Taxes in Waldorf, Maryland
Complete tax guide for Waldorf, MD. State income tax up to 5.75%, 1.06% property tax, 6.6% sales tax. Calculate your total tax burden.
State Income Tax
5.75%
Maryland
Property Tax
1.06%
Effective rate
Sales Tax
6.6%
Combined rate
Tax Burden
Moderate
Waldorf, MD Tax Overview
Population
77,487
Median Income
$91,400
Cost of Living
120.7 (100 = avg)
State Income Tax
5.75%
Local Income Tax
0.6%
Median Home Price
$402,000
Waldorf Tax Calculator
Pre-filled with Waldorf median: $91,400
Total Tax Burden in Waldorf
$24,518
Take-Home: $66,882 · Effective Rate: 26.82%
Federal Tax
$11,722
12.82% eff.
MD State + Local
$5,804
6.35% eff.
FICA
$6,992
7.65% eff.
Take-Home
$66,882
73.18% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $91,400.00 | $7,616.67 |
| Federal Income Tax | -$11,722.00 | -$976.83 |
| Maryland State Tax | -$5,255.50 | -$437.96 |
| Waldorf Local Tax (0.6%) | -$548.40 | -$45.70 |
| Social Security (6.2%) | -$5,666.80 | -$472.23 |
| Medicare (1.45%) | -$1,325.30 | -$110.44 |
| Take-Home Pay | $66,882.00 | $5,573.50 |
Property Tax in Waldorf
Median Home
$402,000
Annual Tax
$4,261
Monthly Tax
$355
Effective Rate
1.06%
Sales Tax in Waldorf
Combined Rate
6.6%
State Portion
~4.1%
Local Portion
~2.5%
The combined sales tax rate in Waldorf is 6.6%, which is below the national average of 7.12%. On a $100 purchase, you would pay $6.60 in sales tax.
Tax Burden Comparison
| Tax Type | Waldorf | Maryland Avg | National Avg |
|---|---|---|---|
| Income Tax | 5.75% + 0.6% | 5.75% | 4.6% |
| Property Tax | 1.06% | ~1.06% | 1.1% |
| Sales Tax | 6.6% | ~6.6% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
Tax Saving Tips for Waldorf 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.
- Waldorf has a local income tax of 0.6%. 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 Waldorf (1.06%) 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.
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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 Waldorf, MD?
Waldorf, Maryland has a state income tax rate up to 5.75%, plus a local income tax of 0.6%. The property tax rate is 1.06% and the combined sales tax rate is 6.6%.
How much is property tax in Waldorf?
The effective property tax rate in Waldorf is 1.06%. On the median home price of $402,000, this equals approximately $4,261 per year or $355 per month. This is below the national average of 1.1%.
What is the sales tax rate in Waldorf?
The combined sales tax rate in Waldorf is 6.6%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does Waldorf's tax burden compare to other cities?
Waldorf has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 28.2%. The combination of 5.75% state income tax, 1.06% property tax, and 6.6% sales tax determines the total burden. Cost of living index is 120.7 (100 = national average).
Are there any local taxes in Waldorf?
Yes. Waldorf imposes a local income tax of 0.6% in addition to the state income tax of 5.75%.