Last updated: 2025 BLS data · Page refreshed:
How much does a Physical 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 Physical Therapists earning $106,890 in Maryland (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $106,890 | — |
| Federal Income Tax | -$15,356 | 14.4% |
| Maryland State Income Tax | -$5,042 | 4.7% |
| Social Security (OASDI) | -$6,627 | 6.2% |
| Medicare | -$1,549 | 1.4% |
| Total Taxes | -$28,575 | 26.7% |
| Take-Home Pay | $78,314 | 73.3% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Physical Therapists in Maryland.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $79,990 | -$19,305 | $60,684 | 24.1% |
| 25th Percentile (P25) | $96,880 | -$25,115 | $71,764 | 25.9% |
| Median (P50) | $106,890 | -$28,575 | $78,314 | 26.7% |
| 75th Percentile (P75) | $125,440 | -$35,210 | $90,229 | 28.1% |
| 90th Percentile (P90) | $138,630 | -$40,077 | $98,552 | 28.9% |
After federal income tax ($15,356), state tax ($5,042), and FICA ($8,177), a Physical Therapists in Maryland takes home $78,314 per year — or $6,526 per month. The effective tax rate of 26.7% is moderate compared to the national range.
A Physical Therapists in Maryland loses 26.7% of gross pay to taxes — higher than the ~25% national midpoint. Of the $106,890 gross, $78,314 lands in the paycheck after federal ($15,357), state ($5,042), and FICA ($8,177) withholding.
Maryland uses a progressive state income tax, so brackets escalate as wages rise. For this Physical Therapists salary the state tax works out to $5,042 (4.7% effective) — on top of federal and FICA.
Federal tax on this Physical Therapists salary is $15,357 (54%), but combined state ($5,042, 18%) + FICA ($8,177, 29%) make up the other 46% of the bill.
Moving this same Physical Therapists salary to a zero-state-tax state would yield around $83,356 net — a gain of $5,042 (6.4%) per year versus Maryland.
Maryland ranks #13 of 51 states for Physical Therapists after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $78,314 net/year works out to $6,526/month or $3,012/bi-weekly for this Physical Therapists in Maryland — the numbers that actually hit a checking account after every deduction.
Where does a Physical Therapists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Maryland ranks #13 out of 51 states for Physical Therapists after-tax take-home pay.
A Physical Therapists in Maryland earning a median salary of $106,890 will take home approximately $78,314 per year after federal income tax ($15,356), state income tax ($5,042), and FICA ($8,177). That is $6,526 per month or $3,012 per bi-weekly paycheck.
The effective total tax rate for a Physical Therapists in Maryland is 26.7%, broken down as: federal income tax 14.4%, Maryland state tax 4.7%, and FICA (Social Security + Medicare) 7.7%. This assumes a single filer with the standard deduction for 2024.
Maryland has a progressive (up to 5.8%). On a Physical Therapists's median salary of $106,890, the state income tax amounts to $5,042 per year, which is an effective state rate of 4.7%.
After all taxes, a Physical Therapists in Maryland takes home approximately $6,526 per month, or about $37.65 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 $106,890 for Physical 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 — $78,314/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