Maryland Paycheck Calculator
Using 2026 federal and Maryland tax figures · last checked
Short answer
A $60,000 salary in Maryland takes home about $46,940 a year — roughly $3,912 a month — after $5,020 federal income tax and $4,590 in Social Security and Medicare, plus $3,450 in Maryland state income tax. That is an effective rate of 21.8%. The figure excludes Maryland local income tax, which is charged separately by municipality.
Work out what actually reaches your bank account in Maryland. Enter your gross pay for one period and the calculator applies federal withholding, Social Security, Medicare and Maryland state tax at the rates below, then shows what is left.
Before any deductions.
Estimated take-home pay
$1,575.85
- Gross pay
- $2,000.00
- Federal income tax
- −$156.15
- Social Security
- −$124.00
- Medicare
- −$29.00
- Maryland state tax
- −$115.00
- Total withheld
- −$424.15
This estimate excludes local tax. Maryland levies a county income tax collected alongside the state return, in every county and Baltimore City. Those are withheld on top of everything shown above, so your actual take-home will be lower than this figure. Check your municipality's rate with its income tax department or your employer's payroll office.
Figures on this page are estimates produced from the inputs you provide. A pay stub you generate documents what you enter; it is not a verified employment record issued by an employer. If you need official proof of income, request it from your employer or download your wage transcript free from the IRS.
Maryland income tax brackets
| Rate | Taxable income |
|---|---|
| 2% | $0 – $1,000 |
| 3% | $1,001 – $2,000 |
| 4% | $2,001 – $3,000 |
| 4.75% | $3,001 – $100,000 |
| 5% | $100,001 – $125,000 |
| 5.25% | $125,001 – $150,000 |
| 5.5% | $150,001 – $250,000 |
| 5.75% | $250,001+ |
Minimum wage in Maryland: $15.00/hr
What comes out of every paycheck
FICA is the part of the stub that behaves identically in all fifty states. It splits into Social Security at 6.2%, which stops once annual wages pass $184,500, and Medicare at 1.45%, which never stops and gains an extra 0.9% above $200,000. Nothing about living in Maryland changes either figure.
Maryland has eight state brackets plus mandatory county income taxes ranging from 2.25% to 3.2%. The combined load makes Maryland one of the highest-tax states on the East Coast.
Maryland State + County Taxes: A Double Hit
Maryland has eight state income tax brackets from 2% to 5.75%, which are not that bad on their own. The problem is every Maryland county and Baltimore City charges its own income tax on top — ranging from 2.25% (Worcester County) to 3.2% (Howard, Montgomery, Prince George's counties). For a worker in Montgomery County earning $80,000, the combined state (4.75%) plus county (3.2%) rate means 7.95% before federal taxes. That puts Maryland in the same league as New York and California for many middle-income earners. These county taxes are withheld automatically by your employer.
Working in the DC Metro Area from Maryland
A huge portion of Maryland's workforce commutes to Washington, DC, or northern Virginia. Maryland has reciprocity with DC and Virginia, so you only file and pay Maryland taxes regardless of where you work in the DMV. This actually works in your favor if you live in a lower-county-tax area like Frederick County (2.96%) vs. Montgomery County (3.2%). Federal government employees, defense contractors, and cybersecurity professionals make up a significant share of Maryland workers. The $15/hr minimum wage applies statewide, including Baltimore, which has a higher cost of living than most Maryland suburbs.
Take-home pay at common salaries in Maryland
Take-home does not rise in step with salary, because each additional slice of income is taxed at a higher rate than the one below it. In Maryland, the effective rate climbs from 20.0% to 29.9% across the range below.
Hourly rates in Maryland
Hourly work converts to the same arithmetic once you settle on hours. At full-time — 40 a week, 2,080 a year — $25 an hour in Maryland nets about $40,972 a year.
| Hourly | Annual gross | Annual take-home | Net per hour |
|---|---|---|---|
| $15/hr | $31,200 | $25,455 | $12.24 |
| $17/hr | $35,360 | $28,559 | $13.73 |
| $25/hr | $52,000 | $40,972 | $19.70 |
| $30/hr | $62,400 | $48,730 | $23.43 |
| $40/hr | $83,200 | $62,577 | $30.09 |
| $50/hr | $104,000 | $76,014 | $36.55 |
Based on 2,080 hours a year — 40 hours a week, 52 weeks. Excludes overtime and unpaid leave.
How filing status changes it
Worth checking before you file: on $60,000, the gap between the best and worst filing status is $2,180 a year. Married filing jointly keeps the most here. Every status has its own deduction amount and its own points at which each bracket begins.
| Filing status | Federal tax | Take-home |
|---|---|---|
| Single | $5,020 | $46,940 |
| Married filing jointly | $2,840 | $49,120 |
| Married filing separately | $5,020 | $46,940 |
| Head of household | $3,948 | $48,012 |
On a $60,000 salary in Maryland.
How accurate is this estimate?
A calculator can only work from what it is told. Yours will differ from this if your W-4 claims dependants or requests extra withholding, if you have pre-tax deductions such as insurance premiums or a 401(k), or if you hold more than one job. Those all change the taxable base before any Maryland rate is applied.
Maryland paycheck questions
How much is the county income tax in Maryland?
Every Maryland county charges its own income tax. Rates range from 2.25% (Worcester County) to 3.2% (Howard, Montgomery, Prince George's counties). This is in addition to the state income tax.
Does Maryland have reciprocity with DC and Virginia?
Yes. If you live in Maryland and work in DC or Virginia, you only file and pay Maryland taxes. Your DC or Virginia employer will not withhold those states' taxes.
How pay frequency changes your cheque
A common belief worth dispelling: no pay schedule is cheaper than another. Annual liability on $60,000 in Maryland is identical whether it arrives in 12 instalments or 52 — what changes is how much lands each time. The table sets the four schedules side by side.
| Paid | Cheques/yr | Gross each | Take-home each |
|---|---|---|---|
| Weekly | 52 | $1,154 | $903 |
| Every two weeks | 26 | $2,308 | $1,805 |
| Twice a month | 24 | $2,500 | $1,956 |
| Monthly | 12 | $5,000 | $3,912 |
Turn this into a pay stub
Once the numbers look right, the generator will lay them out as a pay stub you can save. Worth repeating what such a document is and is not — it records what you entered, and it does not stand in for an employer-issued record where one is genuinely required.
Open the pay stub generatorIf you need official proof of income
Ask your employer's payroll department for copies of your stubs — they are required to keep payroll records, and this is normally free. You can also download a wage and income transcript at no cost from the IRS. Neither route costs anything, and both produce a record a third party can verify. Get an IRS transcript.