Maryland Paycheck Calculator
Where is your money going?
Official Sources & References
This calculator uses data from the following authoritative sources. All tax rates, brackets, and thresholds are verified against official government publications:
- Maryland Dept. of Revenue
- IRS Tax Brackets 2025
- IRS W-4 Tax Withholding Estimator
- SSA 2025 Wage Base Limit
- US Dept. of Labor - Minimum Wage
- IRS Publication 15 (Employer's Tax Guide)
This calculator is for informational purposes only and does not constitute tax advice. Consult a qualified tax professional or the IRS for guidance specific to your situation.
Maryland State Income Tax Rates (2025)
Maryland is one of the few states where both the state AND county levy income taxes. Every Maryland county (and Baltimore City) has its own income tax rate ranging from 2.25% to 3.20%. This means your total Maryland state+local rate can reach nearly 9%.
| Taxable Income | Tax Rate |
|---|---|
| $0 – $1,000 | 2% |
| $1,001 – $2,000 | 3% |
| $2,001 – $3,000 | 4% |
| $3,001 – $100,000 | 4.75% |
| $100,001 – $125,000 | 5% |
| $125,001 – $150,000 | 5.25% |
| $150,001 – $250,000 | 5.5% |
| Over $250,000 | 5.75% |
Maryland's minimum wage is $15.00/hr statewide (2024). Montgomery County and Prince George's County have higher local minimums.
How to Calculate Your Maryland Paycheck
Your Maryland take-home pay is calculated by subtracting the following deductions from your gross pay:
- Federal Income Tax — based on 2025 IRS brackets and your filing status
- Social Security — 6.2% of wages up to $176,100 (2025 wage base)
- Medicare — 1.45% of all wages (plus 0.9% on earnings over $200,000)
- Maryland State Income Tax — calculated using Maryland's 2025 tax brackets
- Local/County Tax — Maryland counties levy a local income tax of 2.25%–3.20% on top of state tax. Montgomery County charges 3.20%, Baltimore City 3.20%, Prince George's County 3.20%.
- Pre-tax deductions — 401(k), HSA, health insurance (reduce taxable income)
Maryland's combined state and county income tax burden is among the highest in the nation. A Baltimore City resident earning $75,000 pays 4.75% in state tax plus 3.20% in city tax — a combined 7.95% before federal taxes. This is why many Maryland workers choose to live in Virginia or Delaware, where tax rates are lower.
This calculator also serves as a Maryland payroll calculator, Maryland salary calculator, Maryland income calculator, and Maryland take home pay calculator. Whether you search for "MD paycheck calculator" or "maryland wage calculator," this tool gives you accurate 2025 results.
Maryland Paycheck Quick Facts (2025)
| State Income Tax | Progressive — 5.75% (8 brackets) |
| Minimum Wage | $15.00 |
| Median Household Income | $98,461 |
| Cost of Living Index | 112.1 (US avg = 100) |
| Local Taxes | County taxes 2.25%–3.2% (all jurisdictions); Baltimore City 3.2% |
| Pay Frequency Law | Semi-monthly required |
What Makes Maryland Paychecks Unique
Maryland uses a progressive system with a top rate of 5.75% across 8 brackets. With a median household income of $98,461 and a cost of living index of 112.1 (where 100 is the national average), your paycheck's purchasing power is below the national average due to higher costs.
- Maryland has 8 state brackets from 2% to 5.75%, plus mandatory county/city piggyback taxes.
- Every Maryland county and Baltimore City levy a local income tax from 2.25% to 3.2% on top of state taxes, making Maryland one of the most complex paycheck states.
- Maryland's standard deduction is 15% of AGI, capped at $2,550 for single filers.