Maryland Hourly Paycheck Calculator
Your hourly rate and hours in, your take-home pay out. Overtime is paid at 1.5× your rate; tips you report are taxed like wages.
| Per paycheck | Amount | Per year |
|---|---|---|
| Gross pay | $1,600.00 | $41,600.00 |
| Federal income tax · withheld | −$108.15 | −$2,812.00 |
| Social Security (6.2%) | −$99.20 | −$2,579.20 |
| Medicare (1.45%) | −$23.20 | −$603.20 |
| Maryland income tax · withheld | −$107.02 | −$2,782.52 |
| Take-home pay | $1,262.43 | $32,823.08 |
How the federal income tax was worked out
| Pay subject to income tax, for the year · $1,600.00 × 26 paychecks | $41,600.00 |
| Minus the IRS withholding allowance · Pub 15-T Worksheet 1A, line 1g | −$8,600.00 |
| Adjusted yearly wage | $33,000.00 |
| Tax from the IRS yearly table · standard table | $2,812.00 |
| Federal income tax per paycheck · divided by 26 | $108.15 |
IRS Publication 15-T (2026), Worksheet 1A — the percentage method payroll software uses for a Form W-4 from 2020 or later. Your employer's figure can differ by a few cents because of rounding.
How the Maryland income tax was worked out
| Pay subject to Md. income tax this paycheck | $1,600.00 |
| Minus standard deduction for this pay period · $3,400 a year | −$130.76 |
| Minus 1 MW507 exemption · 1 × $123.08 ($3,200 a year each) | −$123.08 |
| Taxable pay for withholding | $1,346.16 |
| Maryland state tax · single rate table: 4.75% up to $3,846 a paycheck | $63.94 |
| County income tax · Baltimore City 3.2% | $43.08 |
| Md. state and county tax this paycheck | $107.02 |
Hourly pay in Maryland
Maryland's minimum wage is $15.00 an hour, in effect since January 1, 2024 (up from $13.25). Workers under 18 can be paid 85% of it. Howard, Montgomery and Prince George's counties have their own, higher minimum wage laws.
Tips. If you get more than $30 a month in tips, your employer can pay as little as $3.63 an hour, but your cash wage plus tips must reach $15.00 — your employer makes up any gap.
Overtime. Time-and-a-half for hours over 40 in a workweek. Maryland's own law sets 48 hours for bowling alleys and some residential care homes, and 60 hours for farm workers who are covered.
Every hour is taxed at your full state and county rate. Because withholding starts at 4.75% plus your county rate from the first dollar above the deductions, extra hours are withheld at that combined rate.
Because hours change from week to week, your withholding changes too: a week with lots of overtime is withheld as if you earned that much every week, so more comes out. It usually evens out when you file your return.
What comes out of a Maryland paycheck
- Federal income tax withholding — worked out from your pay and your Form W-4, using the IRS tables for 2026.
- Social Security — 6.2% of your pay, up to $184,500 of pay in 2026. Above that, it stops for the rest of the year.
- Medicare — 1.45% of all your pay, plus 0.9% on pay above $200,000 in the year.
A Maryland paycheck has one line for state tax, but it holds two taxes: Maryland's own income tax and the income tax of the county you live in (or Baltimore City). Employers work it out with the Comptroller's percentage method:
- Start with your pay subject to income tax — after a traditional 401(k) and pre-tax health insurance, as for federal tax.
- Take off the standard deduction for withholding: $3,400 a year ($65.38 a week), the same for every filing status.
- Take off $3,200 a year ($61.54 a week) for each exemption on your MW507.
- Multiply what's left by the state rate plus your county's rate. The state part is 4.75% on yearly taxable pay up to $100,000 ($150,000 at the joint rate), rising step by step to 6.5% above $1,000,000 ($1,200,000 joint). In Baltimore City, for example, the first step is 7.95% in total.
Maryland has no employee-paid unemployment tax: state law bars employers from taking any part of it out of your wages. Paid family and medical leave (FAMLI) deductions have not started yet.
Tips and overtime in 2026
New federal deductions apply for 2025 through 2028: up to $25,000 for qualified tips, and up to $12,500 ($25,000 for joint filers) for the extra "half" of time-and-a-half overtime. Both phase out above $150,000 of income ($300,000 joint).
These are deductions on your tax return. Your employer still takes Social Security and Medicare out of tips and overtime, and still withholds income tax unless you tell it otherwise. If you expect to claim them, you can put the expected amount in Step 4(b) of your W-4 (and in the Step 4(b) box above) so less income tax is withheld during the year.
Other Maryland calculators
Paycheck calculator · Hourly paycheck calculator · Salary paycheck calculator · What changed for 2026
Other states: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Sources
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods — Worksheet 1A and the annual percentage-method tables
- IRS Publication 15 (2026), Employer's Tax Guide — Social Security and Medicare rates
- Social Security Administration — 2026 wage base of $184,500
- IRS — tips and overtime deductions
- Comptroller of Maryland — 2026 Maryland Employer Withholding Guide — percentage method: $3,400 standard deduction, $3,200 per exemption, rate tables ignore rates below 4.75%, no withholding under $5,000 a year, 1 exemption if no MW507, Anne Arundel and Frederick rates
- Comptroller of Maryland — 2026 percentage method table, 3.20 percent local income tax — 7.95% … 9.70% tables for every pay period
- Comptroller of Maryland — Withholding Tax Facts, January 2026 — 2026 local income tax rates for all 24 jurisdictions; 2.25% nonresident rate; $3,200 exemption
- Comptroller of Maryland — Online Withholding Calculator (2026) — confirms each county's 2026 rate and Frederick's whole-income rate
- Comptroller of Maryland — Tax alert: changes from the 2025 legislative session — new 6.25% and 6.5% brackets from tax year 2025; standard deduction $3,350 / $6,700; local rates up to 3.30% from 2026
- Comptroller of Maryland — Form MW507 (2026) — exemptions, rate boxes, additional withholding, reciprocity exemptions, worksheet above $100,000 / $150,000
- Maryland FAMLI — Make contributions — employee contributions through payroll start January 2027; 0.9% split 0.45% / 0.45%
- Maryland Department of Labor — Deductions for unemployment and workers' compensation — no part of wages may be deducted for unemployment insurance
- Maryland Department of Labor — Maryland Minimum Wage and Overtime Law
- Maryland Manual — Maryland at a glance: wages — $13.25 → $15.00 on January 1, 2024 (Fair Wage Act of 2023)
- Maryland Department of Labor — Frequency of pay — at least every two weeks or twice a month; executive, administrative and professional employees may be paid less often
- Maryland Department of Labor — Termination pay — final wages on or before the day they would have been paid
- Maryland Department of Labor — Wage issues: having problems with your pay? — claim form to the Employment Standards Service
Questions
Why is my Maryland state tax so much more than the state rate?
Because it includes your county income tax. In Baltimore City, for example, 4.75% state plus 3.2% local is 7.95% of your taxable pay.
How much is taken out of a $1,000 paycheck in Maryland?
For a single filer paid every two weeks with nothing else on the W-4, a $1,000 paycheck has about $38.08 of federal income tax, $62.00 of Social Security and $14.50 of Medicare taken out, $59.32 of Maryland income tax, leaving $826.10. Enter your own details in the calculator for your exact figure.
What is $20 an hour after taxes in Maryland?
Working 40 hours a week and paid every two weeks, $20 an hour is $1,600.00 before tax and about $1,262.43 after tax per paycheck — $32,823.08 a year — for a single filer with a standard W-4.
What if I didn't fill out an MW507?
Your employer must withhold as if you claimed one exemption, using the county you live in.
Does Maryland take FAMLI out of my paycheck in 2026?
No. Employee contributions start January 1, 2027, at 0.45% of wages, with benefits from January 1, 2028.
I live outside Maryland but work here. What is withheld?
The state tax plus a special nonresident rate of 2.25% in place of a county tax, unless you can claim a reciprocal exemption on the MW507.
When do I get my last paycheck in Maryland?
On or before the day you would have been paid if you had not left.