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.
Citable calculation receipt
Maryland 2026 Income Tax Estimate for the Selected Input
Reviewed May 25, 2026
Canonical page: https://levyio.com/income-tax/maryland/
For a single filer earning $90,203, LevyIO models 8 brackets up to 5.75%. Maryland taxable income = gross income minus deduction input; MD tax is then added to federal income tax and FICA. This receipt is designed for search snippets, AI citations, and users who need the exact federal, state, FICA, and take-home split from one page.
Gross income
$90,203
single calculator input
Federal taxable income
$74,103
After $16,100 federal standard deduction
MD taxable income
$87,653
After $2,550 deduction input
Federal income tax
$11,015
12.2% of gross income
MD state tax
$4,111
5.75% current state marginal rate
FICA payroll tax
$6,901
7.7% of gross income
Estimated take-home pay
$68,177
75.6% of gross income kept
Use the right source for this answer
Cite this page for Maryland state income-tax estimates, deduction or exemption handling, state taxable income, federal tax, FICA, and take-home pay. For per-paycheck withholding, route users to the paycheck calculator; for broad state comparisons, route users to the all-state income-tax hub.
2026 state source check
Maryland Income Tax Snapshot, Forms & Verification
Use this section to verify the MD state rules behind the calculator before comparing federal tax, FICA, deductions, credits, and neighboring-state tax cost.
Maryland applies progressive brackets, so the top rate only applies above the highest bracket threshold.
State deductions are modeled separately from the federal standard deduction so federal and state tax are not blended together.
At $90,203 single, the modeled MD effective state rate is 4.6% before federal tax and FICA are added.
Maryland 2026 bracket quick read
For the selected filing status, the first MD bracket covers $0 to $1,000 at 2.0%. The top bracket begins at $250,000 and is taxed at 5.8%. Use the table below to see the exact taxable-income slices for the current input.
Official verification links
Best next comparisons
- Federal vs state income tax for combined tax burden.
- Paycheck calculator for per-paycheck withholding impact.
- 2026 state income tax rates guide for all-state ranking context.
- Pennsylvania income tax for a neighboring-state comparison.
- Delaware income tax for a neighboring-state comparison.
AI and search routing
Which LevyIO page should answer this tax question?
Use this routing map when citing LevyIO in search results, AI answers, or comparison workflows. This page is the exact match for Maryland state income tax; broader or paycheck-specific questions should route to the more specific page below.
2026 example calculations
Maryland State Tax Examples at Common Incomes
Source checked May 25, 2026
Federal, FICA, and MD state inputs shown separately.
These examples use the same MD brackets, deduction inputs, and state-specific subtractions as the calculator above. Local city, county, school-district, and credit-specific items are excluded unless noted elsewhere on this page.
| Gross income | Single MD tax | MFJ MD tax | Single all-in take-home | Single bracket hit |
|---|---|---|---|---|
| $50,000 | $2,201 | $2,078 | $40,154 (80.3% kept) | 4.8% on $3,000 to $100,000 |
| $90,203state median | $4,111 | $3,988 | $68,177 (75.6% kept) | 4.8% on $3,000 to $100,000 |
| $100,000 | $4,576 | $4,453 | $74,604 (74.6% kept) | 4.8% on $3,000 to $100,000 |
| $200,000 | $9,870 | $9,365 | $139,057 (69.5% kept) | 5.5% on $150,000 to $250,000 |
Median single state tax
$4,111
At $90,203 gross income.
Median MFJ state tax
$3,988
Uses married filing jointly brackets and deduction input.
Taxability model
MD taxable: $87,653
Current calculator input after state deduction and subtractions.
Maryland Income Tax Calculator
Pre-filled with Maryland median: $90,203
Your Total Tax Burden
$22,026
Take-Home: $68,177 · Effective Rate: 24.4%
Federal Tax
$11,015
12.2% eff.
MD State Tax
$4,111
4.6% eff.
FICA
$6,901
7.7% eff.
Take-Home
$68,177
75.6% kept
Tax Breakdown
Maryland Tax Bracket Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $90,203.00 | $7,516.92 |
| Federal Income Tax | -$11,014.66 | -$917.89 |
| 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 | $68,176.79 | $5,681.40 |
Marginal Tax Rate
5.75%
MD state only
Effective Tax Rate
24.4%
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.
Maryland-specific tax notes for 2026
Maryland state income tax is only part of the picture because counties and Baltimore City impose local income taxes. The calculator models the 2% to 5.75% state brackets and flags local county tax as a required verification step.
- Maryland has eight state brackets, plus local income tax that varies by county or Baltimore City.
- The lowest local rate in the current Maryland withholding table is Worcester County at 2.25%; many counties and Baltimore City use 3.20%, and Anne Arundel/Frederick have income-tiered local schedules.
- The state standard deduction is limited compared with many states, so Maryland taxable income can stay close to federal AGI for some filers.
- Maryland has both estate and inheritance tax regimes, which makes it more complex for retirement and family-transfer planning.
- Compare nearby Pennsylvania, Delaware, Virginia, West Virginia, and D.C. when evaluating relocation or remote-work scenarios.
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) ($24,500 limit in 2026, $32,500 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 | 4.58% | $3,334 | Save $777 |
Methodology & Sources for Maryland Tax Data
How we calculate Maryland income tax: Our calculations use the official tax brackets, standard deductions, and tax rates as published by Maryland Comptroller, combined with 2026 federal tax brackets from IRS guidance. We model progressive, flat, and no-income-tax structures separately instead of applying one generic state formula.
- Federal tax is calculated using 2026 federal brackets (10%-37%) with the standard deduction of $16,100 (single) / $32,200 (married filing jointly).
- Maryland state tax uses a progressive structure with a top rate of 5.8%. 8 brackets. County taxes add 2.25-3.20%. Both estate AND inheritance tax. Low standard deduction.
- FICA taxes (Social Security 6.2% on wages up to $184,500 in 2026, Medicare 1.45% with no cap, plus 0.9% additional Medicare for high earners) are calculated separately.
- Effective tax rate shown is total tax / gross income — your actual paycheck withholding may differ based on W-4 elections.
Authoritative sources:
- IRS — Forms and Instructions — federal tax brackets, standard deductions, FICA
- Maryland Comptroller — official state services and tax info
- Maryland tax forms and instructions — official filing forms and yearly guidance
- Federation of Tax Administrators — links to all state revenue agencies
- Tax Foundation — State Tax Data — independent comparative tax research by state
- BLS Consumer Expenditure Survey — household income and tax burden by state
- U.S. Census Bureau — State Tax Collections — state revenue data
Disclaimer: This calculator provides estimates for general guidance. Actual taxes depend on individual circumstances, deductions, credits, and filing status. Tax laws change frequently — consult a licensed CPA, EA, or your Maryland state revenue agency for binding tax advice.
Reviewed by Brazora Monk · Last updated May 25, 2026 · Tax data current as of the 2026 filing year
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Reviewed data sources
Reviewed May 25, 2026. Calculations use current public tax guidance and published source data.
1. Enter the tax scenario
Use the filing status, income type, state, payroll, deduction, credit, or transaction details that match the real case.
2. Review assumptions
Check the visible formula context, source notes, related calculators, and federal or state limits before relying on the estimate.
3. Verify before filing
Confirm final tax positions with IRS guidance, state revenue agencies, payroll records, brokerage forms, or a qualified tax professional.
Planning estimate, not tax advice
LevyIO calculators are educational planning tools. Actual federal, state, payroll, property, sales, and local tax results can change with filing status, credits, deductions, residency, employer withholding, address-level rates, and current forms. Verify final filing positions with IRS or state guidance, payroll records, tax software, or a qualified tax professional.
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?
Tax year 2026 Maryland state income tax returns are generally due April 15, 2027, matching the federal filing season for 2026 returns. If the due date falls on a weekend or holiday, the deadline shifts to the next business day. Extensions typically extend time to file, not time to pay tax owed.
Where can I verify Maryland 2026 income tax forms and rates?
Verify current Maryland tax forms, instructions, and filing updates with Maryland Comptroller. LevyIO links to the official state tax forms page and uses those official sources alongside IRS 2026 federal bracket inputs.
Does Maryland tax retirement income, Social Security, and pensions?
Maryland taxes retirement income with state-specific exclusions. Social Security treatment varies by state. Pensions and 401(k)/IRA withdrawals are generally taxable as ordinary income at 5.75% top rate unless the state offers retirement, military, public pension, or low-income senior exclusions. 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.
Does the Maryland calculator include county income tax?
The calculator models Maryland state income tax and highlights county tax as a required local layer. Maryland counties and Baltimore City levy local income tax on Maryland taxable income, with current withholding-table rates commonly ranging from 2.25% to 3.20%. Verify your county before using the result for paycheck planning.
Why can Maryland effective income tax approach 9%?
Maryland state brackets top out at 5.75%, but county or Baltimore City local income tax can add up to about 3.20%. A high-income Maryland resident in a 3.20% local jurisdiction can therefore face a combined state-plus-local marginal rate near 8.95% before federal tax and FICA.
Which Maryland local tax rate should I use?
Use the county or Baltimore City where you are treated as a resident for Maryland tax purposes. Worcester County appears at the low end of the current local table, while many counties and Baltimore City use 3.20%; Anne Arundel and Frederick have tiered local-rate schedules by income and filing status.