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Maryland Bonus Paycheck Calculator

A bonus paid in Maryland is withheld at the flat 22% federal supplemental rate in 2026 (37% on amounts above $1 million), plus FICA of 7.65% and Maryland's graduated income tax (2% to 6.5%). Your final tax bill is settled when you file, not at withholding.

How are bonuses taxed in Maryland?

In Maryland, your employer withholds a flat 22% federal supplemental rate and 7.65% FICA, plus Maryland's graduated income tax (2% to 6.5%), so roughly 30–35% of a bonus is typically withheld up front. Withholding isn't your final tax: at filing time a bonus is ordinary income, so any over-withholding comes back as a refund. Against the 5 states Maryland borders, the same a $10,000 bonus is worth $6,560 here: Pennsylvania keeps $168 more ($6,728), West Virginia leaves $7 less ($6,553), Virginia leaves $100 less ($6,460), Delaware leaves $185 less ($6,375) and District of Columbia leaves $353 less ($6,207). Pennsylvania is the only border worth crossing for the tax alone.

Calculate your exact bonus take-home pay

Your bonus take-home

$3,193

from $5,000 bonusFor a $5,000 bonus · Maryland · single

Take-home 64%Taxes 36%
Bonus amount$5,000
Federal tax−$1,100
State tax−$325
Social Security−$310
Medicare−$73
Net bonus$3,193

Estimate based on 2026 federal and Maryland tax rules updated Oct 2026 How we calculate

Your details

Taxation method

Most common: a flat 22% federal rate is withheld on the bonus.

More options Base salary

What a bonus is actually worth in Maryland

On top of a $75,000 salary in Maryland, here is what each extra dollar survives federal tax, Maryland income tax and FICA in 2026:

BonusGrossMaryland taxYou keepShare kept
$5,000 bonus$5,000$238$3,28065.6%
$10,000 bonus$10,000$475$6,56065.6%
$25,000 bonus$25,000$1,188$16,40065.6%

Maryland takes about 4.8% of that money on top of the 22% federal marginal rate and 7.65% FICA.

How Maryland ranks on bonuses

Across all 50 states and DC, Maryland ranks 28th for what a $10,000 bonus leaves in 2026. That is $5 less than the median state ($6,565), and $543 more than California, where the same a $10,000 bonus leaves $6,017.

The best outcome anywhere is $7,035 in Alaska and the other states with no wage income tax, $475 more than Maryland keeps.

Maryland bonuses against the states next door

Crossing a state line changes what the same bonus is worth without changing what you are paid. Here is a $10,000 bonus in Maryland against the states it borders:

StateState income taxYou keepvs Maryland
Maryland$475$6,560—
Delaware$660$6,375$185 less
District of Columbia$828$6,207$353 less
Pennsylvania$307$6,728$168 more
Virginia$575$6,460$100 less
West Virginia$482$6,553$7 less

Local income tax on bonuses in Maryland

24 jurisdictions in Maryland levy an income tax of their own on top of the state rate. The calculator above does not include them, so add this if you live or work in one:

JurisdictionResident rateCost on $85,000
Kent County3.30%$2,694
Dorchester County3.30%$2,694
Baltimore City3.20%$2,613
Montgomery County3.20%$2,613
Prince George's County3.20%$2,613
Baltimore County3.20%$2,613
Howard County3.20%$2,613
Calvert County3.20%$2,613

How Maryland bonus withholding works

Short answer: your employer withholds a flat 22% for federal income tax (the supplemental rate), plus 7.65% for Social Security and Medicare, plus Maryland withholding on top: typically 30–35% of a Maryland bonus withheld up front. Bonuses aren't actually taxed at a higher rate, though: at tax time they're ordinary income, and any over-withholding comes back in your refund. Here's how each piece works.

  • Federal supplemental rate: Most employers withhold federal income tax from bonuses at a flat 22%, $2,200 on a $10,000 bonus, or 37% above $1 million a year, regardless of your regular bracket.
  • Maryland state tax: Bonus income is ultimately taxed through Maryland's graduated income tax (2% to 6.5%). The calculator estimates the Maryland share based on your inputs. Local income taxes in some Maryland cities or counties are not included.
  • FICA taxes still apply: Social Security (6.2% up to the annual wage base) and Medicare (1.45%, plus 0.9% for high earners) come out of a bonus like any wage: $765 on $10,000.
  • Over-withholding is common: The flat 22% federal rate is often higher than your actual effective rate, and the difference comes back as a refund. In Maryland the whole $10,000 nets $6,560 once state tax and FICA are in.

Your actual bonus tax depends on your total annual income, not the bonus alone: these figures assume a $75,000 Maryland salary. Enter your own numbers above for an estimate that fits your situation.

Frequently Asked Questions

Typically 30–35%: a flat 22% federal supplemental withholding, 7.65% FICA, and Maryland's graduated income tax (2% to 6.5%). Your actual tax owed depends on your full-year income and may be lower: the difference comes back as a refund when you file.

The IRS requires employers to withhold federal income tax from supplemental wages (including bonuses) at a flat 22% rate for amounts up to $1 million, rising to 37% above that. Your employer may alternatively add the bonus to your regular paycheck and withhold using the aggregate method. Worked through for Maryland: a $10,000 bonus keeps $6,560: 65.6% of it, after $475 of Maryland income tax.

It depends on your total annual income and tax bracket. If the 22% flat withholding rate is higher than your actual effective rate on the bonus, you'll get the difference back as a refund; if you're in a higher bracket, you may owe more. On a $75,000 salary in Maryland, a bonus is taxed at about 22% federally plus 4.8% to Maryland, so the 22% flat rate is close to the mark at that income.

Yes: as regular income. Some employers withhold Maryland tax on bonuses at a supplemental rate, but what you ultimately owe is determined by Maryland's graduated income tax (2% to 6.5%) applied to your full-year income. Local income taxes in some Maryland cities or counties are not included.

Splitting a bonus across pay periods can reduce withholding if your employer uses the aggregate method, which annualizes your income, but it changes the timing, not the amount you ultimately owe. Where you live changes the amount: Maryland ranks 28 of 51 on what a $10,000 bonus leaves, against $6,565 in the median state and $6,017 in California.

Against the 5 states Maryland borders, the same a $10,000 bonus is worth $6,560 here: Pennsylvania keeps $168 more ($6,728), West Virginia leaves $7 less ($6,553), Virginia leaves $100 less ($6,460), Delaware leaves $185 less ($6,375) and District of Columbia leaves $353 less ($6,207). Pennsylvania is the only border worth crossing for the tax alone.

Maryland's progressive brackets are so compressed at the bottom (first three brackets cover only $1,000-$3,000) that virtually all taxpayers earning above $5,000-$10,000 pay the 4.75%-5.75% rates on almost all their income. A $100,000 earner pays 4.75%-5.75% on approximately $97,000+ of their income, making their effective rate around 4.7%-5.7%: essentially a flat-like 5% rate for most taxpayers. The 'progressive' label is technically accurate but practically irrelevant for most earners.

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