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 |
About Taxes in Waldorf
Waldorf has a population of approximately 77,487 residents with a median household income of $91,400. The cost of living index is 120.7 (20.7% higher than the national average of 100).
Tax burden classification: Moderate. Effective combined tax rate of 28.2% includes federal, state, FICA, property, and sales taxes for a typical Waldorf household.
Official Tax Resources for Maryland
For authoritative Maryland tax forms, filing deadlines, and the latest legislative updates, consult these official government resources:
- Maryland Comptroller — official state revenue agency
- Maryland Individual Income Tax Forms — current tax year forms and instructions
- IRS Federal Tax Forms and Instructions — federal income tax filing
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 ($4,400 individual, $8,750 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
Other Cities in Maryland
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HighSources & Methodology
Tax rate data on this page is compiled from official government sources and updated for the 2026 tax year. Calculations follow the IRS-published 2026 federal tax brackets, FICA rates (6.2% Social Security up to $176,100 wage base, 1.45% Medicare), and Maryland state tax provisions. Property tax estimates use Waldorf's median home value of $402,000and the local effective property tax rate of 1.06%.
- • Federal tax brackets and standard deductions: IRS.gov
- • State income tax rates and brackets: Maryland Comptroller
- • Median household income, home value, and demographics: U.S. Census Bureau ACS
- • Cost of living comparisons: U.S. Bureau of Labor Statistics CES
- • National average benchmarks: Tax Foundation state-level tax burden studies
Disclaimer: Estimates are for informational purposes only. Actual tax liability depends on filing status, deductions, credits, and individual circumstances. Consult a licensed tax professional or your state revenue agency for binding tax guidance.
Reviewed by LevyIO Tax Research Team · Published 2026-01-15 · Last updated 2026-04-30
Calculate 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%.