StubRate · Take-home calculator · Maryland
Take-home pay in Maryland
Estimate what a salary in Maryland (MD) becomes after federal tax, ≈5.5% effective state income tax estimate, FICA, typical benefits, and optional commute costs.
Maryland taxes wages at the state level, and counties add a piggyback income tax StubRate does not fully simulate. The ~5.5% effective rate here is a state-level teaching number—your county can push the combined rate higher.
This page is for Baltimore hospitals and ports, Fort Meade and biotech corridors, and Montgomery or Prince George’s County jobs that compete with District pay.
Sample: $85,000 single filer in Maryland → about $4,945/mo net (69.8% stub rate) and $4,767/mo after a modest hybrid commute and lunches. Assumptions: 5% 401(k), $140/month health, three office days, 12 miles each way.
Your stub rate
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Enter a salary to see your stub rate
- Monthly take-home
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- Per paycheck
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- True monthly (after job costs)
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- Effective hourly
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Where the money goes
- Federal tax—
- State tax—
- Social Security + Medicare—
- 401(k)—
- Health premiums—
- Commute & work costs—
Income tax in Maryland
County income tax is the Maryland twist. Two people with the same salary in different counties do not keep the same amount. Use this calculator for direction, then check your county rate on a stub.
If you work in D.C. or Virginia, reciprocity and tax home rules matter. This page assumes Maryland is where you file as a resident.
Every U.S. W-2 wage still faces federal income tax and FICA (Social Security plus Medicare). Maryland’s difference is the state line—and any local wage tax if your city charges one.
Sample take-home by salary in Maryland
Single filer, biweekly pay, 5% traditional 401(k), $140/month health premium, no commute. Educational estimates only.
| Gross salary | Est. net / month | Est. net / year | Stub rate | State tax / year |
|---|---|---|---|---|
| $50,000 | $3,012 | $36,144 | 72.3% | $2,520 |
| $75,000 | $4,435 | $53,215 | 71.0% | $3,826 |
| $100,000 | $5,710 | $68,522 | 68.5% | $5,133 |
| $125,000 | $6,986 | $83,828 | 67.1% | $6,439 |
| $150,000 | $8,224 | $98,685 | 65.8% | $7,745 |
Living and commuting in Maryland
Baltimore, Bethesda, Silver Spring, and the Eastern Shore are different housing markets. MARC, Metro, and I-270 or I-95 parking are job costs for D.C.-facing offers.
A five-day Pentagon or Downtown D.C. commute from Maryland is not the default 12-mile suburban loop. Enter days, miles, and transit.
Common job markets on this page: Baltimore, Frederick, Rockville, Gaithersburg, Silver Spring. Housing and office days change true stub rate more than a small difference in the state tax shortcut.
Compare two offers if one job is in Maryland and the other is elsewhere—or if commute days differ.
Nearby take-home calculators
Same salary, different state tax line. Open a neighbor to compare.
Guides that pair with Maryland take-home
Maryland take-home questions
Does Maryland have state income tax?
Yes. StubRate uses an approximate 5.5% effective rate for estimates—not a full bracket simulation or every local wage tax.
What is take-home pay on $85,000 in Maryland?
Using StubRate’s sample for a single filer with 5% 401(k) and a $140/month health premium, about $4,945/month net before extra job costs, or roughly $4,767/month after a modest hybrid commute (three office days, 12 miles each way, lunches). Your numbers will differ.
How much do I keep on $100,000 in Maryland?
Under the tax-only sample (single, 5% 401(k), $140/month health, no commute), about $5,710/month, or 68.5% of gross. Add commute and lunches in the calculator to see true take-home.
Is this Maryland calculator official tax software?
No. It is an educational estimate for comparing offers. It does not file a return, model every local tax, or replace a payroll sample or a tax professional.