City paycheck calculator

Charles County, Maryland Paycheck Calculator (2026)

Enter your annual salary below to see your Charles County, Maryland take-home pay after federal, state, FICA, and city/local taxes for 2026.

Enter your salary to begin

Type above or pick a quick salary to see your 2026 take-home pay instantly.

Quick answer

Charles County residents pay Maryland's progressive state income tax topping at 6.5% plus a 3.03% county income tax administered by the county. At $85,000 single, the after-tax estimate including state and county is $62,226. Charles sits below the statewide cap, in Maryland's mid-band county-rate cluster.

Charles County occupies southern Maryland on the western shore of the Potomac River, with La Plata as the county seat. The county levies a 3.03% county income tax on resident wages, below Maryland's statewide cap. MD's county income tax applies universally across all 24 jurisdictions, with rates spanning from low-tax Talbot through the statewide cap used by Montgomery, Howard, Prince George's, Baltimore County, and Baltimore City; Charles sits in the mid-band without hitting the cap. Naval Surface Warfare Center Indian Head Division, established in 1890 and converted to energetics R&D in the 20th century, occupies the western edge of the county and remains one of the largest US naval research installations specializing in propellants and explosives. Mallows Bay, south of Indian Head, holds the largest WWI-era wooden ghost fleet in the Western Hemisphere, designated a NOAA National Marine Sanctuary in 2019 with more than 100 sunken hulls visible at low tide. La Plata was struck by an F4 tornado on April 28, 2002, the strongest twister on record in Maryland; the rebuilt downtown remains a defining local landmark. Waldorf, the largest unincorporated community, anchors the population center along US-301. MD wages carry no SDI deduction beyond the universal county-income-tax layer. At $85,000 for a single Charles County resident, federal income tax is $9,870, Maryland state tax is $3,826, FICA combined is $6,503, and the county line is $2,576, leaving take-home of $62,226. Switch the calculator above to a different salary or filing status to see the Charles County math respond.

$85,000 single filer take-home comparison

Charles County, Maryland

$62,200

Maryland (no city tax)

$62,400

Texas (no income tax)

$68,600

Charles County, Maryland take-home is -$200 vs the state-only figure and -$6,400 vs the no-income-tax baseline.

Charles County, Maryland local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0+3.03%

What this estimate includes

This calculator computes Charles County, Maryland take-home pay using 2026 federal brackets after the standard deduction, FICA contributions (Social Security up to the annual wage base, Medicare on all wages, plus the Additional Medicare Tax above the filing-status threshold), Maryland's state income tax schedule, the Charles County, Maryland local income tax. It excludes employer-side payroll taxes, custom W-4 elections, supplemental-wage handling for bonuses or equity vesting, and income from sources other than W-2 wages. Per-city resident and non-resident rules are described in the prose above where they differ.

Charles County, Maryland paycheck FAQ

What is the federal tax bill on $85,000 single in Charles County?
The federal slice at $85,000 for a single filer is $9,870, with the marginal rate at 22% on the top slice after the standard deduction. Federal mechanics work the same in every US state, so a Charles County single filer sees the same federal line as an Anne Arundel or Frederick counterpart on the same gross.
How much Maryland state tax does someone owe in Charles County?
Maryland state income tax at $85,000 single is approximately $3,826, with the progressive schedule reaching 6.5% on the highest incomes. Charles County's 3.03% adds to the same Maryland taxable income base. The combined state-and-county burden sits below the cap counties but above the lowest-rate Anne Arundel band.
Where does Charles sit within Maryland's county-tax range?
Charles sits at 3.03%, in Maryland's mid-band county-rate cluster between Anne Arundel (below) and the cap counties (Montgomery, Howard, Prince George's, Baltimore County, Baltimore City) at the top. The county has historically held its rate near but not at the statewide cap, reflecting its mix of military and residential employment.
How much does a 401(k) contribution save at $85,000 in Charles County?
Pre-tax 401(k) and HSA contributions at $85,000 reduce federal and Maryland taxable income at a combined marginal rate of 26.75%. The county tax piggybacks on the same Maryland taxable income base, so each deferred dollar also trims the Charles County line in parallel with the federal and state.
What changes for married filing jointly, head of household, or filing separately at $85,000 in Charles County?
MFJ at the same gross widens take-home to $66,415, a $4,189 swing more the single estimate. Wider federal MFJ brackets and the doubled federal standard deduction drive most of the change. Maryland's MFJ bracket schedule widens upper boundaries, and Charles's 3.03% county rate applies neutrally across all four filing statuses. Head of Household reaches about $65,148, around $2,922 more than Single, and combined MFS take-home runs about $4,189 less than MFJ.
How does Charles County compare to Anne Arundel County?
Anne Arundel, across the Patuxent River on the Chesapeake Bay side, sits below Charles County's 3.03% at its own county rate. An Anne Arundel resident at $85,000 keeps slightly more after the county line than a Charles counterpart on the same gross. Both share heavy federal-military employment via Fort Meade and Indian Head NSWC.

Reviewed

How This Page Is Reviewed

The Charles 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

2026-06-25