Estimates using federal brackets, FICA and your state rate. Not tax advice.
Maryland taxes wages on a graduated schedule for 2026, with a top marginal state rate of 6.5 percent. The state brackets start at lower rates and climb as income rises, with the 4.75 percent figure representing a reasonable effective rate estimate for a typical full-time worker at moderate income. Maryland also allows a standard deduction and personal exemptions that reduce taxable income before the graduated rates are applied.
On a $65,000 salary, Maryland state income tax is about $3,088 per year at the 4.75 percent effective rate. However, Maryland is one of the only states where a local income tax is mandatory for every resident: all 23 Maryland counties and Baltimore City levy their own local income tax, with rates that range from 2.25 percent to 3.2 percent depending on where you live. Howard County, for example, charges 3.2 percent, while some rural counties are at 2.25 percent. This means most Maryland workers pay a combined state plus local income tax rate that lands between 7 percent and 9 percent of taxable wages.
The calculator shows federal brackets, FICA, and the Maryland state rate. Enter your county's local rate in the local tax field to see your complete Maryland income tax picture. Results are estimates, not tax advice.
Compare take-home pay across pay types and periods, or check another state.
Maryland's top marginal state rate is 6.5 percent for 2026. Most workers at moderate income levels see an effective state rate closer to 4.75 percent, with higher earners moving further up the graduated scale.
Every Maryland county and Baltimore City charges a local income tax between 2.25 percent and 3.2 percent. For a $65,000 salary, a 3.0 percent county rate adds roughly $1,950 per year on top of the state portion.
At an effective state rate of 4.75 percent, the state portion is about $3,088 per year. Add your county rate to get the total Maryland income tax estimate.