Taxes in Baltimore, Maryland
Complete tax guide for Baltimore, MD. State income tax up to 5.75%, 1.04% property tax, 6% sales tax. Calculate your total tax burden.
State Income Tax
5.75%
Maryland
Property Tax
1.04%
Effective rate
Sales Tax
6%
Combined rate
Tax Burden
Moderate
Baltimore, MD Tax Overview
Baltimore City piggyback income tax rate of 3.2% (highest in MD); all MD counties levy piggyback tax
Population
585,708
Median Income
$52,164
Cost of Living
101.7 (100 = avg)
State Income Tax
5.75%
Local Income Tax
3.2%
Median Home Price
$195,000
Baltimore Tax Calculator
Pre-filled with Baltimore median: $52,164
Total Tax Burden in Baltimore
$12,880
Take-Home: $39,284 · Effective Rate: 24.69%
Federal Tax
$4,221
8.09% eff.
MD State + Local
$4,669
8.95% eff.
FICA
$3,991
7.65% eff.
Take-Home
$39,284
75.31% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $52,164.00 | $4,347.00 |
| Federal Income Tax | -$4,221.18 | -$351.77 |
| Maryland State Tax | -$2,999.43 | -$249.95 |
| Baltimore Local Tax (3.2%) | -$1,669.25 | -$139.10 |
| Social Security (6.2%) | -$3,234.17 | -$269.51 |
| Medicare (1.45%) | -$756.38 | -$63.03 |
| Take-Home Pay | $39,283.60 | $3,273.63 |
Property Tax in Baltimore
Median Home
$195,000
Annual Tax
$2,028
Monthly Tax
$169
Effective Rate
1.04%
Sales Tax in Baltimore
Combined Rate
6%
State Portion
~3.5%
Local Portion
~2.5%
The combined sales tax rate in Baltimore is 6%, which is below the national average of 7.12%. On a $100 purchase, you would pay $6.00 in sales tax.
Tax Burden Comparison
| Tax Type | Baltimore | Maryland Avg | National Avg |
|---|---|---|---|
| Income Tax | 5.75% + 3.2% | 5.75% | 4.6% |
| Property Tax | 1.04% | ~1.04% | 1.1% |
| Sales Tax | 6% | ~6% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
Tax Saving Tips for Baltimore Residents
- Maryland's income tax rate of 5.75% is above average. Maximize pre-tax retirement contributions (401k up to $23,500, IRA up to $7,000) to reduce both federal and state taxable income.
- Baltimore has a local income tax of 3.2%. If you work remotely, verify whether you owe city tax based on where you work or where you live. Some cities only tax people who work within city limits.
- Property tax in Baltimore (1.04%) is below the national average of 1.1%. This makes homeownership more affordable here relative to property tax burden.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
Other Cities in Maryland
Columbia
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Very HighSilver Spring
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Very HighAnnapolis
HighCalculate Your Full Maryland Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Baltimore, MD?
Baltimore, Maryland has a state income tax rate up to 5.75%, plus a local income tax of 3.2%. The property tax rate is 1.04% and the combined sales tax rate is 6%. Baltimore City piggyback income tax rate of 3.2% (highest in MD); all MD counties levy piggyback tax
How much is property tax in Baltimore?
The effective property tax rate in Baltimore is 1.04%. On the median home price of $195,000, this equals approximately $2,028 per year or $169 per month. This is below the national average of 1.1%.
What is the sales tax rate in Baltimore?
The combined sales tax rate in Baltimore is 6%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does Baltimore's tax burden compare to other cities?
Baltimore has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 29.7%. The combination of 5.75% state income tax, 1.04% property tax, and 6% sales tax determines the total burden. Cost of living index is 101.7 (100 = national average).
Are there any local taxes in Baltimore?
Yes. Baltimore imposes a local income tax of 3.2% in addition to the state income tax of 5.75%. Baltimore City piggyback income tax rate of 3.2% (highest in MD); all MD counties levy piggyback tax