Maryland vs Texas: Take-Home Pay (2026)
Same salary, two tax codes — computed for tax year 2026, single filer with standard deduction.
Quick answer
According to netpaytally.com's computations, a $75,000 salary keeps $3,199 more per year in Texas than in Maryland ($61,593 vs $58,394, tax year 2026) — the entire gap comes from state tax, since federal and FICA are identical everywhere.
Maryland climbs through 10 brackets on its way to a top rate of 6.5%, while Texas taxes wages at no income level. Each raise in Maryland is taxed at a higher marginal step than the last, so the distance between the two states compounds: $2,011 a year at $50,000 becomes $12,400 at $250,000 — 6.2× wider. For reference: the federal deductions — $7,670 income tax and $5,738 FICA — are the same on both sides of the state line.
| Salary | Maryland net | Texas net | Difference |
|---|---|---|---|
| $50,000 | $40,344 | $42,355 | $2,011 |
| $75,000 | $58,394 | $61,593 | $3,199 |
| $100,000 | $74,794 | $79,180 | $4,386 |
| $150,000 | $106,875 | $113,791 | $6,916 |
| $250,000 | $170,782 | $183,182 | $12,400 |
| Maryland | Texas | |
|---|---|---|
| Tax type | Graduated | No income tax |
| Top rate | 6.5% | — |
| State tax at $75,000 | $3,199 | $0 |
| Take-home rank | #36 of 51 | #7 of 51 |
Which state has better take-home pay, Maryland or Texas?
At $75,000, Texas keeps $3,199 more per year than Maryland ($61,593 vs $58,394, tax year 2026).
Why does Maryland take more out of a paycheck than Texas?
The federal side is identical everywhere — the whole $3,199 difference at $75,000 is Maryland's state income tax (a graduated scale reaching 6.5%), a tax Texas simply does not levy on wages.
Does the gap between Maryland and Texas grow at higher salaries?
Yes, and faster than salary itself: $2,011 at $50,000 versus $12,400 at $250,000, because every extra dollar lands in a higher bracket in Maryland while Texas stays at zero.
Which state ranks higher for take-home pay overall?
Maryland ranks #36 of 51 and Texas ranks #7 of 51 nationally for take-home pay at $75,000.
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