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Maryland Paycheck Calculator

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Use SmartAsset's paycheck calculator to calculate your take home pay per paycheck for both salary and hourly jobs after taking into account federal, state, and local taxes.

Overview of Maryland Taxes

Maryland has a progressive income tax system with rates that range from 2% to 5.75%. That top rate is slightly below the U.S. average. All Maryland counties and the city of Baltimore levy additional income taxes.

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Your estimated -- take home pay:
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Gross Paycheck $--
Taxes --% $--
Federal Income --% $--
State Income --% $--
Local Income --% $--
FICA and State Insurance Taxes --% $--
Social Security --% $--
Medicare --% $--
State Disability Insurance Tax --% $--
State Unemployment Insurance Tax --% $--
State Family Leave Insurance Tax --% $--
State Workers Compensation Insurance Tax --% $--
Pre-Tax Deductions --% $--
Post-Tax Deductions --% $--
Take Home Salary --% $--
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  • Our Tax Expert

    Jennifer Mansfield, CPA Tax

    Jennifer Mansfield, CPA, JD/LLM-Tax, is a Certified Public Accountant with more than 30 years of experience providing tax advice. SmartAsset’s tax expert has a degree in Accounting and Business/Management from the University of Wyoming, as well as both a Masters in Tax Laws and a Juris Doctorate from Georgetown University Law Center. Jennifer has mostly worked in public accounting firms, including Ernst & Young and Deloitte. She is passionate about helping provide people and businesses with valuable accounting and tax advice to allow them to prosper financially. Jennifer lives in Arizona and was recently named to the Greater Tucson Leadership Program.

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Maryland Paycheck Quick Facts
  • Maryland income tax rate: 2% - 5.75%
  • Median household income: $78,916 (U.S. Census Bureau)
  • Number of cities with local income taxes: 1, plus every Maryland county

How Your Maryland Paycheck Works

If you look at your pay stubs, you’ll notice that not all of your salary goes into your bank account on payday. Some of it is withheld for FICA taxes, income taxes and other deductions and contributions. Every pay period, 6.2% of your earnings goes toward Social Security taxes and 1.45% goes toward Medicare taxes. Together, these taxes are called FICA taxes and your employer matches the amount you pay in FICA taxes. Those contributions help Social Security and Medicare stay afloat. Earnings above $200,000 are subject to a 0.9% Medicare surtax that your employer does not match.

Your employer also deducts money from your paycheck to cover your federal income taxes. Instead of paying your income taxes all at once in April, you pay in smaller installments throughout the year.

Just how much your employer withholds from each paycheck depends on the information you provide on your W-4 form. This form is where you declare your marital status and claim allowances. The more allowances you claim, the less money your employer will withhold from your paychecks. If you have too much withheld, you won’t receive that money during the year but you’ll have a lower tax bill in April (or a bigger refund). If you have too little money withheld, you’ll owe the IRS.

Withholding calculations changed for the 2018 tax year because of the tax plan that President Trump signed into law in December 2017. You should have seen changes to your paycheck in early 2018. If haven’t checked your W-4 since then, it’s a good idea to look it over and ensure the information is correct.

Anyone who is married or has more than one job should be careful to claim the correct number of allowances. In both instances, you can’t claim the same allowances with two different employers. You should split your allowances between your two employers or claim all allowances with one and none with the other.

FICA taxes and income taxes aren’t the only things that can be taken out of your earnings. If you pay anything for health insurance, life insurance or disability insurance premiums through your employer, you’ll see those monthly contributions taken out of your earnings. The same goes for contributions to retirement accounts or commuter benefits.

The more frequent your paychecks, the smaller they’ll be, assuming your wage or salary is constant. That makes it easier to budget your money. If you get paid monthly you’ll have to be extra careful that you don’t run out of money before the month is out.

Maryland Median Household Income

YearMedian Household Income
2017$78,916
2016$76,067
2015$74,551
2014$73,971
2013$72,483
2012$71,122
2011$70,004
2010$68,854
2009$69,272
2008$70,545

In Maryland, your employer will withhold money for your state and local income taxes, too. Maryland has a progressive state income tax system with eight tax brackets. On top of the state income taxes, every Maryland county and the city of Baltimore charge their own income tax. You can pay the relevant local income taxes on your Maryland state income tax return. There is no separate tax form for county or city income taxes. Local rates range from 1.75% to 3.2%. The local tax rate you’ll pay in Maryland is based on where you live, not where you work.

If you’re not a resident of Maryland but you have a Maryland income source, you may or may not owe Maryland taxes. It depends on whether your state of residence has a reciprocal agreement with Maryland, and on the type of income you earn in Maryland. If your Maryland earnings are subject to income taxes, your employer will withhold that money from your paychecks, at the special nonresident rate of 1.75%.

Income Tax Brackets

Single Filers
Maryland Taxable IncomeRate
$0 - $1,0002.00%
$1,000 - $2,0003.00%
$2,000 - $3,0004.00%
$3,000 - $100,0004.75%
$100,000 - $125,0005.00%
$125,000 - $150,0005.25%
$150,000 - $250,0005.50%
$250,000+5.75%
Married, Filing Jointly
Maryland Taxable IncomeRate
$0 - $1,0002.00%
$1,000 - $2,0003.00%
$2,000 - $3,0004.00%
$3,000 - $150,0004.75%
$150,000 - $175,0005.00%
$175,000 - $225,0005.25%
$225,000 - $300,0005.50%
$300,000+5.75%
Married, Filing Separately
Maryland Taxable IncomeRate
$0 - $1,0002.00%
$1,000 - $2,0003.00%
$2,000 - $3,0004.00%
$3,000 - $100,0004.75%
$100,000 - $125,0005.00%
$125,000 - $150,0005.25%
$150,000 - $250,0005.50%
$250,000+5.75%
Head of Household
Maryland Taxable IncomeRate
$0 - $1,0002.00%
$1,000 - $2,0003.00%
$2,000 - $3,0004.00%
$3,000 - $150,0004.75%
$150,000 - $175,0005.00%
$175,000 - $225,0005.25%
$225,000 - $300,0005.50%
$300,000+5.75%

Local Income Taxes

CountyRate
Allegany3.05%
Anne Arundel2.50%
Baltimore (city)3.20%
Baltimore (county)2.83%
Calvert3.00%
Caroline2.73%
Carroll3.03%
Cecil3.00%
Charles3.03%
Dorchester2.62%
Frederick2.96%
Garrett2.65%
Harford3.06%
Howard3.20%
Kent2.85%
Montgomery3.20%
Prince George's3.20%
Queen Anne's3.20%
St. Mary's3.00%
Somerset3.20%
Talbot2.40%
Washington2.80%
Wicomico3.20%
Worcester1.75%
Nonresidents1.75%

How You Can Affect Your Maryland Paycheck

The most straightforward way to change your paycheck is to change the number of allowances on your W-4. To do this you simply need to fill out a new W-4 and give it to your employer. You don’t have to wait until January or the new tax year to make this change. The same goes for Form MW507, where you claim exemptions and authorize withholding for Maryland state income taxes. On both forms you can claim more or fewer allowances/exemptions and, by doing so, tweak the size of your paycheck.

If you think you’ll owe a lot at tax time and would rather increase your paycheck withholding rather than get a big bill in the spring, you can request an additional dollar amount of withholding on both forms. This can be useful if you have an income source outside of your job that could leave you with a big tax bill in April.

In Maryland, supplemental wages (like bonuses and commissions) are subject to withholding and taxation at normal state income tax rates - unlike in some states, which tax supplemental wages at a lower rate.

If you are relocating to Maryland, take a look at our Maryland mortgage rates guide, where you’ll find the details necessary to make a more informed decision.

Another useful way to change the size of your paycheck is to make pre-tax contributions. This is money that comes out of your paycheck before income taxes are removed. The result is that it lowers how much of you pay is actually subject to taxes. Accounts that take pre-tax money include 401(k) and 403(b) plans. So if your employer offers one of these retirement accounts, it’s a great way to save for your future while also lowering your income taxes in the present. You can also put pre-tax money into select medical accounts like health savings accounts (HSAa) and flexible spending accounts (FSAs). Just keep in mind that you can only roll over $500 in an FSA. That means if you don’t use your money by the end of the year, you risk losing it.

Maryland Top Income Tax Rate

YearTop Income Tax Rate
20185.75%
20175.75%
20165.75%
20155.75%
20145.75%
20135.75%
20125.75%
20115.50%
20106.25%
20096.25%
20085.75%
20074.75%
20064.75%

Most Paycheck Friendly Places

SmartAsset's interactive map highlights the most paycheck friendly counties across the country. Zoom between states and the national map to see data points for each region, or look specifically at one of the four factors driving our analysis: Semi-Monthly Paycheck, Purchasing Power, Unemployment Rate, and Income Growth.

Worse
Better
Rank County Semi-Monthly Paycheck Purchasing Power Unemployment Rate Income Growth

Methodology Our study aims to find the most paycheck friendly places in the country. These are places in the country with favorable economic conditions where you get to keep more of the money you make. To find these places we considered four different factors: semi-monthly paycheck, purchasing power, unemployment rate and income growth.

First, we calculated the semi-monthly paycheck for a single individual with two personal allowances. We applied relevant deductions and exemptions before calculating income tax withholding. To better compare withholding across counties we assumed a $50,000 annual income. We then indexed the paycheck amount for each county to reflect the counties with the lowest withholding burden.

We then created a purchasing power index for each county. This reflects the counties with the highest ratio of household income to cost of living. We also created an unemployment rate index that shows the counties with the lowest unemployment. For income growth, we calculated the annual growth in median income over five years for each county and indexed the results.

Finally, we calculated the weighted average of the indices to yield an overall paycheck friendliness score. We used a one half weighting for semi-monthly paycheck and a one-sixth weighting for purchasing power, unemployment rate and income growth. We indexed the final number so higher values reflect the most paycheck friendly places.

Sources: SmartAsset, government websites, US Census Bureau 2017 5-Year American Community Survey, MIT Living Wage Study, Bureau of Labor Statistics