Maryland Income Tax Calculator
Calculate your total tax burden in Maryland. See MD state income tax (5.75% top rate), federal tax, and FICA combined. Free, instant, private.
The state of Maryland uses 8 progressive income tax brackets up to 5.75% in 2026. State standard deduction: $2,550 single / $5,150 married. Stacks on federal tax (10%-37% across 7 brackets) and FICA (Social Security 6.2%, Medicare 1.45%). Property tax averages 1.05% and combined sales tax averages 6%. 8 brackets. County taxes add 2.25-3.20%. Both estate AND inheritance tax. Low standard deduction.
Maryland Income Tax Calculator
Pre-filled with Maryland median: $90,203
Your Total Tax Burden
$22,470
Take-Home: $67,733 · Effective Rate: 24.9%
Federal Tax
$11,459
12.7% eff.
MD State Tax
$4,111
4.6% eff.
FICA
$6,901
7.7% eff.
Take-Home
$67,733
75.1% kept
Tax Breakdown
Maryland Tax Bracket Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $90,203.00 | $7,516.92 |
| Federal Income Tax | -$11,458.66 | -$954.89 |
| Maryland State Tax | -$4,111.02 | -$342.58 |
| Social Security (6.2%) | -$5,592.59 | -$466.05 |
| Medicare (1.45%) | -$1,307.94 | -$109.00 |
| Take-Home Pay | $67,732.79 | $5,644.40 |
Marginal Tax Rate
5.75%
MD state only
Effective Tax Rate
24.9%
All taxes combined
Maryland Tax System Overview
Maryland has eight brackets from 2% to 5.75%, plus county taxes of 2.25% to 3.20%. Maryland is one of only two states with both estate and inheritance taxes. Effective rates can reach nearly 9%.
Maryland Income Tax Brackets (Single)
| Tax Rate | Income Range |
|---|---|
| 2% | $0 – $1,000 |
| 3% | $1,000 – $2,000 |
| 4% | $2,000 – $3,000 |
| 4.75% | $3,000 – $100,000 |
| 5% | $100,000 – $125,000 |
| 5.25% | $125,000 – $150,000 |
| 5.5% | $150,000 – $250,000 |
| 5.75% | $250,000 – and above |
Top Income Tax
5.75%
Property Tax
1.05%
Sales Tax (Avg)
6%
Median Income
$90,203
Other Taxes in Maryland
Capital Gains Tax
Taxed as regular income
Property Tax
Average effective rate of 1.05%. On a $300,000 home, this equals approximately $3,150 per year, or $263 per month.
Sales Tax
State rate of 6%, with a combined average of 6% including local taxes.
Estate & Inheritance Tax
Maryland is one of only two states with both an estate tax and an inheritance tax. Plan your estate carefully with a tax professional.
Filing Tips for Maryland
Total tax includes state and county. County tax adds significantly. Both estate and inheritance taxes apply. Low standard deduction makes itemizing worthwhile. Retirement income subtraction available for 65+.
- Maximize pre-tax contributions to 401(k) ($23,500 limit in 2026, $31,000 if 50+) to reduce both federal and MD state taxable income.
- Use an HSA if you have a high-deductible health plan. Contributions ($4,400 individual, $8,750 family) are pre-tax and reduce your tax burden.
- Review your W-4. If you regularly get large refunds, adjust your withholding to keep more money in each paycheck throughout the year.
Compare Maryland to Nearby States
If you lived in a neighboring state instead, here is how your state tax would change on $90,203 income:
| State | Top Rate | State Tax | Difference |
|---|---|---|---|
| Maryland | 5.75% | $4,111 | — |
| Pennsylvania | 3.07% | $2,769 | Save $1,342 |
| Delaware | 6.6% | $4,722 | +$611 |
| Virginia | 5.75% | $4,469 | +$358 |
| West Virginia | 5.12% | $3,730 | Save $381 |
Explore All 50 State Tax Calculators
Compare income tax rates, property taxes, and sales taxes across all US states and DC.
View All StatesRelated Tax Calculators
Frequently Asked Questions
What is the income tax rate in Maryland?
Maryland has a progressive income tax with a top rate of 5.75%. Tax rates increase as income rises through various brackets. 8 brackets. County taxes add 2.25-3.20%. Both estate AND inheritance tax. Low standard deduction.
How much state tax will I pay in Maryland on $90,203?
On income of $90,203 filing single in Maryland, you would pay approximately $4,111 in state income tax (effective rate of 4.6%). This is after the state standard deduction of $2,550.
Does Maryland tax capital gains?
Taxed as regular income. Capital gains treatment varies by state — some tax them as regular income while others offer exclusions or preferential rates.
How does Maryland compare to neighboring states for taxes?
Maryland's neighboring states include Pennsylvania (3.07% top rate), Delaware (6.6% top rate), Virginia (5.75% top rate). Property tax rates, sales taxes, and cost of living should also be considered when comparing overall tax burden. Use the calculator above to compare your specific tax liability across states.
What is the Maryland state income tax filing deadline for 2026?
Maryland state income tax returns are due April 15, 2026 (matching the federal deadline). If April 15 falls on a weekend or holiday, the deadline shifts to the next business day. Extensions: Maryland typically grants automatic 6-month extensions to October 15, 2026, but tax owed must still be paid by April 15 to avoid penalties.
Does Maryland tax retirement income, Social Security, and pensions?
Maryland taxes retirement income with state-specific exclusions. Social Security: only 11 states tax SS benefits in 2026 (CO, CT, KS, MN, MT, NM, RI, UT, VT, WV, MO partially); Maryland's treatment varies. Pensions and 401(k)/IRA withdrawals are generally taxable as ordinary income at 5.75% top rate, with possible exclusions for federal/military pensions or low-income seniors. Check Maryland's 2026 retirement income exclusion thresholds.
What deductions and credits are unique to Maryland in 2026?
Maryland offers standard deduction of $2,550 (single) / $5,150 (married). Additional state-specific items typically include: Maryland-specific tax credits (e.g., property tax credit, education credit, EITC supplement if available), retirement income exclusions, and state-conformity to federal deductions like SALT cap, mortgage interest, charitable contributions. Check Maryland's state tax form for the full list of state-specific credits in 2026.
If I work remotely in Maryland for an out-of-state employer, what tax do I pay?
As a Maryland resident working remotely for an out-of-state employer, the rules depend on reciprocity agreements. Reciprocity-pair states (PA-NJ, IL-IA, MI-OH, etc.) let you pay tax only to Maryland. Without reciprocity, you may pay tax to BOTH states, then claim a credit on Maryland's return for taxes paid to the work state. NY, PA-Philadelphia, and other "convenience of employer" jurisdictions can override these rules. Verify your employer's state tax setup.