Last updated: 2025 BLS data · Page refreshed:
How much does a Medical Records Specialists actually take home in Maryland?
Progressive (up to 5.8%) — 20.6% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Medical Records Specialists earning $54,220 in Maryland (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $54,220 | — |
| Federal Income Tax | -$4,522 | 8.3% |
| Maryland State Income Tax | -$2,522 | 4.7% |
| Social Security (OASDI) | -$3,361 | 6.2% |
| Medicare | -$786 | 1.5% |
| Total Taxes | -$11,193 | 20.6% |
| Take-Home Pay | $43,026 | 79.4% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Medical Records Specialists in Maryland.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $35,400 | -$6,601 | $28,798 | 18.6% |
| 25th Percentile (P25) | $44,210 | -$8,750 | $35,459 | 19.8% |
| Median (P50) | $54,220 | -$11,193 | $43,026 | 20.6% |
| 75th Percentile (P75) | $65,770 | -$14,413 | $51,356 | 21.9% |
| 90th Percentile (P90) | $82,090 | -$20,027 | $62,062 | 24.4% |
After federal income tax ($4,522), state tax ($2,522), and FICA ($4,147), a Medical Records Specialists in Maryland takes home $43,026 per year — or $3,585 per month. The effective tax rate of 20.6% is relatively low compared to the national range.
With an effective total rate of 20.6%, a Medical Records Specialists in Maryland keeps $43,027 of $54,220 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Maryland uses a progressive state income tax, so brackets escalate as wages rise. For this Medical Records Specialists salary the state tax works out to $2,523 (4.7% effective) — on top of federal and FICA.
Federal tax on this Medical Records Specialists salary is $4,522 (40%), but combined state ($2,523, 23%) + FICA ($4,148, 37%) make up the other 60% of the bill.
Moving this same Medical Records Specialists salary to a zero-state-tax state would yield around $45,550 net — a gain of $2,523 (5.9%) per year versus Maryland.
Maryland ranks #20 of 51 states for Medical Records Specialists after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $43,027 net/year works out to $3,586/month or $1,655/bi-weekly for this Medical Records Specialists in Maryland — the numbers that actually hit a checking account after every deduction.
Where does a Medical Records Specialists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Maryland ranks #20 out of 51 states for Medical Records Specialists after-tax take-home pay.
A Medical Records Specialists in Maryland earning a median salary of $54,220 will take home approximately $43,026 per year after federal income tax ($4,522), state income tax ($2,522), and FICA ($4,147). That is $3,585 per month or $1,654 per bi-weekly paycheck.
The effective total tax rate for a Medical Records Specialists in Maryland is 20.6%, broken down as: federal income tax 8.3%, Maryland state tax 4.7%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
Maryland has a progressive (up to 5.8%). On a Medical Records Specialists's median salary of $54,220, the state income tax amounts to $2,522 per year, which is an effective state rate of 4.7%.
After all taxes, a Medical Records Specialists in Maryland takes home approximately $3,585 per month, or about $20.69 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $54,220 for Medical Records Specialists in Maryland, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Maryland state income tax (progressive (up to 5.8%)), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $43,026/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR