Maryland Paycheck Calculator 2026
Calculate your exact Maryland take-home pay after federal income tax, Maryland state tax, your county’s local “piggyback” tax (2.25%–3.30%), and FICA. Choose your county below — or run the full paycheck calculator for any salary, filing status, and pre-tax deductions.
Maryland local income tax rates (2026)2.25% – 3.30%Varies by county of residence — affects every Maryland paycheck
Calculate your exact paycheckHow Maryland paycheck taxes work
Every Maryland paycheck is reduced by four layers of tax before it reaches your bank account. Understanding each layer helps you predict your real take-home pay.
- 1. Federal Income TaxProgressive: 10%–37% on federal taxable income after the $16,100 standard deduction (single, 2026).
- 2. Maryland State TaxProgressive: 2%–6.5% on Maryland taxable income after the $3,350 standard deduction (single, 2026).
- 3. County Piggyback TaxFlat 2.25%–3.30% based on your county of residence — applied to your Maryland taxable income, not gross pay.
- 4. FICA6.2% Social Security (on the first $184,500) + 1.45% Medicare on all wages. Your employer matches both.
Maryland paycheck calculator by county
Pick your county to see a full take-home breakdown by salary. Sorted by local income tax rate (highest to lowest).
- Baltimore City3.30% local tax →
- Dorchester County3.30% local tax →
- Kent County3.30% local tax →
- Montgomery County3.30% local tax →
- Allegany County3.20% local tax →
- Baltimore County County3.20% local tax →
- Caroline County3.20% local tax →
- Howard County3.20% local tax →
- Prince George's County3.20% local tax →
- Queen Anne's County3.20% local tax →
- Wicomico County3.20% local tax →
- Harford County3.10% local tax →
- Carroll County3.05% local tax →
- Charles County3.03% local tax →
- Calvert County3.00% local tax →
- Cecil County3.00% local tax →
- St. Mary's County3.00% local tax →
- Washington County3.00% local tax →
- Anne Arundel County2.80% local tax →
- Garrett County2.65% local tax →
- Frederick County2.60% local tax →
- Talbot County2.40% local tax →
- Somerset County2.25% local tax →
- Worcester County2.25% local tax →
2026 Maryland county tax rates at a glance
All 24 Maryland jurisdictions and their local income tax rates for 2026. Your rate is based on where you live, not where you work.
| County / City | Local rate (2026) | Calculator |
|---|---|---|
| Baltimore City | 3.30% | Calculate → |
| Dorchester County | 3.30% | Calculate → |
| Kent County | 3.30% | Calculate → |
| Montgomery County | 3.30% | Calculate → |
| Allegany County | 3.20% | Calculate → |
| Baltimore County County | 3.20% | Calculate → |
| Caroline County | 3.20% | Calculate → |
| Howard County | 3.20% | Calculate → |
| Prince George's County | 3.20% | Calculate → |
| Queen Anne's County | 3.20% | Calculate → |
| Wicomico County | 3.20% | Calculate → |
| Harford County | 3.10% | Calculate → |
| Carroll County | 3.05% | Calculate → |
| Charles County | 3.03% | Calculate → |
| Calvert County | 3.00% | Calculate → |
| Cecil County | 3.00% | Calculate → |
| St. Mary's County | 3.00% | Calculate → |
| Washington County | 3.00% | Calculate → |
| Anne Arundel County | 2.80% | Calculate → |
| Garrett County | 2.65% | Calculate → |
| Frederick County | 2.60% | Calculate → |
| Talbot County | 2.40% | Calculate → |
| Somerset County | 2.25% | Calculate → |
| Worcester County | 2.25% | Calculate → |
More Maryland pay calculators
- Salary CalculatorAnnual salary → exact take-home for any county and filing status
- Hourly Paycheck CalculatorHourly rate + hours/week → real after-tax pay per check
- Overtime Pay CalculatorTime-and-a-half overtime rate → net take-home paycheck
- Bonus Tax CalculatorSee how much of your Maryland bonus you actually keep
- Salary to Hourly ConverterConvert any Maryland pay rate across all pay periods
- Self-Employment Tax Calculator1099 net profit → SE tax, income tax, quarterly estimates
Frequently asked questions
- How do I use the Maryland paycheck calculator?
- Enter your gross salary or hourly wage, select your pay frequency (weekly, bi-weekly, semi-monthly, or monthly), choose your filing status, and pick your Maryland county. The calculator instantly shows your take-home pay per paycheck and annually after all four tax layers: federal income tax, Maryland state income tax, your county's local piggyback tax, and FICA (Social Security and Medicare).
- What is the county piggyback tax in Maryland?
- Maryland's county piggyback tax is a local income tax collected by each of the state's 24 jurisdictions (23 counties plus Baltimore City). It ranges from 2.25% (Somerset and Worcester counties) to 3.30% (Baltimore City, Montgomery, Kent, and Dorchester counties). It is applied to the same Maryland taxable income base used for state tax — meaning it is calculated after your Maryland standard deduction.
- How much is taken out of my paycheck in Maryland?
- For most Maryland workers, expect 25%–40% of gross pay to be withheld. The exact amount depends on your filing status, county, and pre-tax deductions. A single filer earning $75,000 in Montgomery County (3.30% local rate) typically keeps about 73% of their gross pay. A single filer in Worcester County (2.25% local rate) on the same salary keeps about 74%. Federal income tax is the largest deduction, followed by FICA (7.65%), then Maryland state tax, then the county piggyback tax.
- Which Maryland county has the lowest taxes?
- Somerset and Worcester counties both charge the lowest local income tax rate in Maryland at 2.25%. Talbot County (2.40%) and Frederick County (2.60%) are the next lowest. On a $100,000 salary, living in Somerset vs. Montgomery County (3.30%) saves approximately $1,050 per year in county taxes alone.
- How is the Maryland paycheck calculator different from ADP or SmartAsset?
- Our Maryland paycheck calculator is built exclusively for Maryland — it uses the exact 2026 Maryland standard deductions ($3,350 single / $6,700 joint), all 24 county-specific piggyback tax rates, and the updated federal brackets from IRS Rev. Proc. 2025-32. General calculators may use statewide averages or outdated county rates. Our calculator also includes the 2026 Social Security wage base ($184,500) and the Additional Medicare Tax on wages over $200,000.
- Do I pay paycheck taxes based on where I work or where I live in Maryland?
- Maryland county taxes are based on your county of residence — where you live — not where your office is located. This is why your employer asks for your home address on Form MW507. If you live in Montgomery County (3.30% rate) but work in Frederick County (2.60% rate), you pay Montgomery County's higher local rate. This creates significant differences for workers who commute across county lines.
- What is the Maryland standard deduction for 2026?
- For 2026, Maryland's standard deduction is $3,350 for single filers and $6,700 for married couples filing jointly. The proposed 2026 bill (HB 411) to increase the standard deduction to $4,100/$8,200 failed to pass, meaning the standard deductions remain at $3,350/$6,700. This deduction reduces the income subject to both state and county tax. The federal standard deduction is separate: $16,100 for single filers and $32,200 for married filing jointly in 2026.
- Can this calculator handle hourly wages?
- Yes. Switch the 'How are you paid?' toggle to Hourly, enter your hourly rate and the number of hours worked per week. The calculator converts your hourly wage to an annual equivalent, then applies all four Maryland tax layers to show your per-paycheck and annual take-home pay. You can also use our dedicated Maryland Hourly Paycheck Calculator for additional options including overtime.