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Maryland Take-Home Pay Calculator: 2026 State + County Tax

Maryland's state brackets run 2% to 6.5% — but every county adds its own income tax of 2.25% to 3.2% on top, pushing real combined rates toward 8%–9%. Estimate the state portion of your 2026 take-home pay below.

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$

Net annual pay

$74,604

Net monthly pay

$6,217

Net biweekly pay

$2,869

Tax breakdown

CategoryAmount% of income
Federal Income Tax$13,17013.2%
Social Security$6,2006.2%
Medicare$1,4501.5%
State Income Tax$4,5764.6%
Total tax$25,39625.4%

Effective tax rate: 25.4%. Marginal federal rate: 22.0%. Marginal state rate: 4.8% in Maryland.

Where your money goes

Estimates for informational purposes only — not tax advice. Excludes pre-tax contributions, credits, and local income taxes.

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See how Maryland's take-home pay ranks against another state.

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Example: take-home pay on common salaries in Maryland

Single filer, 2026 standard deduction, no pre-tax contributions or credits. Computed by the same engine as the calculator above.

Gross salary Federal tax FICA Maryland tax Net annual pay Effective rate
$75,000 $7,670 $5,738 $3,389 $58,204 22.4%
$100,000 $13,170 $7,650 $4,576 $74,604 25.4%

How Maryland taxes your income in 2026

Maryland's state brackets climb from 2% to 5.75% at $250,000 of taxable income, with two new brackets added in 2025: 6.25% above $500,000 and 6.5% above $1 million ($600,000 / $1.2 million for joint filers). The state standard deduction is small — $2,550 single / $5,150 joint. On top of the state tax, all 23 Maryland counties plus Baltimore City levy a local income tax of 2.25% to 3.2% of taxable income; Montgomery County and Baltimore City are at the 3.2% top.

New taxes on high earners in 2025–2026

Maryland's 2025 budget added more than brackets: a 2% surtax on capital gains for filers with income above $350,000, and a new 3% tax on data and IT services. Social Security benefits remain fully exempt, and residents 65+ can subtract up to $34,300 of pension income (indexed annually). For most wage earners, though, the county piggyback tax is the biggest Maryland-specific factor in take-home pay.

What this calculator includes (and excludes)

This estimate covers federal income tax, FICA, and Maryland STATE income tax using the 2026 brackets (including the new top brackets). It does not include county income taxes — which add roughly 2.25%–3.2% — the capital-gains surtax, pension subtractions, itemized deductions, or credits. Your actual Maryland tax will be noticeably higher than the state figure shown once your county's rate is applied. Figures are estimates, not tax advice.

Frequently asked questions

What is the Maryland income tax rate in 2026? ▼
State brackets run 2% to 5.75%, plus new 2025 brackets of 6.25% (over $500,000) and 6.5% (over $1 million). Every county adds another 2.25%–3.2%, so most residents pay a combined rate between about 4.75% and 8.95%.
Does Maryland really have county income taxes? ▼
Yes — Maryland is one of the few states where every county levies its own income tax (the 'piggyback tax'), from 2.25% in Worcester and other lower-rate counties to 3.2% in Montgomery County and Baltimore City. This calculator shows the state tax only.
Does Maryland tax Social Security benefits? ▼
No. Social Security benefits are fully exempt from Maryland income tax, and residents 65 and older can subtract a significant amount of pension income (indexed annually).
How much is $75,000 after taxes in Maryland? ▼
A single filer earning $75,000 pays roughly $3,389 in Maryland STATE income tax and takes home about $58,204 per year after federal tax, FICA, and state tax — before county tax, which adds roughly $1,400–$2,000 depending on your county. See the example table above.
What's new for Maryland taxes in 2026? ▼
The 2025 budget created two new top brackets (6.25% and 6.5%), a 2% capital-gains surtax on income over $350,000, and a 3% tax on data/IT services. Middle-income brackets and rates were unchanged.

Data sources

Reviewed by the PayFigi research team. Last verified: 2026-07-27. These figures are estimates for informational purposes only and are not tax advice; consult a tax professional for advice specific to your situation.