Everyday money · MD

Maryland Income Tax Calculator

Estimate your 2026 combined federal and Maryland income tax — Maryland adds progressive state income tax on top of federal.

InputsTY-2026

Annual income

Filing status

Pre-tax adjustments 401(k), HSA

Itemized deductions 0 = use standard

Federal + state tax17.6% effective

$17,556/yr

10% on $12,400$1,240

12% on $38,000$4,560

22% on $33,500$7,370

federal tax subtotal$13,170

MD state tax$4,386

taxable income

$83,900

marginal rate

22.0%

after tax

$82,444

A single filer earning Maryland's median household income of $109,700 owes about $4,855 in Maryland state income tax — an effective state rate of 4.43%. That is state tax only, on top of federal income tax and FICA.

Based on 2026 Maryland rules and 2026 federal rules, with the standard deduction and no other adjustments. Median income is the 2024 Census figure.

Income tax in Maryland

Maryland's 2025 budget act added two new top brackets for tax year 2025 — 6.25% above $500,000 and 6.5% above $1 million (single) — and raised the standard deduction to $3,350 / $6,700. Maryland counties add local income taxes of roughly 2.25% to 3.3% that are not included here, so real withholding on a paycheck is higher than this estimate.

Maryland income tax structure (2026)

Maryland uses 10 progressive brackets on income above a $3,350 standard deduction (single) plus a $3,200 personal exemption. Single-filer brackets:

$0 – $1,0002%

$1,001 – $2,0003%

$2,001 – $3,0004%

$3,001 – $100,0004.75%

$100,001 – $125,0005%

$125,001 – $150,0005.25%

$150,001 – $250,0005.50%

$250,001 – $500,0005.75%

$500,001 – $1,000,0006.25%

over $1,000,0016.50%

Married-filing-jointly thresholds differ (roughly double in most states). Each slice of income is taxed at its own rate — landing in a bracket does not tax your whole income at that rate.

Common questions

What are Maryland's income tax brackets?

Maryland uses ten brackets for 2026: 2% on the first $1,000 of taxable income, rising to 6.5% above $1,000,000 for a single filer. Taxable income here is your pay after a $3,350 standard deduction ($6,700 joint) and a $3,200 personal exemption per filer. Joint filers get their own, wider thresholds.

What is the top income tax rate in Maryland?

6.5%, and it begins at $1,000,000 of taxable income for a single filer — about $1,006,550 of gross pay, once the $6,550 Maryland subtracts first is added back. Only income above that point is taxed at that rate; everything below it is taxed in the lower bands.

What is the tax bill on $109,700 in Maryland?

A single filer on Maryland's $109,700 median household income (2024 Census figure) owes roughly $4,855 to Maryland — an effective state rate of 4.4% against a 5% marginal bracket — plus about $15,304 of federal income tax.

Does Maryland have a personal exemption?

Yes — $3,200 per filer, or $6,400 on a joint return, subtracted before the brackets apply. It comes on top of the $3,350 standard deduction, for $6,550 of total single-filer subtractions.

How we calculate this

Federal brackets per our income-tax methodology, plus Maryland's 2026 state tax. Estimates only — not tax advice.

Comptroller of Maryland — 2026 Payment Voucher Worksheet (PVW), 2026 tax rate schedules and standard deduction →Tax Foundation: 2026 state individual income tax rates and brackets (updated Feb 11, 2026) →

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Estimates for general informational purposes only; not tax advice. Maryland figures are simplified (credits, local taxes, and AGI adjustments vary) and should be verified with the state Department of Revenue. This estimate does not model the county income tax every Maryland county charges on top of the state rate (roughly 2.25%–3.2%). Maryland's ten-rate 2%–6.5% schedule is applied with the $3,350 standard deduction and $3,200 personal exemption for a single filer — not itemized deductions, exemption phase-outs, or any Maryland tax credit.