Maryland paycheck: key takeaways
- Take-home: $58,394 a year ($2,245.91 biweekly) on a $75,000 salary — you keep 77.9% of your gross pay.
- Where it goes: $16,606 in taxes and payroll programs: $7,670 federal income tax, $5,738 Social Security and Medicare, $3,199 Maryland income tax.
- Next dollar: taxed at about 34.4% — a $5,000 raise adds $3,280 to take-home.
- Ranking: #38 of 51 for take-home pay at $75,000, and #44 once cost of living is included.
- Wage rules: minimum wage $15.00/hour; biweekly or semi-monthly; Form MW507.
Take-home 77.9% · Federal tax 10.2% · Social Security 6.2% · Medicare 1.5% · Maryland tax 4.3%
Maryland paycheck at a glance
- 2%–6.5%Maryland state income tax on wages
- $58,394Take-home on $75,000 (single)
- 34.4%Combined tax on your next dollar
- #44 of 51After adjusting for cost of living
- $15.00/hrMaryland minimum wage (July 2026)
- 6.00%Combined sales tax (state + average local)
- $102,905Median household income (2024)
- Form MW507State withholding form
Maryland take-home pay by salary (2026)
The table below shows what a single filer takes home in Maryland at common salaries, paid every two weeks with no pre-tax deductions. Click a salary for its dedicated Maryland breakdown, or change any input in the calculator above to match your own situation.
| Salary | Take-home / year | Per month | Biweekly | Tax rate |
|---|---|---|---|---|
| $30,000 | $25,224 | $2,102 | $970.14 | 15.9% |
| $40,000 | $32,784 | $2,732 | $1,260.91 | 18.0% |
| $50,000 | $40,344 | $3,362 | $1,551.68 | 19.3% |
| $60,000 | $47,904 | $3,992 | $1,842.45 | 20.2% |
| $75,000 | $58,394 | $4,866 | $2,245.91 | 22.1% |
| $100,000 | $74,794 | $6,233 | $2,876.68 | 25.2% |
| $150,000 | $106,875 | $8,906 | $4,110.57 | 28.8% |
The bars show the share of gross pay you keep. As income rises, federal brackets and Maryland's higher state brackets pull that share down gradually — from 84.1% at $30,000 to 71.2% at $150,000.
Maryland salary ladder: $20,000 to $250,000
Filing status changes the result a lot. This ladder shows annual take-home pay in Maryland for a single filer, a married couple filing jointly on one income, and a head of household — from part-time earnings to high-income salaries.
| Gross salary | Single | Married (joint) | Head of household | Single: biweekly | Single: tax rate |
|---|---|---|---|---|---|
| $20,000 | $17,494 | $18,195 | $17,884 | $672.83 | 12.5% |
| $25,000 | $21,374 | $22,575 | $22,179 | $822.06 | 14.5% |
| $30,000 | $25,224 | $26,955 | $26,059 | $970.14 | 15.9% |
| $35,000 | $29,004 | $31,055 | $29,939 | $1,115.52 | 17.1% |
| $40,000 | $32,784 | $34,935 | $33,819 | $1,260.91 | 18.0% |
| $45,000 | $36,564 | $38,815 | $37,636 | $1,406.29 | 18.7% |
| $50,000 | $40,344 | $42,695 | $41,416 | $1,551.68 | 19.3% |
| $55,000 | $44,124 | $46,575 | $45,196 | $1,697.06 | 19.8% |
| $60,000 | $47,904 | $50,395 | $48,976 | $1,842.45 | 20.2% |
| $65,000 | $51,684 | $54,175 | $52,756 | $1,987.83 | 20.5% |
| $70,000 | $55,114 | $57,955 | $56,536 | $2,119.75 | 21.3% |
| $75,000 | $58,394 | $61,735 | $60,316 | $2,245.91 | 22.1% |
| $80,000 | $61,674 | $65,515 | $64,096 | $2,372.06 | 22.9% |
| $90,000 | $68,234 | $73,075 | $71,656 | $2,624.37 | 24.2% |
| $100,000 | $74,794 | $80,635 | $78,376 | $2,876.68 | 25.2% |
| $110,000 | $81,345 | $88,195 | $84,927 | $3,128.65 | 26.1% |
| $125,000 | $91,084 | $99,535 | $94,730 | $3,503.21 | 27.1% |
| $150,000 | $106,875 | $116,735 | $110,618 | $4,110.57 | 28.8% |
| $175,000 | $122,604 | $133,105 | $126,347 | $4,715.53 | 29.9% |
| $200,000 | $139,277 | $150,374 | $143,020 | $5,356.82 | 30.4% |
| $250,000 | $170,782 | $185,416 | $175,167 | $6,568.55 | 31.7% |
Effective and marginal rates diverge as pay rises. Effective rate is total tax divided by gross pay; marginal rate is the tax on your next dollar:
| Salary | Effective rate | Marginal rate (next $1) |
|---|---|---|
| $30,000 | 15.9% | 24.4% |
| $50,000 | 19.3% | 24.4% |
| $75,000 | 22.1% | 34.4% |
| $100,000 | 25.2% | 34.4% |
| $150,000 | 28.8% | 36.9% |
| $250,000 | 31.7% | 39.8% |
How the tax is calculated: a $75,000 worked example
Here is the full arithmetic for a single filer earning $75,000 in Maryland, so you can follow every dollar. Federal income tax is progressive: the standard deduction of $16,100 is subtracted first, leaving $58,900 of taxable income, and each slice is taxed at its own rate.
| Federal bracket | Income in bracket | Rate | Tax |
|---|---|---|---|
| $0 – $12,400 | $12,400 | 10% | $1,240 |
| $12,400 – $50,400 | $38,000 | 12% | $4,560 |
| $50,400 – $105,700 | $8,500 | 22% | $1,870 |
| Federal income tax | $7,670 |
IRS Publication 15-T withholding gives the same annual figure ($7,670) for a standard W-4. Next come the payroll taxes: Social Security at 6.2% of wages up to $184,500 ($4,650) and Medicare at 1.45% ($1,088).
Then Maryland: subtract the $3,350 standard deduction and the $3,200 personal exemption, which leaves $68,450 of Maryland taxable income.
| Maryland bracket | Income in bracket | Rate | Tax |
|---|---|---|---|
| $0 – $1,000 | $1,000 | 2% | $20 |
| $1,000 – $2,000 | $1,000 | 3% | $30 |
| $2,000 – $3,000 | $1,000 | 4% | $40 |
| $3,000 – $100,000 | $65,450 | 4.75% | $3,109 |
| Maryland income tax | $3,199 |
Adding it all up: $7,670 federal + $5,738 FICA + $3,199 Maryland = $16,606 in total, so $58,394 is left — the same result as the calculator.
Maryland income tax rates and brackets for 2026
Maryland uses graduated brackets from 2% to 6.5%. The standard deduction is $3,350 for single filers and $6,700 for married couples filing jointly. The personal exemption is $3,200 ($6,400 for couples) and $3,200 per dependent. At $75,000, your next dollar of Maryland income is taxed at 4.8%.
Every Maryland county and Baltimore City levies a local income tax (2.25%–3.3%) on top of the state tax.
Single filers
| Taxable income over | Rate |
|---|---|
| $0 | 2% |
| $1,000 | 3% |
| $2,000 | 4% |
| $3,000 | 4.75% |
| $100,000 | 5% |
| $125,000 | 5.25% |
| $150,000 | 5.5% |
| $250,000 | 5.75% |
| $500,000 | 6.25% |
| $1,000,000 | 6.5% |
Married filing jointly
| Taxable income over | Rate |
|---|---|
| $0 | 2% |
| $1,000 | 3% |
| $2,000 | 4% |
| $3,000 | 4.75% |
| $150,000 | 5% |
| $175,000 | 5.25% |
| $225,000 | 5.5% |
| $300,000 | 5.75% |
| $600,000 | 6.25% |
| $1,200,000 | 6.5% |
Federal brackets, the standard deduction and FICA are covered in our 2026 federal tax bracket guide.
Other Maryland paycheck deductions: payroll programs and local taxes
Local income taxes
Some Maryland cities and counties add their own income or earnings tax on top of state tax. Choose yours in the calculator; if it is not listed, enter the rate manually.
- Allegany County: 3.2%
- Baltimore County: 3.2%
- Calvert County: 3.2%
- Caroline County: 3.2%
- Carroll County: 3.03%
- Cecil County: 2.74%
- Charles County: 3.03%
- Dorchester County: 3.3%
- Garrett County: 2.65%
- Harford County: 3.06%
- Howard County: 3.2%
- Kent County: 3.3%
- Montgomery County: 3.2%
- Prince George's County: 3.2%
- Queen Anne's County: 3.2%
- St. Mary's County: 3.2%
- Somerset County: 3.2%
- Talbot County: 2.4%
- Washington County: 2.95%
- Wicomico County: 3.2%
- Worcester County: 2.25%
- Baltimore City: 3.2%
- Anne Arundel County: 2.7% – 3.2% (tiered)
- Frederick County: 2.25% – 3.2% (tiered)
Reading your Maryland pay stub
Every deduction on a Maryland pay stub maps to a line in the calculator. Abbreviations vary by payroll provider, so here are the labels you are likely to see and what each one is:
| Deduction | Common stub labels |
|---|---|
| Federal income tax | FIT · FITW · FED W/H |
| Social Security | OASDI · SOC SEC · FICA-SS |
| Medicare | MED · MEDICARE · FICA-MED |
| Maryland income tax | MD SIT · MD W/H · MD-PIT |
Pre-tax deductions such as a traditional 401(k), HSA or health premium appear above the tax lines and lower your taxable wages. Our pre-tax deductions guide explains which taxes each one reduces.
Maryland hourly wage to take-home pay
Working 40 hours a week for 52 weeks, a single filer in Maryland takes home these amounts in 2026. The last column is your real hourly wage after tax.
| Hourly wage | Gross / year | Take-home / year | Weekly take-home | After-tax hourly |
|---|---|---|---|---|
| $15.00 | $31,200 | $26,131 | $502.52 | $12.56 |
| $20.00 | $41,600 | $33,993 | $653.72 | $16.34 |
| $25.00 | $52,000 | $41,856 | $804.92 | $20.12 |
| $30.00 | $62,400 | $49,718 | $956.12 | $23.90 |
| $40.00 | $83,200 | $63,773 | $1,226.40 | $30.66 |
| $50.00 | $104,000 | $77,418 | $1,488.80 | $37.22 |
Overtime in Maryland: a $20/hour example
Overtime is paid at 1.5× for hours over 40 a week under federal law. Extra pay is taxed at your marginal rate, so overtime is worth less after tax than it looks:
| Overtime hours / week | Gross / year | Take-home / year | Weekly take-home | Kept from overtime |
|---|---|---|---|---|
| 0 hours | $41,600 | $33,993 | $653.72 | — |
| 5 hours | $49,400 | $39,890 | $767.12 | 75.6% |
| 10 hours | $57,200 | $45,787 | $880.52 | 75.6% |
| 15 hours | $65,000 | $51,684 | $993.92 | 75.6% |
Federal law also allows a deduction for qualified overtime pay through 2028, claimed when you file your return rather than reflected in paycheck withholding — see our overtime tax guide.
Maryland paycheck by pay frequency
Annual take-home is the same however often you are paid, but each check is different. For a $75,000 salary in Maryland (biweekly or semi-monthly is what state law requires or permits):
| Pay frequency | Checks / year | Gross per check | Take-home per check |
|---|---|---|---|
| Weekly | 52 | $1,442.31 | $1,122.95 |
| Every 2 weeks | 26 | $2,884.62 | $2,245.91 |
| Twice a month | 24 | $3,125.00 | $2,433.07 |
| Monthly | 12 | $6,250.00 | $4,866.14 |
Ways to keep more of your Maryland paycheck
Traditional 401(k) contributions
A traditional 401(k) lowers your federal and state taxable wages, so each dollar you save costs less than a dollar of take-home. On a $75,000 salary in Maryland:
| Contribution | Amount / year | Take-home drops by | Tax saved | Take-home / year |
|---|---|---|---|---|
| None | $0 | $0 | $0 | $58,394 |
| 3% | $2,250 | $1,648 | $602 | $56,746 |
| 6% | $4,500 | $3,296 | $1,204 | $55,097 |
| 10% | $7,500 | $5,494 | $2,006 | $52,900 |
| 15% | $11,250 | $8,516 | $2,734 | $49,878 |
Children and dependents
Each qualifying child under 17 lowers federal withholding by the $2,200 child tax credit if you enter it on your W-4, and Maryland also gives a $3,200 dependent exemption. Effect on a $75,000 single-filer paycheck:
| Children | Take-home / year | Biweekly |
|---|---|---|
| 0 | $58,394 | $2,245.91 |
| 1 | $60,746 | $2,336.37 |
| 2 | $63,098 | $2,426.83 |
| 3 | $65,450 | $2,517.29 |
Raises: how much you actually keep
| Current salary | Raise | Gross raise | Added take-home | You keep |
|---|---|---|---|---|
| $40,000 | 3% | $1,200 | $907 | 75.6% |
| $40,000 | 5% | $2,000 | $1,512 | 75.6% |
| $40,000 | 10% | $4,000 | $3,024 | 75.6% |
| $60,000 | 3% | $1,800 | $1,361 | 75.6% |
| $60,000 | 5% | $3,000 | $2,268 | 75.6% |
| $60,000 | 10% | $6,000 | $4,536 | 75.6% |
| $75,000 | 3% | $2,250 | $1,476 | 65.6% |
| $75,000 | 5% | $3,750 | $2,460 | 65.6% |
| $75,000 | 10% | $7,500 | $4,920 | 65.6% |
| $100,000 | 3% | $3,000 | $1,968 | 65.6% |
| $100,000 | 5% | $5,000 | $3,280 | 65.6% |
| $100,000 | 10% | $10,000 | $6,551 | 65.5% |
Compared with a no-income-tax state: the same $75,000 salary would take home about $3,199 more per year in Texas than in Maryland, before considering sales tax, property tax and cost of living.
Check your W-4. Entering dependents lowers withholding; ticking the multiple-jobs box or adding extra withholding raises it. Read our W-4 guide, then test changes in the calculator's advanced options.
Maryland minimum wage in 2026
The Maryland minimum wage is $15.00 per hour as of July 1, 2026. Someone working full time (2,080 hours) at that rate earns about $31,200 a year and takes home roughly $26,131, or $1,005.03 every two weeks, after federal, FICA and state taxes.
That is $2,178 a month. For comparison, the median Maryland household earned $102,905 in 2024, so a single full-time minimum-wage paycheck covers about 30.3% of the state median household income before tax.
Maryland pay rules, withholding forms and reciprocity
Pay frequency: Biweekly or semi-monthly.
Withholding form: Form MW507 — give it to your employer along with the federal W-4 when you start a job or your situation changes. Official guidance comes from the Comptroller of Maryland.
Maryland income, sales tax and cost of living
The median household in Maryland earned $102,905 in 2024 (Census ACS), so a $75,000 salary is 27% below the state median. Prices matter as much as pay: Maryland's overall price level is 105.0 against a national 100 — about 5% more expensive than average (BEA regional price parity, 2024).
Adjusting for that, the $58,394 you take home on $75,000 buys what $55,635 would buy at the national average price level — #44 of 51 for cost-of-living-adjusted take-home, compared with #38 before adjusting for prices.
Maryland's state sales tax is 6.00% (Tax Foundation, July 1, 2026). Combine the 4.8% state income tax rate on your next dollar with this sales tax rate to see how Maryland taxes what you earn and what you spend.
Maryland vs neighboring states
Living or working near a border? Here is take-home pay on a $75,000 salary (single filer) in the states that touch Maryland, compared with Maryland's $58,394.
| # | Neighbor | State income tax | Take-home / year | vs Maryland |
|---|---|---|---|---|
| 1 | Pennsylvania | 3.07% flat | $59,290 | +$896 |
| 2 | West Virginia | 2.11%–4.58% | $59,047 | +$653 |
| 3 | District of Columbia | 4%–10.75% | $58,164 | −$230 |
| 4 | Virginia | 2%–5.75% | $58,094 | −$300 |
| 5 | Delaware | 2.2%–6.6% | $57,684 | −$710 |
Because Maryland has reciprocity agreements with District of Columbia, Pennsylvania, Virginia, West Virginia, commuters from those states usually pay income tax only to the state where they live.
How Maryland compares with other states
At $75,000, a single filer in Maryland keeps $58,394 a year — #38 of 51 and $611 less than the median state. States with similar take-home pay:
Maryland salary after tax
- $30,000 after tax in Maryland
- $35,000 after tax in Maryland
- $40,000 after tax in Maryland
- $45,000 after tax in Maryland
- $50,000 after tax in Maryland
- $55,000 after tax in Maryland
- $60,000 after tax in Maryland
- $65,000 after tax in Maryland
- $70,000 after tax in Maryland
- $75,000 after tax in Maryland
- $80,000 after tax in Maryland
- $85,000 after tax in Maryland
- $90,000 after tax in Maryland
- $100,000 after tax in Maryland
- $120,000 after tax in Maryland
- $150,000 after tax in Maryland
Maryland paycheck FAQ
Does Maryland have a state income tax?
Yes. Maryland uses a graduated system with rates from 2% up to 6.5% in 2026.
How much is take-home pay on $60,000 a year in Maryland?
A single filer earning $60,000 takes home about $47,904 per year, or $1,842.45 biweekly, in 2026 (effective tax rate 20.2%).
How much is take-home pay on $100,000 a year in Maryland?
A single filer earning $100,000 takes home about $74,794 a year, or $2,876.68 biweekly, in 2026.
What is the Maryland minimum wage in 2026?
Maryland's minimum wage is $15.00 an hour (rates as of July 1, 2026). A full-time worker at that rate earns about $31,200 a year and takes home roughly $26,131.
Where does Maryland rank for take-home pay?
At a $75,000 salary (single filer), Maryland ranks #38 of 51 jurisdictions for take-home pay — $611 below the median state. After adjusting for cost of living it ranks #44.
What is the marginal tax rate in Maryland at $75,000?
Counting federal income tax, FICA and state income tax, the next dollar you earn at $75,000 is taxed at about 34.4%. Of that, 22% is your federal bracket and 4.8% is Maryland income tax.
How often do employers in Maryland have to pay you?
Biweekly or semi-monthly. Check with your employer or the state labor department for the details that apply to your job.
Which state withholding form do I fill out in Maryland?
Form MW507. Your employer uses it, together with the federal W-4, to set your state withholding.
What is the sales tax in Maryland?
Maryland's state sales tax is 6.00% and the average local rate adds 0.00%, for a combined average of 6.00% as of July 1, 2026.
How does a 401(k) change my Maryland paycheck?
Contributing $6,000 to a traditional 401(k) on a $75,000 salary lowers annual take-home by $4,395 and reduces your tax bill by about $1,605.
How much does a raise add to take-home pay in Maryland?
A $5,000 raise at $75,000 adds about $3,280 to annual take-home — you keep 65.6% of it after tax.
Do cities or counties in Maryland charge income tax?
Some do. The calculator includes 24 local options for Maryland, and you can enter any other local rate manually.
Can I live in one state and work in Maryland?
Maryland has income tax reciprocity with District of Columbia, Pennsylvania, Virginia, West Virginia. Residents of those states can usually ask their employer to skip Maryland withholding and pay tax only to their home state.
Sources & methodology
Federal withholding follows IRS Publication 15-T (2026); see our methodology and editorial policy. Figures reviewed September 29, 2026. Results are estimates, not tax advice — see the disclaimer.
- Comptroller of Maryland — Withholding Tax Facts, Jan 2026
- Tax Foundation — 2026 State Income Tax Rates and Brackets (as of Jan 1, 2026)
- U.S. Department of Labor — State minimum wage laws (rates effective July 1, 2026)
- U.S. Department of Labor — State payday requirements
- TEAM Companies — State tax withholding forms (accurate as of Jan 20, 2026)
- Tax Foundation — State and Local Sales Tax Rates, Midyear 2026 (as of July 1, 2026)
- U.S. Census Bureau — Household Income in States and Metropolitan Areas: 2024 (ACS 1-year, ACSBR-025)
- U.S. Bureau of Economic Analysis — Regional Price Parities by State and Metro Area
- FRED (St. Louis Fed) — BEA 2024 Regional Price Parities by state, data table
- State tax reciprocity agreements (2026)