Calculate Maryland Take-Home Pay by County
Estimate one Maryland paycheck after federal withholding, 2026 state income tax, county or Baltimore City tax, Social Security, Medicare, overtime, benefits, exemptions, and extra withholding.
Maryland Hourly and Salary Paycheck Calculator
Start with the current pay period, then copy federal W-4 and Maryland Form MW507 entries. Maryland residents normally use their county of residence or Baltimore City; some Pennsylvania workers use the Maryland work county, while other nonresidents may use the 2.25% special nonresident tax.
Enter your details and calculate a representative Maryland paycheck.
How the 2026 Maryland Paycheck Estimate Is Built
The calculator models one current check, then annualizes the income-tax portion. It separates Maryland state and local amounts even when a payroll system displays them together as “STATE TAX.”
Why 2%, 3%, and 4% are shown on tax schedules but not used here
Maryland’s individual income-tax schedule includes 2%, 3%, and 4% layers on the first $3,000 of taxable income. The 2026 withholding publication separately states that payroll withholding may not use a rate below 4.75%. For example, a worker using the 2.25% local rate begins the annual percentage table at a combined 7.00%, not 4.25%.
Withholding is not the final tax return
A Maryland return can include itemized deductions, credits, part-year residency, nonresident allocation, capital gains, tax paid to another state, and other adjustments not available from one pay stub. This calculator estimates payroll prepayment, not final tax liability.
See the Same Earnings by Pay Frequency
Biweekly and semimonthly are not interchangeable. Biweekly usually means 26 checks; semimonthly means 24. This live table annualizes the current calculator result for budgeting.
| Planning period | Estimated gross | Estimated take-home | Useful for |
|---|---|---|---|
| Weekly | $0.00 | $0.00 | Hourly cash-flow planning |
| Biweekly | $0.00 | $0.00 | A 26-check employer schedule |
| Semimonthly | $0.00 | $0.00 | Two fixed pay dates each month |
| Monthly | $0.00 | $0.00 | Rent and recurring bills |
| Annualized | $0.00 | $0.00 | Job-offer comparison |
Maryland County Income Tax Rates for 2026
Maryland local income tax is based on Maryland taxable income, not on the amount of state tax. Most residents use the county or Baltimore City recorded as their residence. The official 2026 range is 2.25% to 3.30%; Allegany increased to 3.20% and Kent increased to 3.30% for 2026.
| Jurisdiction | 2026 local rate | What to check |
|---|---|---|
| Allegany | 3.20% | Raised from 3.03% for 2026 |
| Anne Arundel | 2.70% / 2.94% / 3.20% | Graduated brackets by filing status |
| Baltimore City | 3.20% | Baltimore City is treated like a local jurisdiction |
| Baltimore County | 3.20% | Flat local rate |
| Calvert | 3.20% | Flat local rate |
| Caroline | 3.20% | Flat local rate |
| Carroll | 3.03% | Withholding tables may group to next bracket |
| Cecil | 2.74% | Actual local rate |
| Charles | 3.03% | Actual local rate |
| Dorchester | 3.30% | Highest flat 2026 rate |
| Frederick | 2.25% / 2.75% / 2.96% / 3.20% | Rate chosen from taxable-income band |
| Garrett | 2.65% | Flat local rate |
| Harford | 3.06% | Actual local rate |
| Howard | 3.20% | Flat local rate |
| Kent | 3.30% | Raised from 3.20% for 2026 |
| Montgomery | 3.20% | Flat local rate |
| Prince George’s | 3.20% | Flat local rate |
| Queen Anne’s | 3.20% | Flat local rate |
| St. Mary’s | 3.20% | Flat local rate |
| Somerset | 3.20% | Flat local rate |
| Talbot | 2.40% | Flat local rate |
| Washington | 2.95% | Flat local rate |
| Wicomico | 3.20% | Flat local rate |
| Worcester | 2.25% | Lowest flat 2026 rate |
Anne Arundel County graduated local tax
Anne Arundel uses marginal brackets. For single, married-filing-separately, and dependent status, the brackets are 2.70% through $50,000, 2.94% on the next taxable-income layer through $400,000, and 3.20% above $400,000. For married-joint, head-of-household, and qualifying-surviving-spouse status, the breakpoints are $75,000 and $480,000.
Frederick County income-band rate
Frederick selects one local rate from the worker’s taxable-income band and multiplies the annualized Maryland taxable wages by that rate. For single/MFS/dependent status the bands are 2.25% through $25,000, 2.75% through $50,000, 2.96% through $150,000, then 3.20%. For joint/HOH/surviving-spouse status the breakpoints are $25,000, $100,000, and $250,000.
After identifying the rate above, verify the live county list before changing payroll information. Open Maryland’s official state and local rate page.
Maryland State Tax Brackets and the 4.75% Withholding Floor
Maryland’s return-level state schedule still includes 2%, 3%, and 4% layers, and reaches 6.50% for high-income taxpayers. Employer withholding is different: Maryland does not allow payroll to use a state withholding rate below 4.75%, so this calculator begins the state payroll calculation at 4.75%.
| Taxable income layer | Single / MFS / dependent | Joint / HOH / surviving spouse |
|---|---|---|
| First $1,000 | 2.00% | 2.00% |
| $1,001–$2,000 | 3.00% | 3.00% |
| $2,001–$3,000 | 4.00% | 4.00% |
| Main 4.75% bracket | $3,001–$100,000 | $3,001–$150,000 |
| 5.00% | $100,001–$125,000 | $150,001–$175,000 |
| 5.25% | $125,001–$150,000 | $175,001–$225,000 |
| 5.50% | $150,001–$250,000 | $225,001–$300,000 |
| 5.75% | $250,001–$500,000 | $300,001–$600,000 |
| 6.25% | $500,001–$1,000,000 | $600,001–$1,200,000 |
| 6.50% | Over $1,000,000 | Over $1,200,000 |
For payroll verification, use the official 2026 employer guide after reviewing the bracket summary. Open the 2026 Maryland Employer Withholding Guide.
How Form MW507 Changes a Maryland Paycheck
MW507 controls Maryland withholding; federal Form W-4 controls federal withholding. Copying a number from one form to the other is a common source of payroll errors.
| MW507 entry | What it changes | Common mistake |
|---|---|---|
| Filing status | Selects single/MFS/dependent or joint/HOH/surviving-spouse high-income thresholds | Choosing the planned return status instead of the status currently on file with payroll |
| Line 1 exemptions | Subtracts $3,200 per exemption in the 2026 percentage method | Entering federal W-4 credits as Maryland exemptions |
| Line 2 additional withholding | Adds the exact requested Maryland amount to every paycheck | Entering an annual amount instead of a per-paycheck amount |
| Line 3 general exemption | Can stop Maryland withholding when the legal no-liability test is met | Claiming exempt merely because a refund was received |
| Line 4 DC/VA/WV reciprocity | Can stop Maryland wage withholding for a qualifying reciprocal-state resident | Ignoring the Maryland-abode and 183-day condition |
| Lines 5–7 Pennsylvania | Can exempt the state portion while retaining work-county local tax, or exempt both in qualifying cases | Assuming all Pennsylvania residents receive the same local treatment |
| Line 8 military spouse | Can support exemption when federal military-spouse requirements are met | Assuming marriage to a service member alone is sufficient |
When to complete a new MW507
Review the form each year and after a move, marriage, divorce, dependent change, new second job, reciprocity change, or large change in expected income. Workers claiming more than 10 exemptions or certain exemptions may be subject to employer review or forwarding requirements.
After matching the lines above to your situation, download the current form. Open 2026 Maryland Form MW507.
Maryland Nonresident and Reciprocal-State Paychecks
Do not assume everyone working in Maryland uses the same tax choice. The employee certificate contains separate instructions for reciprocal states, Pennsylvania local withholding, statutory residents, and military spouses.
| Worker situation | Typical Maryland wage withholding | Form detail to verify |
|---|---|---|
| Maryland resident | State tax + residence county/Baltimore City tax | Filing status, exemptions, local jurisdiction |
| Other nonresident without wage reciprocity | State tax + 2.25% special nonresident tax | Maryland-source wages and nonresident status |
| DC, Virginia or West Virginia resident | Wages may qualify for Maryland withholding exemption | No Maryland abode for 183 days or more and valid certificate |
| Pennsylvania resident | State portion may be exempt; Maryland work-county local tax can remain | PA residence and local-jurisdiction eligibility |
| PA York or Adams County / qualifying PA locality | May qualify for both state and local withholding exemption | Correct exemption line and “EXEMPT” instruction |
| Maryland resident working in Delaware or another nonreciprocal state | Special Maryland resident/out-of-state withholding table may apply while accounting for expected other-state tax | Work state, credit for tax paid to another state, and official special table |
| Military spouse | Possible wage-withholding exemption under federal law | Spouse’s orders, domicile, presence, and required military-spouse form |
Review the employee certificate instructions before asking payroll to stop Maryland withholding. Open the 2026 Maryland withholding-certificate instructions.
Maryland County Tax, Bonus and Pay Conversion Tools
State + County Withholding
Hourly Pay with Overtime
Salary to Hourly
Maryland Lump-Sum Bonus
Pay Frequency Converter
Target Take-Home Estimate
Maryland FAMLI Is Not a 2026 Paycheck Deduction
Maryland’s Family and Medical Leave Insurance program is being built, but employee payroll withholding does not begin during 2026. Official April 2026 guidance states that a 0.9% total contribution rate will apply when payroll withholding starts January 1, 2027, and employers may withhold up to half—0.45%—from employees at that time.
No Maryland FAMLI state-plan contribution should be added by this calculator.
Scheduled start of payroll contributions at the reaffirmed 0.9% total rate.
Scheduled availability of paid family and medical leave benefits.
Who is expected to be covered when contributions begin?
Maryland’s published 2026 guidance generally looks at where the work is localized rather than only where the employee lives or where the employer is headquartered. A remote employee working in Maryland for an out-of-state employer can be covered in 2027, while a Maryland resident whose work is localized outside Maryland may not be.
Small-employer contribution point
The announced 2027 total state-plan rate is 0.9%. Employers with fewer than 15 employees are expected to be responsible for 0.45% and may withhold that amount from employees; larger employers generally split the total rate, subject to the final program rules and approved private plans.
Use the official contribution page before accepting any “Maryland paid leave tax” claim on a 2026 pay stub. Review Maryland FAMLI contribution timing.
Maryland Wage Floors and Overtime in 2026
The statewide minimum wage is $15.00 per hour, but some counties require more. Prince George’s County lists $15.30 beginning January 1, 2026. Howard County’s smaller-employer rate is $15.50 through June 30 and $16.00 beginning July 1. Montgomery County adjusts its employer-size rates on July 1, 2026.
| Location | 2026 wage floor | Coverage check |
|---|---|---|
| Maryland statewide | $15.00 | General baseline; exemptions and special work can differ |
| Prince George’s County | $15.30 | Effective January 1, 2026 |
| Howard County | $16.00 general rate; smaller employers $15.50 through June 30, then $16.00 | Employer size and July 1 effective date |
| Montgomery County | Through June 30: $17.65 / $16.00 / $15.50; from July 1: $18.00 / $16.50 / $15.95 | Large, mid-size, or small employer classification and pay date |
Maryland overtime
Most covered employees receive 1.5 times their usual hourly rate for work over 40 hours in a workweek. Agricultural workers can have a different 60-hour trigger, and other exemptions may apply. Salary or a job title alone does not prove that a worker is overtime-exempt.
After comparing your hours and rate, use Maryland Labor’s official wage page for coverage and exceptions. Review Maryland minimum-wage and overtime rules.
How to Check a Maryland Pay Stub
| Pay-stub line | Likely meaning | First check |
|---|---|---|
| FIT / Federal | Federal income-tax withholding | W-4 status, Step 3 credits, extra withholding, pay frequency |
| MD State / State Tax | May combine Maryland state and local withholding | County code, filing status, exemptions, annualized wages |
| Local / County | County or Baltimore City component shown separately | Residence county or special PA work-county rule |
| FICA SS / OASDI | Social Security | 6.2% and year-to-date wages below $184,500 |
| FICA MED | Medicare | 1.45%; employer adds 0.9% after its wages exceed $200,000 |
| FAMLI / Paid Leave | Could be employer plan, not Maryland state plan | Maryland state-plan withholding does not begin until 2027 |
- Confirm pay dates, regular hours, overtime hours, rate, bonus, commission, and taxable benefits.
- Check the county or Baltimore City code against your current residence and withholding certificate.
- Verify Maryland filing status and number of exemptions; one exemption equals $3,200 in the 2026 percentage method.
- For nonresidents, identify whether the payroll used reciprocity, Pennsylvania local-only withholding, or the 2.25% special nonresident tax.
- Compare year-to-date Social Security wages with $184,500 before questioning a missing or partial FICA deduction.
- If no current MW507 was on file, ask whether payroll defaulted to zero exemptions and the 3.30% highest local rate.
- If annualized gross pay is under $5,000, ask why Maryland withholding appeared unless extra withholding was requested.
Official Maryland and Federal Payroll Sources
State brackets, all local rates, Anne Arundel/Frederick schedules, and nonresident 2.25% rule.
Open the official 2026 tax-facts PDFPercentage formulas, $3,400 deduction, $3,200 exemption value, payroll periods, and bonus rates.
Open the official employer guideOfficial comparison tool with tax year, frequency, wages, exemptions, county, and filing status.
Use the Comptroller’s withholding calculatorUse this as a second comparison when exact state payroll settings are available.
Open Maryland’s net-pay calculatorFiling status, exemptions, extra withholding, reciprocity, Pennsylvania rules, and military-spouse instructions.
Open the current employee formState and local wage information, overtime trigger, and exemptions.
Open Maryland Labor wage guidanceConfirms 2027 contribution start and 2026 rate announcement information.
Review official FAMLI contributionsOfficial federal standard deductions and marginal rate thresholds.
Review IRS 2026 adjustmentsPublication 15-T explains the full payroll method used by employers.
Read IRS Publication 15-TCompare Maryland Take-Home Pay with Nearby States
Compare a Virginia paycheck where wages use state tax but no county income tax.
Compare a Pennsylvania paycheck with flat state tax, local EIT, and reciprocity questions.
Review the calculator sourcing method, browser-compute standard, and annual verification workflow.
Maryland Paycheck Calculator FAQs
Does Maryland have state and county income tax on paychecks?
Yes. Maryland uses progressive state income-tax rates and local income tax for all 23 counties and Baltimore City. A pay stub may combine both amounts under a single state-tax label.
What are Maryland’s state income-tax rates in 2026?
Maryland’s return-level schedule starts at 2% and reaches 6.50%. Employer withholding may not use a state rate below 4.75%, so payroll percentage tables begin at 4.75% before the county or Baltimore City rate is added.
What are Maryland county income-tax rates in 2026?
County and Baltimore City rates range from 2.25% to 3.30%. Anne Arundel uses graduated marginal brackets, while Frederick selects a rate based on taxable-income band. Allegany and Kent increased their rates for 2026.
Which county should I choose for Maryland withholding?
A Maryland resident normally uses the county or Baltimore City recorded as the residence jurisdiction. A Pennsylvania resident claiming exemption from the state portion may still use the Maryland work county for local withholding. Verify the employee certificate and payroll record.
Why does Maryland payroll start at 4.75% instead of 2%?
The individual tax schedule includes 2%, 3%, and 4% layers, but the 2026 withholding publication says payroll withholding may not use a rate below 4.75%. The calculator therefore uses 4.75% as the first state payroll rate.
What is the Maryland standard deduction used for 2026 payroll withholding?
The official percentage method uses a $3,400 annual standard-deduction allowance. It also treats each Maryland withholding exemption as $3,200.
Do Maryland nonresidents pay county tax?
Most nonresidents do not use a county resident rate. Instead, Maryland generally withholds the state tax plus a 2.25% special nonresident tax. Reciprocity and Pennsylvania local-tax rules can produce different results.
Do DC, Virginia and West Virginia residents pay Maryland tax on wages?
Qualifying residents of DC, Virginia, or West Virginia who work in Maryland and do not maintain a Maryland abode for 183 days or more may claim exemption from Maryland wage withholding using the required employee certificate.
What happens if my employer does not have a current MW507?
Maryland payroll guidance can default the employee to zero exemptions and the highest local rate, 3.30%. Submit a current form after a move, filing-status change, or reciprocity change.
Is Maryland FAMLI deducted from paychecks in 2026?
No. Official April 2026 guidance says Maryland FAMLI payroll withholding begins January 1, 2027. The announced total 2027 contribution rate is 0.9%, with employers allowed to withhold up to 0.45% from employees under the state plan.
What is Maryland’s minimum wage in 2026?
The statewide minimum wage is $15.00 per hour. Prince George’s, Howard, and Montgomery Counties can require higher rates, with employer-size and effective-date rules.
Does the Maryland paycheck calculator include overtime?
Yes. Hourly mode calculates entered overtime at 1.5 times the regular hourly rate. Exact overtime can differ when bonuses, commissions, multiple rates, agricultural rules, or exemptions affect the legally required regular rate or trigger.
Why is my actual Maryland paycheck different from the estimate?
Differences can come from Form W-4, the Maryland withholding certificate, county code, exemptions, reciprocity, payroll rounding, benefits, bonuses, taxable fringe benefits, and year-to-date Social Security wages.
Is this calculator official tax, payroll, or legal advice?
No. It is a planning estimate. Use the Comptroller of Maryland, Maryland Department of Labor, IRS, payroll records, and qualified professionals for withholding changes, residency questions, wage claims, or tax filing.