Maryland Salary & Tax Calculator
See what you actually take home in Maryland. This calculator is pre-filled with Maryland's 5.75% top state income tax rate so you can get a fast, realistic estimate.
Maryland's income tax has two layers that matter for your paycheck. The state itself runs a progressive system topping out at a 5.75% marginal rate, which is roughly in line with neighboring Virginia and clearly lower than Washington D.C.'s 10.75% top bracket, but higher than Pennsylvania's flat 3.07% state-only rate. What makes Maryland distinctive is that every one of its counties, plus Baltimore City, adds its own local "piggyback" income tax on top of the state rate — typically somewhere between about 2.25% and 3.2% depending on where you live and work. That means the 5.75% headline state rate understates what many Maryland residents actually pay: in counties near the top of that local range, combined state-plus-local withholding can approach roughly 8.9%-8.95%. This is exactly the kind of "local tax on top" situation to watch for when estimating take-home pay in Maryland — the calculator below is pre-filled with just the 5.75% state rate, so if you know your county's piggyback rate, add it in for a more accurate combined estimate.
*Estimates only, not financial or tax advice. Actual Maryland state, county, and federal taxes depend on filing status, brackets, and credits — consult a tax professional for precise figures.
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Why Maryland's state rate is only half the story once county piggyback tax is included.
How it Works
Strips estimated federal and Maryland state tax, plus common pre-tax deductions, from your gross pay. Add your county's local rate for a fuller picture.
The Formula
Net Pay = Gross Pay − (Federal Tax + Maryland State Tax up to 5.75% + County Piggyback Tax ~2.25%-3.2% + Pre-tax Deductions).
Pro Tip
Always check your specific county's piggyback rate before comparing Maryland job offers — moving between counties, even without a raise, can change your combined tax rate by close to a full percentage point.
Frequently Asked Questions
Does Maryland have a state income tax? +
Yes. Maryland uses a progressive income tax that reaches a top marginal state rate of 5.75% on higher earners. On top of that, every Maryland county and Baltimore City add their own local "piggyback" income tax.
How does Maryland's income tax compare to neighboring states? +
Maryland's 5.75% top state rate is similar to Virginia's top bracket, lower than Washington D.C.'s top rate of 10.75%, and higher than Pennsylvania's flat 3.07% state rate (though Pennsylvania also layers on local wage taxes in many municipalities).
Do Maryland counties add a local income tax on top of the state rate? +
Yes, and this is one of Maryland's defining features. Every county plus Baltimore City levies its own local income tax, generally ranging from about 2.25% to 3.2%, withheld alongside the state tax. In a high-rate county, your combined state-plus-local rate can approach roughly 8.9%-8.95%.
What deductions typically lower a Maryland paycheck? +
Common pre-tax deductions include 401(k)/403(b) contributions, health and dental insurance premiums, and HSA/FSA contributions. These reduce taxable income before federal, state, and local Maryland tax are all calculated.
Is this Maryland salary calculator exact? +
No, it's an estimate. The pre-filled rate reflects only the state's top bracket and does not automatically add your specific county's local piggyback tax, filing status, or credits. Use it for planning, not for filing.