Maryland · True take-home pay for where you actually live
Montgomery County, Maryland paycheck calculator
Montgomery County’s local income tax is 3.20% of Maryland taxable net income in the Comptroller’s 2026 withholding facts. It is not a surcharge on the state bill; it rides the same taxable base the state brackets use. On a middle salary the county line often rivals the state line. Leaving the county off is how a Maryland offer gets flatter than your stub.
Maryland’s state brackets run from 2% through new high-income rates of 6.25% and 6.5%. The personal exemption is $3,200 and phases out as income climbs. The standard deduction is small, $3,350 single and $6,700 joint. A traditional 401(k) lowers the shared base, so both state and county fall together. FICA does not move.
Other Maryland counties are a custom percent on the state page. Baltimore City is also 3.20% and has its own page. Nonresidents are simplified here at 2.25% when you uncheck live-here; that matches a withholding convention, not every return. Reciprocity with D.C., Virginia, West Virginia, and Pennsylvania can change which jurisdiction withholds first, and this estimate still taxes Maryland when you open this page.
Example take-home
| Salary | Federal | FICA | State | Payroll | Local | Net / year | Net / check |
|---|---|---|---|---|---|---|---|
| $40,000.00 | $2,620.00 | $3,060.00 | $1,536.38 | $0.00 | $1,070.40 | $31,713.22 | $1,219.74 |
| $60,000.00 | $5,020.00 | $4,590.00 | $2,486.38 | $0.00 | $1,710.40 | $46,193.22 | $1,776.66 |
| $80,000.00 | $8,770.00 | $6,120.00 | $3,436.38 | $0.00 | $2,350.40 | $59,323.22 | $2,281.65 |
| $100,000.00 | $13,170.00 | $7,650.00 | $4,386.38 | $0.00 | $2,990.40 | $71,803.22 | $2,761.65 |
| $150,000.00 | $24,734.00 | $11,475.00 | $7,084.13 | $0.00 | $4,692.80 | $102,014.07 | $3,923.62 |
Loading the 2026 calculator…
What this page includes
- Federal income tax using the 2026 standard deduction and Rev. Proc. 2025-32 brackets
- Social Security (6.2% up to $184,500) and Medicare (1.45%, plus Additional Medicare when wages clear the filing-status threshold)
- Maryland: graduated state income tax (top 6.5%)
- No employee state disability / paid-leave premium modeled for this state yet
- Local: Montgomery County, Maryland (Maryland Comptroller · 2026 local rates)
Local tax
Montgomery County, Maryland is modeled as a flat local tax: 3.2% for residents and 2.25% for nonresidents (when the rates differ). Use the live-here switch for resident versus nonresident treatment. Montgomery County's 2026 local income tax rate is 3.20% of Maryland taxable net income. Every Maryland county plus Baltimore City levies a local rate; only Montgomery County and Baltimore City are built as named jurisdictions. Other counties can be entered with the custom percent. The nonresident switch uses 2.25%, the rate Maryland uses for many nonresident withholding situations, and is a simplification.
What is not included
Credits, itemized deductions, multi-state credits, property tax, sales tax, and unsourced local rates are not included. Employer payroll tables can differ from this annualized estimate. This Montgomery County, Maryland page does not invent taxes that are missing from the 2026 data files.
Questions
What is Montgomery County’s local tax rate in 2026?
3.20% of Maryland taxable income for residents, per the Comptroller’s withholding facts.
Is the county tax a percent of the state tax?
No. It is a percent of the same Maryland taxable income the state brackets use.
Does a 401(k) reduce the county line?
Yes in this model. The deferral lowers taxable income for both the state and the county.
Nearby
Compare · Bonus · Hourly · Maryland (state) · Maryland (state) · Baltimore City · All states · Local taxes
Sources
- IRS newsroom, tax year 2026 inflation adjustments (Rev. Proc. 2025-32)
- Rev. Proc. 2025-32 (PDF)
- Tax Foundation, 2026 federal income tax brackets
- IRS Publication 15-T, Federal Income Tax Withholding Methods
- SSA, Contribution and benefit base
- IRS Publication 15 (Circular E), Employer's Tax Guide
- IRS, Questions and answers for the Additional Medicare Tax
- Tax Foundation, State Individual Income Tax Rates and Brackets, 2026
- IRS, state government websites index
- Comptroller of Maryland, Withholding Tax Facts 2026
See a rate that looks wrong? The sources and the gaps are public.