Maryland SALT Cap Calculator
For Maryland filers.
The short answer: At the scenario numbers below, the OBBBA SALT deduction is $19,000 — about $4,560 back at a 24% rate ($175 per biweekly paycheck).
⚠️ This calculator provides estimates for informational and educational purposes only. It is not tax advice. Results are based on the One Big Beautiful Bill Act (OBBBA) and IRS Schedule 1-A. Consult a qualified tax professional for your specific situation.
Your State's Slice of the $40,000 Cap
Maryland's top state rate plus ~3.2% county piggyback taxes create some of the highest local SALT in the country.
- • State + county income + property → SALT to $40,000
- • Phase-out above $500,000 MFJ
- • 'Millionaire tax' brackets in some counties raise it further
Worked Example
A Montgomery County MFJ household, $340,000 MAGI: about $22,000 state + county income tax plus $7,000 property tax.
- • Deductible amount: $19,000
- • Federal income tax savings: $4,560 (at the 24% marginal rate)
- • Per biweekly paycheck: $175
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Frequently Asked Questions
Are Maryland county piggyback taxes deductible?
Yes — county income taxes are local income taxes within SALT.
Is Maryland a top winner from the cap increase?
Yes — MoCo/Howard households commonly exceed $25,000 SALT that the old cap cut.