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Maryland exemptions claimed
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Maryland Take-Home Pay
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Maryland Tax Overview 2024–2025
Maryland has a progressive state income tax ranging from 2% to 5.75%, plus a local (county/city) income tax ranging from 2.25% to 3.20% depending on where you live. Maryland is unique in that it has both state AND local income tax withheld from paychecks.
MD Net Pay = Gross Pay − Federal Tax − MD State Tax − MD County Tax − Social Security − Medicare − Pre-Tax Deductions
Maryland 2024 State Tax Brackets (Single):
2% on $0–$1,000 · 3% on $1,001–$2,000 · 4% on $2,001–$3,000 · 4.75% on $3,001–$100,000 · 5% on $100,001–$125,000 · 5.25% on $125,001–$150,000 · 5.75% on $150,001+
2% on $0–$1,000 · 3% on $1,001–$2,000 · 4% on $2,001–$3,000 · 4.75% on $3,001–$100,000 · 5% on $100,001–$125,000 · 5.25% on $125,001–$150,000 · 5.75% on $150,001+
💡 Maryland local tax: Maryland is one of few states with a mandatory local income tax withheld at the county level. Montgomery and Prince George's counties (DC suburbs) have the highest local tax at 3.20%. Worcester County has the lowest at 2.25%.
Frequently Asked Questions
What is Maryland's state income tax rate?
Maryland has a progressive state income tax with rates from 2% to 5.75%. For single filers in 2024: 2% on the first $1,000, 3% on $1,001–$2,000, 4% on $2,001–$3,000, 4.75% on $3,001–$100,000, 5% on $100,001–$125,000, 5.25% on $125,001–$150,000, and 5.75% on income over $150,000. Additionally, Maryland counties levy a local income tax of 2.25%–3.20%.
Does Maryland have a local county income tax?
Yes. Maryland is one of the few states where counties and Baltimore City levy their own income tax, ranging from 2.25% (Worcester County) to 3.20% (Baltimore City, Baltimore County, Montgomery County, Prince George's County, Howard County). This local tax is withheld by your employer along with state income tax and appears as a combined "Maryland tax" on your pay stub.
How do I calculate my Maryland take-home pay?
Maryland take-home pay = Gross pay − Federal income tax − Maryland state income tax − Maryland county tax − Social Security (6.2%) − Medicare (1.45%) − pre-tax deductions (401k, health insurance). Use the calculator above — select your county to get the correct local tax rate. Maryland's combined state + local tax can be 7%–9%+ for high earners.
What is Maryland's minimum wage in 2024–2025?
Maryland's statewide minimum wage is $15.00 per hour as of January 1, 2024, for all employers. Montgomery County has a higher local minimum wage. Maryland's minimum wage is indexed to inflation starting in 2025. Tipped employees may receive a lower direct wage ($3.63/hour), with tips making up the difference to at least $15.00/hour.
How much Maryland income tax will I owe on a $75,000 salary?
On a $75,000 salary with standard deductions and single filing: Maryland state income tax is approximately $3,050 (effective rate ~4.1%). If you live in Montgomery County (3.20% local), add approximately $2,400 in county tax = ~$5,450 combined MD taxes. Federal income tax adds approximately $8,000–$10,000 depending on deductions. Total deductions (including FICA) would be approximately $20,000–$22,000, leaving take-home of approximately $53,000–$55,000/year.
Does Maryland tax Social Security benefits?
Maryland partially taxes Social Security benefits for residents over 65 with income above certain thresholds. Residents 65+ with federal adjusted gross income (AGI) below $100,000 (single) or $150,000 (married) can deduct all Social Security benefits from Maryland taxable income. Above these thresholds, Social Security benefits are partially included in Maryland taxable income. This deduction is separate from the standard paycheck calculation for working employees.
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