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Frederick County, Maryland Paycheck Calculator (2026)

Last reviewed: April 20, 2026

Frederick County is in north-central Maryland and levies a 2.96% local income tax, slightly below the statutory 3.2% cap. Combined with Maryland's progressive state tax (top 5.75%), a Frederick County resident pays roughly 8.71% in state plus local income tax at higher income levels. The county's lower rate sets it apart from the larger DC-suburb counties at 3.2%. This calculator estimates 2026 take-home pay for a Frederick County resident after federal tax, FICA, Maryland state tax, and the Frederick County local rate. It supports pre-tax 401(k) and HSA deductions.

$85,000 single filer take-home comparison

Frederick County, Maryland

$62,100

Maryland (no city tax)

$62,200

Texas (no income tax)

$68,600

Frederick County, Maryland take-home is -$100 vs the state-only figure and -$6,500 vs the no-income-tax baseline.

Frederick County, Maryland local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0+2.96%

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Frederick County, Maryland paycheck FAQ

How does Frederick County's rate compare to Montgomery County, just south?
Frederick County sits at 2.96%, Montgomery at the 3.2% cap. The 0.24-point difference is small but produces a measurable gap on similar gross incomes over a full year.
Does the city of Frederick impose any tax on top of the county?
No. The city of Frederick (the county seat) does not levy a separate municipal income tax. The 2.96% county rate is the only local income tax line for a Frederick city or Frederick County resident.
Why is Frederick County's rate below the cap?
Maryland counties choose their local rate within the statutory range. Frederick has historically held its rate below the 3.2% maximum, reflecting different fiscal choices than the higher-rate counties.

See also

Run the full Maryland paycheck calculatorCompare to Baltimore 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 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 Frederick County, Maryland 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