Massachusetts vs 
Maryland
Take-home pay after federal tax, state income tax, and FICA — calculated with the same engine as our paycheck calculator.
By Sammy S. · Founder · AuthorUpdated for 2026
Winner at $100k
Massachusetts
Extra take-home / year
$1,554
Per month
$130
Over 10 years
$15,540
Moving from Maryland → Massachusetts at $100,000
Metric vs metric
Lower tax and cost figures generally favor the highlighted cell. Rate structure notes sit under each state's calculator link.
| Metric | Massachusetts | Maryland |
|---|---|---|
| Income tax | 5% · Flat 5% | 6.50% · Progressive (top 6.50%) |
| Combined sales tax | ~6.25% | ~6% |
| Effective property tax | ~1% | ~0.92% |
| Cost of living index | 147.8 | 121.1 |
| Median household income | $97,200 | $96,800 |
| Unemployment rate | 3.5% | 3.8% |
Dig into each state's paycheck
Massachusetts rate structure
Flat 5% state income tax on taxable wages (before credits).
Maryland rate structure
Progressive brackets with a top marginal rate of about 6.50%.
Overview
Massachusetts (Flat 5%) vs Maryland (Progressive (top 6.50%)). At $100,000 gross (single), Massachusetts typically leaves you with about $1,554 more take-home than Maryland after federal, state, and FICA. Sales tax ~6.25% vs ~6%; property tax ~1% vs ~0.92%. Median household income (ACS 2024): $97,200 vs $96,800.
Take-home by income
Net pay after federal income tax, state income tax, and FICA — single filer, standard deduction, no dependents (2026). Advantage is take-home in Maryland minus Massachusetts.
| Gross | Massachusetts take-home | Maryland take-home | Advantage |
|---|---|---|---|
| $50,000 | $39,415 | $38,796 | −$619 |
| $75,000 | $57,183 | $56,096 | −$1,087 |
| $100,000Headline | $73,300 | $71,746 | −$1,554 |
| $150,000 | $104,971 | $102,322 | −$2,649 |
| $200,000 | $137,167 | $133,222 | −$3,945 |
| $500,000 | $311,077 | $298,661 | −$12,416 |
Assumptions: single filer, standard deduction, no dependents, tax year 2026. At $100k: FICA ≈ $7,650 in both states; effective total tax rate ≈ 26.7% in Massachusetts vs 28.3% in Maryland. Local city taxes are not included unless noted.
$100k tax breakdown: Massachusetts vs Maryland
Where a $100,000 paycheck goes after federal income tax, state income tax, and FICA (2026, single filer).
| Line item | Massachusetts | Maryland |
|---|---|---|
| Gross pay | $100,000 | $100,000 |
| Federal income tax (est.) | $13,170 | $13,170 |
| State income tax | $5,000 | $7,434 |
| FICA (SS + Medicare) | $7,650 | $7,650 |
| Take-home pay | $73,300 | $71,746 |
| Effective total tax rate | 26.7% | 28.3% |
| Monthly take-home | $6,108 | $5,979 |
Federal estimates can differ slightly between states when state interactions affect taxable income. Combined sales tax ~6.25% (Massachusetts) vs ~6% (Maryland); effective property tax ~1% vs ~0.92%.
Pros & cons: Massachusetts vs Maryland
Tax structure, living costs, and lifestyle trade-offs beyond the paycheck number.
Massachusetts
Pros
- Lower top/marginal state rate (Flat 5%) than Maryland (Progressive (top 6.50%))
- About $1,554/year more take-home at $100k gross (single) vs Maryland
- Modeled with our 2026 federal + state + FICA paycheck engine
Cons
- −Higher effective property tax (~1% vs ~0.92% in Maryland)
- −Higher cost of living index (147.8 vs 121.1; 100 = US average)
- −Local city/county taxes and credits are not fully modeled in the headline ladder
Maryland
Pros
- Lower effective property tax (~0.92% vs ~1% in Massachusetts)
- Lower cost of living index (121.1 vs 147.8; 100 = US average)
- Modeled with our 2026 federal + state + FICA paycheck engine
Cons
- −State income tax (Progressive (top 6.50%)) reduces take-home vs a $0-income-tax peer
- −Roughly $1,554/year less take-home at $100k vs Massachusetts
- −Local city/county taxes and credits are not fully modeled in the headline ladder
Who wins when
Quick read on when each state is the better fit — beyond the headline tax number.
- Massachusetts wins on take-home pay at every salary band in our ladder (single filer, standard deduction).
- Massachusetts: Lower top/marginal state rate (Flat 5%) than Maryland (Progressive (top 6.50%))
- Massachusetts: About $1,554/year more take-home at $100k gross (single) vs Maryland
- Maryland: Lower effective property tax (~0.92% vs ~1% in Massachusetts)
- Maryland: Lower cost of living index (121.1 vs 147.8; 100 = US average)
How we calculate Massachusetts vs Maryland
Tax engine. Federal income tax uses 2026 IRS brackets and the standard deduction for a single filer. FICA includes Social Security and Medicare employee shares. State income tax applies Massachusetts's and Maryland's rules as modeled in our US calculator (Flat 5% vs Progressive (top 6.50%)).
What's included. Wage income only — no capital gains, self-employment tax, itemized deductions, credits, or local city wage taxes (e.g. NYC) unless noted. Sales tax (~6.25% vs ~6%) and property tax (~1% vs ~0.92%) are context metrics, not subtracted from the take-home ladder.
Cost of living. COL indexes (147.8 vs 121.1, 100 = US average) and median household income ($97,200 vs $96,800) help interpret whether a paycheck win buys more in real life. For city-level equivalent salary, use the Massachusetts → Maryland relocation calculator.
Frequently asked questions
Common questions about Massachusetts vs Maryland taxes, take-home pay, and relocation.
Moving Massachusetts → Maryland?
Model cost-of-living equivalent salary, or open each state's paycheck calculator with your filing status and deductions.
Related tools
Estimates only for tax year 2026. Not tax advice — verify with your state tax agency or a CPA before relocating. Figures assume a single filer with the standard deduction and no dependents.