Maryland variant. This is a Maryland-specific version of the Workers Comp Cost Estimator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Workers Comp Cost Estimator.
Workers' compensation premiums in Maryland are priced per $100 of payroll, by job classification. On a $98,461 salary at an illustrative $1.00 rate, the annual premium is about $985.
How Maryland workers' comp is priced
Premium = (payroll ÷ 100) × class rate × experience modifier. Clerical roles carry low rates; construction and trucking carry much higher ones.
Maryland sets its own rules and rates. The calculator above lets you enter your real payroll, class rate, and mod factor for an accurate Maryland estimate.
About taxes and housing in Maryland
Maryland combines a state income tax with mandatory county income taxes, so the combined rate varies significantly by where you live.
Maryland's property taxes are near the national average and include both state and county components.
Maryland consistently ranks among the highest in median household income, driven by federal government, biotech, and defense employment near Washington, D.C.
Worked example: $98,461 payroll
($98,461 ÷ 100) × $1.00 = $985/year at a sample clerical rate. A construction class rate of $8.00 would make it $7,877.
Quick reference
- State income tax: 2-5.75% plus county tax (up to 3.2%)
- State sales tax: 6% (plus 0.00% avg local)
- Median home value: $425,000
- Median household income: $98,461
- Effective property tax rate: 1.02%
- Avg auto insurance: $1,640/yr
Frequently Asked Questions
How is workers' comp calculated in Maryland?
By payroll ÷ 100 × class rate × experience modifier, using Maryland's approved rates.
Is workers' comp required in Maryland?
Most Maryland employers must carry coverage once they have employees; rules vary by industry and headcount.