Maryland Income Tax &
Take-Home Pay Calculator (2026)
Maryland has a graduated income tax (2-5.75% + local). On $100K, you keep $75,388 (24.6% effective rate), ranking #24/50 states. Cost-adjusted: #42.
Take-Home Pay Calculator \u2014 Maryland
Pre-filled with Maryland tax rates. Adjust salary and filing status.
Maryland Tax Overview
Maryland uses a graduated income tax system with rates of 2-5.75% + local. Lower income is taxed at lower rates, with the top rate of 5.75% applying to the highest bracket.
Sales Tax in Maryland
Maryland’s sales tax adds to the overall tax burden for residents. When evaluating total taxes, consider income, sales, and property taxes together.
Property Tax in Maryland
Property tax rates in Maryland vary by county and municipality. The overall property tax burden should be considered alongside income taxes when evaluating total cost.
Key Considerations
Maryland’s above-average cost of living (index 112) means higher housing and daily expenses partially offset any tax benefits.
Take-Home Pay at Every Income Level \u2014 Maryland
How does Maryland’s tax burden change as your income rises? With graduated brackets, the effective rate increases at higher incomes as more of your salary falls into higher brackets.
| Gross Salary | Federal Tax | FICA | State Tax | Take-Home | Effective Rate | Monthly |
|---|---|---|---|---|---|---|
| $40K | $2,620 | $3,060 | $1,495 | $32,825 | 17.9% | $2,735 |
| $50K | $3,820 | $3,825 | $1,869 | $40,486 | 19.0% | $3,374 |
| $60K | $5,020 | $4,590 | $2,243 | $48,148 | 19.8% | $4,012 |
| $75K | $7,725 | $5,738 | $2,803 | $58,734 | 21.7% | $4,895 |
| $100K | $13,225 | $7,650 | $3,738 | $75,388 | 24.6% | $6,282 |
| $120K | $17,625 | $9,180 | $4,485 | $88,710 | 26.1% | $7,393 |
| $150K | $24,774 | $11,475 | $5,606 | $108,145 | 27.9% | $9,012 |
| $200K | $36,774 | $14,339 | $7,475 | $141,412 | 29.3% | $11,784 |
Living on Maryland’s Median Income ($82,000)
The median household income in Maryland is $82,000, which translates to $63,397/year ($5,283/month) take-home after all taxes. This is above the national median, reflecting Maryland’s higher cost of living and corresponding wages.
After cost-of-living adjustment, the median income’s purchasing power in Maryland is equivalent to $56,605 in an average-cost area. Higher local costs erode some of the purchasing power.
Where Maryland Ranks (on $100K)
Maryland ranks #24/50 for raw take-home pay and #42/50 for cost-adjusted purchasing power at $100K. The 18-position shift between raw and cost-adjusted ranking reflects the above-average cost of living, which reduces what your take-home actually buys.
At $100K in Maryland, you keep $75,388. The best state (Alaska) gives $79,125, and the worst (California) gives $70,480. Maryland is mid-pack, $3,738 behind the leader.
Income Taxes in Maryland: Complete Guide
Maryland has a graduated income tax structure with rates of 2-5.75% + local. On $100K, you’ll pay approximately $3,738 in state income tax, bringing your total take-home to $75,388 after all federal and state taxes.
Filing as married filing jointly on $100K changes take-home from $75,388 (single) to $80,973 (married). The $5,585 marriage bonus comes from the doubled standard deduction ($32,200 vs $16,100) and wider lower brackets.
Important: Maryland has local income taxes that vary by city or county. Your actual tax depends on where you live — see the city-specific calculators below for exact rates.
City & Local Taxes in Maryland
Maryland has cities that levy their own income tax on top of the state rate. Select a city below to see the exact local tax impact on your paycheck.
Compare with South States
How does Maryland stack up against other states in the South?