Last updated: 2025 BLS data · Page refreshed:
How much does a Occupational Therapists actually take home in Maryland?
Progressive (up to 5.8%) — 26.7% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Occupational Therapists earning $106,980 in Maryland (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $106,980 | — |
| Federal Income Tax | -$15,376 | 14.4% |
| Maryland State Income Tax | -$5,046 | 4.7% |
| Social Security (OASDI) | -$6,632 | 6.2% |
| Medicare | -$1,551 | 1.5% |
| Total Taxes | -$28,607 | 26.7% |
| Take-Home Pay | $78,372 | 73.3% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Occupational Therapists in Maryland.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $76,650 | -$18,156 | $58,493 | 23.7% |
| 25th Percentile (P25) | $87,650 | -$21,940 | $65,709 | 25.0% |
| Median (P50) | $106,980 | -$28,607 | $78,372 | 26.7% |
| 75th Percentile (P75) | $123,700 | -$34,572 | $89,127 | 27.9% |
| 90th Percentile (P90) | $132,300 | -$37,742 | $94,557 | 28.5% |
After federal income tax ($15,376), state tax ($5,046), and FICA ($8,183), a Occupational Therapists in Maryland takes home $78,372 per year — or $6,531 per month. The effective tax rate of 26.7% is moderate compared to the national range.
A Occupational Therapists in Maryland loses 26.7% of gross pay to taxes — higher than the ~25% national midpoint. Of the $106,980 gross, $78,373 lands in the paycheck after federal ($15,377), state ($5,046), and FICA ($8,184) withholding.
Maryland uses a progressive state income tax, so brackets escalate as wages rise. For this Occupational Therapists salary the state tax works out to $5,046 (4.7% effective) — on top of federal and FICA.
Federal tax on this Occupational Therapists salary is $15,377 (54%), but combined state ($5,046, 18%) + FICA ($8,184, 29%) make up the other 46% of the bill.
Moving this same Occupational Therapists salary to a zero-state-tax state would yield around $83,419 net — a gain of $5,046 (6.4%) per year versus Maryland.
For Occupational Therapists after-tax pay, Maryland ranks #9 of 51 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $78,373 net/year works out to $6,531/month or $3,014/bi-weekly for this Occupational Therapists in Maryland — the numbers that actually hit a checking account after every deduction.
Where does a Occupational Therapists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Maryland ranks #9 out of 51 states for Occupational Therapists after-tax take-home pay.
A Occupational Therapists in Maryland earning a median salary of $106,980 will take home approximately $78,372 per year after federal income tax ($15,376), state income tax ($5,046), and FICA ($8,183). That is $6,531 per month or $3,014 per bi-weekly paycheck.
The effective total tax rate for a Occupational Therapists in Maryland is 26.7%, broken down as: federal income tax 14.4%, 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 Occupational Therapists's median salary of $106,980, the state income tax amounts to $5,046 per year, which is an effective state rate of 4.7%.
After all taxes, a Occupational Therapists in Maryland takes home approximately $6,531 per month, or about $37.68 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 $106,980 for Occupational Therapists 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 — $78,372/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