$Paycheck Calculator.
Updated for tax year 2026

Baltimore Paycheck Calculator

Baltimore residents pay a 3.2% Baltimore City local income tax on top of state and federal taxes; non-residents pay no city tax. Run your pay through the Maryland calculator below, then use the tables to see the Baltimore City local income tax layer with 2026 federal rates.

$/ year
$

401(k), HSA, health insurance premiums

Estimated take-home pay

$1,904.43

per bi-weekly paycheck · $49,515 / year

Gross pay
$2,500.00
Federal income tax
$216.15
Maryland income tax
$111.62
Baltimore Baltimore City local income tax
$76.55
Social Security · 6.2%
$155.00
Medicare · 1.45%
$36.25
Net pay
$1,904.43

Effective tax rate

23.8%

Marginal bracket

12.0%

Uses the 2026 federal brackets, standard deduction and FICA rates and Maryland's 2025 state rates, plus the Baltimore Baltimore City local income tax (2025 rates). Your pay stub may differ by a few dollars because payroll rounds through the IRS withholding tables.

Includes federal, Maryland state and the Baltimore Baltimore City local income tax (2025 rates) in one result.

Baltimore Baltimore City local income tax

Flat 3.2%

Charged on Maryland taxable income - the same base as the state tax, after Maryland's deduction - not on gross wages. Every Maryland county levies a local income tax and Baltimore City charges the 3.2% maximum. It follows residence, not workplace: city residents owe it wherever they work, and non-resident commuters instead pay their home county's rate (2.25%-3.2%). Withheld together with Maryland state tax as one combined amount. Figures are 2025 rates.

On top of that, Maryland has a progressive income tax from 2% to 5.75%. See the Maryland paycheck calculator.

Examples

Take-home pay in Baltimore

Single filer living in Baltimore, paid every two weeks, no pre-tax deductions, 2026 federal rates.

SalaryBaltimore tax / yrNet per checkNet / yearTax rate
$45,000$1,350$1,348$35,03522.1%
$60,000$1,830$1,765$45,89523.5%
$75,000$2,310$2,150$55,90525.5%
$100,000$3,110$2,750$71,50528.5%
$150,000$4,710$3,922$101,96832.0%

Tax rate includes federal income tax, Maryland state tax, Social Security, Medicare and the Baltimore Baltimore City local income tax. Hourly instead? The hourly paycheck calculator covers any wage - add 3.2% for the city.

The full stack

Every tax layer on a Baltimore paycheck

Baltimore pay carries four layers: federal income tax, Maryland state tax, FICA (Social Security + Medicare) and the Baltimore City local income tax. Single filer, 2026 federal rates, annual figures.

SalaryFederalMarylandFICABaltimoreAll taxesOverall rate
$75,000$7,670$3,377$5,738$2,310$19,09525.5%
$100,000$13,170$4,565$7,650$3,110$28,49528.5%
$150,000$24,734$7,113$11,475$4,710$48,03232.0%

The Baltimore column is what living in Baltimore costs on top of what the rest of Maryland pays. The breakdown behind the federal and FICA columns is in how much tax is taken out of a paycheck.

FAQ

Frequently asked questions

How much is the Baltimore Baltimore City local income tax?+

Baltimore residents pay a 3.2% Baltimore City local income tax on top of state and federal taxes; non-residents pay no city tax. Charged on Maryland taxable income - the same base as the state tax, after Maryland's deduction - not on gross wages. Figures are 2025 rates. Every Maryland county levies a local income tax and Baltimore City charges the 3.2% maximum. It follows residence, not workplace: city residents owe it wherever they work, and non-resident commuters instead pay their home county's rate (2.25%-3.2%). Withheld together with Maryland state tax as one combined amount.

How much is $75,000 after taxes in Baltimore?+

A single filer paid every two weeks takes home about $2,150 per check, or $55,905 a year, after federal tax, Maryland state tax, Social Security, Medicare and about $2,310 of Baltimore Baltimore City local income tax - an overall effective rate of 25.5%.

Do non-residents pay the Baltimore Baltimore City local income tax?+

No. The Baltimore City local income tax applies only to Baltimore residents. Commuting into the city from outside costs nothing in city tax, though your own city or county may levy its own.

What is $25 an hour after taxes in Baltimore?+

$25/hour at 40 hours a week is $52,000 a year. A single filer living in Baltimore takes home about $1,542 per biweekly check - $40,103 a year after federal tax, Maryland state tax, Social Security, Medicare and the Baltimore City local income tax. Use the calculator's hourly mode above for your own rate, hours and overtime.

Is the Baltimore Baltimore City local income tax taken out of every paycheck?+

Generally yes - employers in Baltimore withhold it each pay period alongside federal and Maryland withholding, so it shows up as its own line on the pay stub. Withheld together with Maryland state tax as one combined amount.

Sources

Estimates for planning, not tax advice. City figures are 2025 rates verified against the sources above; federal figures are 2026 IRS numbers.

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