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Baltimore Paycheck Calculator (2026)

Last reviewed: April 20, 2026

Baltimore City is the only Maryland jurisdiction at the city level, distinct from surrounding Baltimore County. It levies a 3.2% local income tax, withheld at the source on resident wages. Combined with Maryland's progressive state tax (top 5.75%), a Baltimore City resident pays roughly 8.95% in state plus local income tax at higher income levels, one of the higher state-and-local stacks in the country. Maryland's universal county and city tax structure means every Maryland resident pays a local layer on top of the state, with Baltimore City sitting at the highest end. This calculator estimates 2026 take-home pay for a Baltimore City resident after federal tax, FICA, Maryland state tax, and the Baltimore City local rate. It supports pre-tax 401(k) and HSA deductions.

$85,000 single filer take-home comparison

Baltimore

$61,900

Maryland (no city tax)

$62,200

Texas (no income tax)

$68,600

Baltimore take-home is -$300 vs the state-only figure and -$6,700 vs the no-income-tax baseline.

Baltimore local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0+3.20%

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Baltimore paycheck FAQ

Why does Baltimore City charge a higher local rate than most counties?
Maryland counties each set their own local income tax rate within a state-mandated cap (currently 3.2%). Baltimore City sits at the cap, along with several large suburban counties. Lower-tax counties (Anne Arundel, Frederick) sit at 2.81% to 2.96%.
How does Baltimore City's combined burden compare to Washington, DC?
DC's top state-level rate exceeds 9% on high income, while Maryland's combined state-plus-local burden tops out around 8.95% for a Baltimore City resident at the highest income levels. The two are within a percentage point of each other on combined wages.
Is Baltimore City tax different from Baltimore County tax?
Yes. Baltimore City is an independent jurisdiction (not part of Baltimore County) and sets its own local rate at 3.2%. Baltimore County also charges 3.2% as a county-level local rate. The rates match; the jurisdictions are legally separate.
Does Maryland have State Disability Insurance?
No. Maryland does not run a State Disability Insurance program funded by employee payroll. Workers seeking short-term disability coverage typically obtain it through their employer or a private policy.

See also

Run the full Maryland paycheck calculatorCompare to Montgomery County, Maryland paycheck calculatorCompare to Prince George's County, Maryland paycheck calculatorCompare to Anne Arundel County, Maryland paycheck calculatorCompare to Howard County, Maryland paycheck calculatorCompare to Baltimore County, Maryland paycheck calculatorCompare to Frederick County, Maryland paycheck calculatorCompare to Harford County, Maryland paycheck calculatorCompare to Charles County, Maryland paycheck calculatorBrowse all city paycheck calculatorsBrowse paycheck calculators by statePaycheck and tax glossaryHow we calculate paycheck taxes

Reviewed

How This Page Is Reviewed

The Baltimore paycheck page is reviewed against primary federal, state, and city sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-04-20