A local tax required by all 23 Maryland counties and Baltimore City, ranging from 2.25% to 3.20%.
Note: This calculator uses simplified tax brackets and standard deductions to estimate your liability. Your exact withholdings may vary based on your Maryland MW507 form and pre-tax deductions (like 401k or healthcare).
Because every single county in Maryland levies its own local income tax, your net pay will change depending on where you live. For example, living in Baltimore City (3.20%) will result in slightly less take-home pay than living in Worcester County (2.25%) with the exact same salary.
| Deduction Type | Tax Rate | Structure |
|---|---|---|
| Maryland State Tax | 2.00% to 5.75% | Progressive Brackets |
| Maryland County Tax | 2.25% to 3.20% | Flat Rate by County |
| FICA (Social Security) | 6.20% | Flat (Up to annual wage cap) |
| Federal Income Tax | 10% to 37% | Progressive Brackets |
Frequently Asked Questions
What is the Maryland state income tax rate?
Maryland has a progressive income tax system. For most middle-income earners, the state tax rate falls in the 4.75% bracket. The lowest bracket starts at 2.0% for the first $1,000 of taxable income, and the highest bracket reaches 5.75% for top earners.
Why is county tax deducted from my paycheck?
Maryland is unique in that it mandates a local "piggyback" income tax for every county and Baltimore City. This tax is collected alongside your state income taxes to fund local jurisdictions and services. The rate is based on where you live, not where you work.
Does Maryland have a standard deduction?
Yes. Instead of a flat standard deduction like the federal government, Maryland's standard deduction is calculated as 15% of your Maryland Adjusted Gross Income (AGI), bounded by minimum and maximum limits based on your filing status.