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Maryland standard deduction applied: 15% of income, min $1,600 max $2,400 (single).
Maryland Income Tax Rates and How Your Paycheck Is Calculated
Maryland has one of the more complex paycheck calculations in the US because it combines a progressive state income tax with a county-level income tax that varies across all 24 jurisdictions. Understanding how each component is calculated helps you plan your budget and optimize your withholding.
Federal tax ≈ $497 | SS = $310 | Medicare = $72.50 | MD state ≈ $228 | County = $160
Take-home ≈ $3,732/month (74.6% of gross)
Maryland State Income Tax Brackets 2026
| Taxable Income (Single) | Rate |
|---|---|
| $0 – $1,000 | 2.00% |
| $1,001 – $2,000 | 3.00% |
| $2,001 – $3,000 | 4.00% |
| $3,001 – $100,000 | 4.75% |
| $100,001 – $125,000 | 5.00% |
| $125,001 – $150,000 | 5.25% |
| $150,001 – $250,000 | 5.50% |
| Over $250,000 | 5.75% |
Maryland County Tax Rates 2026
| County / City | Local Tax Rate |
|---|---|
| Baltimore City, Prince George's, Montgomery | 3.20% |
| Baltimore County | 3.10% |
| Howard County | 3.05% |
| Anne Arundel County | 3.00% |
| Frederick County | 2.83% |
| Harford, Carroll Counties | 2.80% |
| Worcester, Somerset, Dorchester, Kent | 2.25% |
Maryland has progressive rates from 2% to 5.75%. The 4.75% rate applies to most middle-income earners ($3,001–$100,000). The top 5.75% rate applies to income over $250,000 for single filers.
Yes. All 24 Maryland counties and Baltimore City charge local income tax ranging from 2.25% (Worcester County) to 3.20% (Baltimore City, Prince George's, Montgomery). You pay the county where you live.
A typical Maryland employee earning $60,000/year has approximately 22–28% withheld: federal income tax (~12%), Social Security (6.2%), Medicare (1.45%), MD state tax (~4.75%), and county tax (~2.5–3.2%).
Maryland's standard deduction is 15% of gross income, minimum $1,600 and maximum $2,400 for single filers. For married filing jointly the maximum is $4,800 — much smaller than the federal deduction.
No. Maryland does not tax Social Security benefits. However, it does tax most other retirement income, though residents 65+ receive up to a $36,200 pension exclusion.
Nonresidents working in Maryland pay a flat 1.75% nonresident tax instead of county tax. They still owe state income tax at the regular progressive rates.
Maryland publishes updated withholding tables annually. Always use the current year Form MW507 when updating your withholding with your employer.
Form MW507 is Maryland's Employee's Withholding Exemption Certificate — the state equivalent of the federal W-4. It tells your employer how much Maryland state and county tax to withhold.
Yes. The combination of state tax (up to 5.75%) and county tax (up to 3.2%) means residents can pay up to 8.95% in combined state and local income taxes — among the highest in the nation.
Start with gross pay. Subtract pre-tax deductions. Apply federal tax, Social Security (6.2%), Medicare (1.45%), Maryland state tax (2–5.75%), and your county tax (2.25–3.2%). The result is your net take-home pay.