Your Pay Details
Your Take-Home Pay
| Gross Pay | $0 |
| Federal Income Tax | –$0 |
| Social Security (6.2%) | –$0 |
| Medicare (1.45%) | –$0 |
| Maryland State Tax | –$0 |
| Take-Home Pay | $0 |
| ⚠ Local & City Income Tax may apply | |
County Income Taxes in Maryland
Every county in Maryland — all 23 counties plus Baltimore City — levies a local income tax. Like Indiana, Maryland's local taxes are fully administered by the state and automatically included in your Maryland tax withholding, so they're completely seamless for residents.
Rates range from 2.25% in some counties to 3.2% in others. Howard County, Montgomery County, and Baltimore City are all at the high end at 3.2%. Prince George's County and Anne Arundel County charge 3.2% and 2.81% respectively.
Because Maryland county taxes are collected as part of the standard state return, the effective state tax rate for Maryland residents is always higher than the state brackets alone suggest. The calculator on this page reflects Maryland state brackets but does not include your specific county's rate.
How Your Maryland Paycheck Works
Maryland has a graduated income tax from 2% to 5.75%. Maryland counties and Baltimore City also levy local income taxes ranging from 2.25% to 3.2% on top of the state tax. This calculator shows state tax only — add roughly 2.5–3% for your county tax.
Federal Income Tax
Calculated using 2025 federal brackets from 10% to 37%, applied to taxable income after the standard deduction.
Social Security
6.2% of gross pay up to $176,100. Funds the Social Security retirement and disability program.
Medicare
1.45% of all gross pay. High earners over $200K pay an additional 0.9% surtax.
Maryland State Tax
Maryland uses 8 brackets from 2% to 5.75%. Maryland counties and Baltimore City also levy local income taxes (2.25%–3.2%) — this calculator shows state tax only.
2025 Maryland State Tax Brackets
Here are the Maryland income tax brackets for single filers in 2025, applied after the state standard deduction or personal exemption.
| Rate | Single — Taxable Income |
|---|---|
| 2.00% | $0 – $1,000 |
| 3.00% | $1,000 – $2,000 |
| 4.00% | $2,000 – $3,000 |
| 4.75% | $3,000 – $100,000 |
| 5.00% | $100,000 – $125,000 |
| 5.25% | $125,000 – $150,000 |
| 5.50% | $150,000 – $250,000 |
| 5.75% | $250,000 – No limit |
Major Cities in Maryland
Whether you live in Baltimore, Frederick, or anywhere else in Maryland, state tax rates apply uniformly — your city does not change your paycheck calculation. Local taxes and cost of living vary by city, as shown below.
* Population from U.S. Census estimates. Home prices and rent are 2023–2024 estimates. Local income tax applies to residents unless noted.
Frequently Asked Questions
What is Maryland's state income tax rate?
Maryland has 8 graduated brackets from 2% to 5.75%. In addition, all Maryland counties and Baltimore City levy local income taxes ranging from 2.25% to 3.2%. This means most Maryland workers pay a combined state+local rate of 7.5%–8.95%.
How much of my paycheck goes to taxes in Maryland?
A single filer earning $55,000/year in Maryland pays roughly 4.5% in state income tax plus 2.25%–3.2% in county tax. Combined with federal taxes and FICA, total deductions typically run 28–33% of gross pay.
What is FICA and how much is it?
FICA covers Social Security (6.2% up to $176,100) and Medicare (1.45% with no cap). Together that is 7.65% of gross pay, paid by every US worker regardless of state.
How do pre-tax deductions like a 401(k) reduce my taxes?
Pre-tax deductions reduce both your federal and state taxable income. A $5,000 annual 401(k) contribution can save $600–$1,100 in federal taxes plus additional state tax savings depending on your bracket.
How accurate is this calculator?
This calculator uses 2025 federal and state tax brackets. Results are estimates — your actual paycheck may vary based on W-4 elections, employer deductions, and local taxes not included here.