Maryland Paycheck Calculator (2026)
Last updated: 2026-10-07 · Maryland figures checked against official sources on 2026-10-07
Maryland withholds 2% – 6.5% state income tax in 2026 using its own formula and your Form MW507, plus local income taxes in some cities or counties. On a $50,000 salary paid every two weeks, a single employee keeps about $1,496.35 per check: $146.92 federal, $147.11 Social Security and Medicare, $132.70 Maryland income tax come out of $1,923.08.
Year-to-date, employer size and gross-up
For the $184,500 wage base and the $200,000 Additional Medicare threshold.
Sets state paid-leave shares (e.g. DE, CO, ME).
Enter a take-home amount to solve for gross pay.
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Paycheck breakdown · 2026 · Maryland
| Item | This check | Year |
|---|---|---|
| Salary | $1,923.08 | $50,000 |
| Gross pay | $1,923.08 | $50,000 |
| − Federal income tax | −$146.92 | −$3,820 |
| − Social Security (6.2%) | −$119.23 | −$3,100 |
| − Medicare (1.45%) | −$27.88 | −$725 |
| − Maryland income taxState formula | −$132.70 | −$3,450 |
| Net pay | $1,496.35 | $38,905 |
How federal withholding was figured (Pub. 15-T Worksheet 1A)
| 1a | Taxable wages this pay period | $1,923.08 |
| 1b | Pay periods per year | 26 |
| 1c | Annualized wages | $50,000.08 |
| 1d | Step 4(a) other income | $0.00 |
| 1f | Step 4(b) deductions | $0.00 |
| 1g | Standard adjustment ($12,900 MFJ / $8,600 other) | $8,600.00 |
| 2a | Adjusted Annual Wage Amount | $41,400.08 |
| 2b–2d | Row: at least $19,900 → $1,240.00 + 12% of the excess (standard single schedule) | |
| 2g | Annual tentative withholding | $3,820.01 |
| 2h | ÷ pay periods | $146.92 |
| 3b | Step 3 credits per period | −$0.00 |
| 4a | Extra withholding (Step 4(c)) | $0.00 |
| 4b | Federal income tax to withhold | $146.92 |
How Maryland withholding was figured
Maryland 2026 withholding guide — state + county percentage method
| Annualized state wages ($1,923.08 × 26) | $50,000.08 |
| Standard deduction $3,400 + 1 exemption(s) × $3,200 | −$6,600.00 |
| Taxable income | $43,400.08 |
| Single table at the 3.20% local rate (Baltimore City) | $3,450.31 |
| Annual withholding ÷ 26 pay periods | $132.70 |
- Includes Baltimore City local tax via the Comptroller's 3.20% table. Maryland's tables ignore its 2%–4.5% low brackets, by law.
What the employer pays on top
| Social Security match (6.2%) | $119.23 |
| Medicare match (1.45%) | $27.88 |
| FUTA (0.6% of the first $7,000) | $11.54 |
| Federal employer taxes this check | $158.65 |
Plus state unemployment, paid-leave employer shares and workers' comp — payroll cost calculator has every state's 2026 rates.
Maryland take-home pay examples (2026)
Paid biweekly, 2026 W-4 with only the filing status, no pre-tax deductions or local tax; Maryland certificate — single: County (residence): Baltimore City; MW507 filing status: Single / married separately; MW507 exemptions: 1; married: County (residence): Baltimore City; MW507 filing status: Married jointly / head of household; MW507 exemptions: 2. Computed with the same engine as the calculator.
| Salary · filing status | Gross / check | Federal | Soc. Sec. + Medicare | Maryland tax | Net / check | Net / year |
|---|---|---|---|---|---|---|
| $50,000 · single | $1,923.08 | $146.92 | $147.11 | $132.70 | $1,496.35 | $38,905 |
| $50,000 · married, one income | $1,923.08 | $68.46 | $147.11 | $122.92 | $1,584.59 | $41,199 |
| $100,000 · single | $3,846.15 | $506.54 | $294.23 | $285.59 | $2,759.79 | $71,755 |
| $100,000 · married, one income | $3,846.15 | $293.85 | $294.23 | $275.80 | $2,982.27 | $77,539 |
Maryland income tax rates for 2026
2026: No state rate or bracket change for 2026: the 2025 Budget Reconciliation and Financing Act (Ch. 604, Acts of 2025) already capped the 5.75% bracket and added 6.25% (single $500,001-$1,000,000 / joint $600,001-$1,200,000) and 6.50% (over $1,000,000 / $1,200,000) brackets effective tax year 2025, replaced the income-based standard deduction with flat indexed amounts ($3,350/$6,700 for 2025 -> $3,400/$6,850 for 2026), added the 7.5%-of-FAGI-over-$200k itemized deduction phase-out and a 2% capital-gains surtax over $350k FAGI. For 2026 the county maximum rose to 3.30%: Allegany 3.03% -> 3.20%, Kent 3.20% -> 3.30% (Dorchester 3.30% since 2025). The 2026 legislative session's Comptroller tax alerts (2026 BRFA) changed only pass-through-entity calculations - no individual rate change for 2026 was found.
Single / married filing separately
| Taxable income | Rate |
|---|---|
| $0 – $1,000 | 2% |
| $1,000 – $2,000 | 3% |
| $2,000 – $3,000 | 4% |
| $3,000 – $100,000 | 4.75% |
| $100,000 – $125,000 | 5% |
| $125,000 – $150,000 | 5.25% |
| $150,000 – $250,000 | 5.5% |
| $250,000 – $500,000 | 5.75% |
| $500,000 – $1,000,000 | 6.25% |
| Over $1,000,000 | 6.5% |
Married filing jointly
| Taxable income | Rate |
|---|---|
| $0 – $1,000 | 2% |
| $1,000 – $2,000 | 3% |
| $2,000 – $3,000 | 4% |
| $3,000 – $150,000 | 4.75% |
| $150,000 – $175,000 | 5% |
| $175,000 – $225,000 | 5.25% |
| $225,000 – $300,000 | 5.5% |
| $300,000 – $600,000 | 5.75% |
| $600,000 – $1,200,000 | 6.25% |
| Over $1,200,000 | 6.5% |
- Standard deduction
- $3,400 single · $6,850 married jointly · $6,850 head of household
- Personal exemption
- $3,200 / $3,200 per dependent deduction
Credits, phase-outs and other Maryland rules
- Maryland taxable net income = Maryland AGI (federal AGI +/- Maryland modifications) - standard deduction (or itemized) - exemptions. State tax uses the schedule above; the separate county/Baltimore City local tax (see locals) is computed on the SAME taxable net income (not on state tax) and must be added.
- Filing-status schedules: Schedule I (single, married filing separately, dependent, fiduciary) and Schedule II (married filing jointly, head of household, qualifying surviving spouse). HOH uses the joint schedule (included as hoh); MFS uses the single schedule and the single standard deduction (mfs key omitted).
- Standard deduction 2026: $3,400 single/MFS/dependent; $6,850 MFJ/HOH/qualifying surviving spouse - flat amounts with no income phase-in (the 15%-of-AGI min/max formula was repealed by the 2025 BRFA, Ch. 604; amounts indexed after 2025). Sources: 2026 Form MW507 and 2026 Employer Withholding Guide ('Standard deduction is $3,400'); the $6,850 joint figure is from the Comptroller's official Estimated Tax Calculator for tax year 2026 (it returned $6,850 for MFJ and HOH and $3,400 for single/MFS/dependent; for TY2025 it returns $6,700). 2025 amounts were $3,350 / $6,700.
- Personal/dependent exemption $3,200 each, phased down by federal AGI. Single/MFS: FAGI <= $100,000 -> $3,200; $100,001-$125,000 -> $1,600; $125,001-$150,000 -> $800; over $150,000 -> $0. Joint/HOH/qualifying surviving spouse: <= $150,000 -> $3,200; $150,001-$175,000 -> $1,600; $175,001-$200,000 -> $800; over $200,000 -> $0. Additional $1,000 exemption for taxpayer and/or spouse age 65+ or blind; an extra exemption for each dependent age 65+ (Form MW507 worksheet).
- Itemized deduction phase-out (TY2025+): itemized deductions reduced by 7.5% of federal AGI over $200,000 ($100,000 MFS). Maryland itemizing requires federal-style itemization rules; state and local income taxes are excluded.
- Additional 2% tax on net capital gains for taxpayers with federal AGI over $350,000 (TY2025+; primary residence sold for < $1.5M excluded) - not relevant to wages.
- Example check (official calculator, TY2026, single, $50,000 income, 0 exemptions, Howard County 3.20%): taxable net income $46,600; state tax $2,161.00 (= $90 + 4.75% x 43,600); local tax $1,491.20.
- Credits not modeled by a wage-only approximation: Maryland EITC (refundable portion), poverty level credit, child tax credit, credit for tax paid to other states (e.g., MD residents working in Delaware).
All 51 jurisdictions side by side: 2026 state income tax rates.
How Maryland withholding works
Employee form: Form MW507 (Employee's Maryland Withholding Exemption Certificate), 2026
Employer guide: 2026 Maryland Employer Withholding Guide (Comptroller of Maryland, revised December 2025) - percentage method tables by local rate
Maryland's own certificate (MW507 exemptions), not the federal W-4. Percentage method (guide p.6 and each table page): taxable wages for the period - standard deduction allowance (annual $3,400, used for BOTH single and joint tables; weekly $65.38, biweekly $130.76, semimonthly $141.66, monthly $283.33, quarterly $850, daily $9.31) - (number of MW507 exemptions x $3,200 annual; weekly $61.54, biweekly $123.08, semimonthly $133.33, monthly $266.67, quarterly $800, daily $8.77) = taxable income; then apply the combined state+local percentage table for the employee's county of residence (tables computed at local rates 2.25, 2.40, 2.65, 2.75, 2.85, 3.00, 3.05, 3.10, 3.20, 3.30% - use the one equal to or just above the actual county rate) and filing status (JOINT table for MFJ/HOH/QSS; SINGLE table for single/MFS/dependent). Table rates are the state marginal rates ignoring all brackets below 4.75% (4.75/5.00/5.25/5.50/5.75/6.25/6.50%) plus the local rate, e.g. annual Single at 3.20% local: 7.95% to $100,000; $7,950 + 8.20% over $100,000; $10,000 + 8.45% over $125,000; $12,112.50 + 8.70% over $150,000; $20,812.50 + 8.95% over $250,000; $43,187.50 + 9.45% over $500,000; $90,437.50 + 9.70% over $1,000,000. Nonresidents use the 2.25% table (special nonresident tax). No MW507 -> withhold as if 1 exemption. Do not withhold if gross wages are below $5,000/yr ($96 weekly). Bonus lump sums: 6.50% + county's local rate (e.g. 9.70% for 3.20%). Full constants in WH_FORMULAS_A.MD.
Other deductions from a Maryland paycheck
Maryland has no employee-paid state disability, paid-leave or unemployment premium in 2026, so after income taxes the only required deductions are Social Security (6.2% up to $184,500) and Medicare (1.45%, plus 0.9% above $200,000).
Local income taxes in Maryland
- Maryland county/Baltimore City local income tax (all 24 jurisdictions) — 2.25% to 3.3%. Every Maryland resident pays a local income tax to their county (or Baltimore City) of residence on Maryland taxable net income, collected on the state return and withheld by employers together with state tax. 2026 rates range 2.25% (Worcester) to 3.30% (Dorchester, Kent). The 2025 BRFA (Ch. 604, Acts of 2025) raised the statutory maximum county rate from 3.20% to 3.30% for tax years beginning after Dec 31, 2025 (Dorchester was allowed to apply 3.30% retroactively to 2025). For 2026 only Allegany (3.03% -> 3.20%) and Kent (3.20% -> 3.30%) changed. Source
- Allegany County — 3.2% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Increased from 3.03% (2025). Source
- Anne Arundel County. Graduated MARGINAL local rates on Maryland taxable net income (unchanged from 2025): Single/MFS/dependent 2.70% on $1-$50,000, 2.94% on $50,001-$400,000, 3.20% over $400,000; MFJ/HOH/qualifying surviving spouse 2.70% on $1-$75,000, 2.94% on $75,001-$480,000, 3.20% over $480,000. Marginal application confirmed with the Comptroller's official 2026 estimated tax calculator (single, taxable net income $53,400 -> local tax $1,449.96 = 2.70% x 50,000 + 2.94% x 3,400). For withholding the Comptroller maps these to its 2.75%, 3.00% and 3.20% percentage-method tables. Source
- Baltimore City — 3.2% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Baltimore County — 3.2% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Calvert County — 3.2% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Caroline County — 3.2% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Carroll County — 3.03% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Cecil County — 2.74% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Charles County — 3.03% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Dorchester County — 3.3% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Raised to the new 3.30% maximum retroactively for tax year 2025. Source
- Frederick County — 2.25% to 3.2%. Income-tiered rate that is NOT marginal: the single rate for the tier the taxpayer's total Maryland taxable net income falls in applies to ALL of it. Single/MFS/dependent: 2.25% if taxable net income $1-$25,000; 2.75% if $25,001-$50,000; 2.96% if $50,001-$150,000; 3.20% if $150,001 or more. MFJ/HOH/qualifying surviving spouse: 2.25% if $1-$25,000; 2.75% if $25,001-$100,000; 2.96% if $100,001-$250,000; 3.20% if $250,001 or more. Whole-income application confirmed with the Comptroller's official 2026 estimated tax calculator (single, taxable net income $53,400 -> local tax $1,580.64 = 2.96% x 53,400). Unchanged from 2025. Source
- Garrett County — 2.65% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Harford County — 3.06% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Howard County — 3.2% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Kent County — 3.3% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Increased from 3.20% (2025) to the new 3.30% maximum. Source
- Montgomery County — 3.2% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Prince George's County — 3.2% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Queen Anne's County — 3.2% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- St. Mary's County — 3.2% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Somerset County — 3.2% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Talbot County — 2.4% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Washington County — 2.95% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Wicomico County — 3.2% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Worcester County — 2.25% resident. Tax year 2026 local income tax rate, applied to Maryland taxable net income (residents only; based on county of residence on Dec 31). Source
- Special nonresident tax (in lieu of local tax) — 2.25% nonresident. Nonresidents with Maryland-source wages (from non-reciprocal states) pay no county tax but pay an additional state 'special nonresident tax' equal to the lowest county rate, 2.25% for 2026, on Maryland taxable net income; employers withhold it via the 2.25% percentage-method table. Residents of DC, Pennsylvania, Virginia and West Virginia are covered by reciprocity (Form MW507 lines 4-7). Source
Maryland paycheck FAQ
How much is $50,000 a year after taxes in Maryland?
About $38,905 a year — $1,496.35 per biweekly paycheck — for a single filer with a basic 2026 W-4 and no pre-tax deductions: $146.92 federal income tax, $147.11 Social Security and Medicare, $132.70 Maryland income tax per check. A married couple filing jointly on one $50,000 income keeps about $41,199 ($1,584.59 per check).
How much is $100,000 a year after taxes in Maryland?
About $71,755 for a single filer ($2,759.79 per biweekly check) and $77,539 for a married couple with one income ($2,982.27 per check); Maryland income tax takes $7,425 and $7,171 of that respectively. Add 401(k), health or HSA deductions in the calculator to see your exact number.
What is the Maryland income tax rate for 2026?
10 brackets from 2% – 6.5%, after a standard deduction of $3,400 single / $6,850 joint and a personal exemption ($3,200 / $3,200 per dependent deduction). No state rate or bracket change for 2026: the 2025 Budget Reconciliation and Financing Act (Ch.
Which form controls Maryland withholding?
Your Form MW507 (Employee's Maryland Withholding Exemption Certificate), 2026. Employers apply 2026 Maryland Employer Withholding Guide (Comptroller of Maryland, revised December 2025) - percentage method tables by local rate. Changing your federal W-4 does not change your Maryland withholding.
Are there local income taxes in Maryland?
Yes: Maryland county/Baltimore City local income tax (all 24 jurisdictions) (2.25%–3.3%); Allegany County (3.2% resident); Anne Arundel County; Baltimore City (3.2% resident); Baltimore County (3.2% resident); Calvert County (3.2% resident); and more listed on this page. Pick yours under “Local income tax” in the calculator — the county tax is built into the state line.
What else comes out of a Maryland paycheck besides income tax?
Only Social Security (6.2% of wages up to $184,500) and Medicare (1.45%, plus 0.9% over $200,000) — Maryland has no employee-paid state disability, paid-leave or unemployment premium in 2026 — and any benefits you elect.
How are bonuses withheld in Maryland?
Federal: a flat 22% or the aggregate method (37% above $1 million). Maryland: Bonus lump sums: 6.
Does Maryland tax 401(k) contributions or health premiums?
Maryland follows the federal treatment for wage withholding: traditional 401(k)/403(b)/457(b) deferrals and cafeteria-plan items (health premiums, HSA, FSA) reduce the wages Maryland taxes.
More for Maryland employers and employees
Official Sources
Figures checked against these sources on 2026-10-07- Comptroller of Maryland, 2026 Maryland Employer Withholding Guide (rev. Dec 2025) - percentage method, standard deduction $3,400, exemption $3,200, tables pp.10-42
- Comptroller of Maryland, Maryland Withholding Tax Facts Jan-Dec 2026 - Tax Rate Schedules I & II and all 2026 county rates
- Comptroller of Maryland Tax Alert (rev. Dec 22, 2025): Changes to Standard and Itemized Deductions and to State and Local Income Tax Rates from the 2025 Legislative Session (Ch. 604, Acts of 2025)
- Comptroller of Maryland KB0010014, Maryland Income Tax Rates and Brackets (2025/2026 local rate table and percentage-method table links)
- Comptroller of Maryland, 2026 Form MW507 (standard deduction $3,400; exemption phase-out table)
- Comptroller of Maryland Central Payroll Bureau, Payroll Changes Effective January 1, 2026 (rate schedules unchanged; exemption $3,200 and FAGI limitation table; $1,000 age 65/blind)
- Comptroller of Maryland, official Estimated Maryland and Local Tax Calculator (tax year 2026 option) - shows 2026 standard deduction $6,850 MFJ/HOH, $3,400 single/MFS/dependent; used to confirm Anne Arundel (marginal) vs Frederick (whole-income) local methods
- Comptroller of Maryland Tax Alerts index (2026 alerts: PTE estimated payments; nonresident real property withholding 8.75%) - no individual rate change for 2026
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — federal withholding
- IRS Publication 15 (2026), Employer's Tax Guide — FICA
Paycheck calculators for other states
- Alabama
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- South Dakotano tax
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- Washingtonno tax
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Estimates only, not tax or payroll advice. Check results against your pay stub.