Virginia → Maryland
How much could you save by moving from Virginia (2% – 5.75%) to Maryland (2% – 5.75%)? See the full tax comparison below.
Tax Savings by Income Level
| Income | Virginia Total Tax | Maryland Total Tax | Annual Savings |
|---|---|---|---|
| $75,000 | $16,836 | $16,448 | Save $388 |
| $100,000 | $25,686 | $25,048 | Save $638 |
| $150,000 | $44,004 | $42,975 | Save $1,029 |
| $200,000 | $61,222 | $60,029 | Save $1,193 |
Based on single filer, standard deduction, 2025 tax year. Includes federal income tax, state income tax, and FICA.
Why the difference
You'd save $638/year ($53/month) in Maryland vs Virginia.
Tax structure
Virginia uses progressive brackets up to 5.8%, while Maryland uses progressive brackets up to 5.8%.
Effective rate at your income
At $100,000, Maryland's effective state rate is 3.9% vs 4.6% in Virginia — a 0.6 percentage point gap.
Tip: In a progressive-bracket state, pre-tax 401(k) and HSA contributions reduce your state tax bill along with federal tax. If you are near a bracket boundary, an additional contribution can drop you into a lower state bracket.
Tip: In a progressive-bracket state, pre-tax 401(k) and HSA contributions reduce your state tax bill along with federal tax. If you are near a bracket boundary, an additional contribution can drop you into a lower state bracket.
Calculate your exact savings →
Enter your income, filing status, and home value for a personalized Virginia → Maryland comparison.
Understanding Each State
Virginia
This state uses a progressive income tax system with multiple brackets, similar to the federal system. Only the income within each bracket is taxed at that rate, so your effective state rate is lower than the top bracket. Tax planning strategies include maximizing pre-tax retirement contributions to reduce state-taxable income.
Tip: In a progressive-bracket state, pre-tax 401(k) and HSA contributions reduce your state tax bill along with federal tax. If you are near a bracket boundary, an additional contribution can drop you into a lower state bracket.
Maryland
This state uses a progressive income tax system with multiple brackets, similar to the federal system. Only the income within each bracket is taxed at that rate, so your effective state rate is lower than the top bracket. Tax planning strategies include maximizing pre-tax retirement contributions to reduce state-taxable income.
Tip: In a progressive-bracket state, pre-tax 401(k) and HSA contributions reduce your state tax bill along with federal tax. If you are near a bracket boundary, an additional contribution can drop you into a lower state bracket.
Related Resources
Frequently asked questions
How much can I save moving from Virginia to Maryland?
At $100,000 income (single filer), you could save $637.5 per year in combined taxes by moving from Virginia to Maryland. The actual savings depend on your income, filing status, and whether you own property.
Do I have to file taxes in Virginia if I move to Maryland?
If you move mid-year, you may need to file a part-year resident return in Virginia and a part-year or full-year return in Maryland. Establish your new domicile (driver's license, voter registration, etc.) to clearly document the move date.
What taxes should I compare besides income tax?
Beyond state income tax, compare property tax rates, sales tax, and any special taxes (e.g., estate tax, capital gains surtax). States with no income tax often have higher property or sales taxes that partially offset the savings.