Salario de Enfermera Registrada en Maryland (2026)
El salario promedio de un Enfermera Registrada en Maryland es de $92,000/año. Después de impuestos, tu sueldo neto estimado es de $69,999/año ($5,833/mes).
Desglose del Sueldo Neto
| Categoría | Cantidad |
|---|---|
Sueldo Neto Anual | $69,999 |
Sueldo Neto Mensual | $5,833 |
Sueldo Neto Quincenal | $2,692 |
Sueldo Neto por Hora basado en 2,080 hrs/año | $34/hr |
Impuesto Federal | $11,410 |
Impuesto Estatal | $3,553 |
Impuestos FICA | $7,038 |
Tasa Efectiva de Impuesto impuestos totales ÷ salario bruto | 23.91% |
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Rangos de Salario de Enfermera Registrada en Maryland
No todas las Enfermera Registradas ganan lo mismo — ni de cerca
MD nursing is anchored by Johns Hopkins Hospital (~12K nurses across the JH system, the #1 US hospital in many specialties), University of Maryland Medical System (UMMS, ~14 hospitals across MD including UMMC Trauma I, UM St. Joseph, Mercy Medical, Baltimore Washington Medical Center), MedStar Health (DC+MD multi-state, ~10K MD-side nurses including MedStar Union Memorial, MedStar Franklin Square, MedStar Good Samaritan, MedStar Harbor), and Inova Health (NoVA but cross-recruits MD). Plus Anne Arundel Medical (AAMC) Annapolis, Frederick Health Frederick, Suburban Hospital (Bethesda, JH-affiliate). Here's what each tier pays in 2026:
Staff RN (BSN, 0-3 yrs)
$92,000–$118,000
New grad start at JHH / UMMS / MedStar · base + benefits + retirement match
Mid-Career RN (5-10 yrs)
$115,000–$148,000
Standard staff at JHH / UMMS / MedStar / AAMC · base + shift differential + OT
Senior Specialty RN (ICU/OR/oncology)
$135,000–$175,000
OCN / CCRN / CNOR cert + experience · JHH / Sibley tier
CRNA (Certified Registered Nurse Anesthetist)
$245,000–$305,000
DNAP + 1-yr residency · JHH / UMMS / Sibley + private practice + per-diem
Nurse Practitioner (FPA)
$132,000–$175,000
MD full practice authority since 2015 · primary + specialty
Nurse Manager
$148,000–$200,000
P&L responsibility · 24/7 coverage · JHH / UMMS senior leadership
Per-Diem / Travel RN (MD contracts)
$92K-$135K + per-diem
Hospital float pool $75-115/hr · travel contracts $2,500-3,500/wk
Critical Care / NICU Specialty
$140,000–$185,000
CCRN / RNC-NIC cert · JHH NICU / Children's National (DC) commuting MD residents
Vale la pena saber: Johns Hopkins Hospital + Johns Hopkins Bayview + Johns Hopkins All Children's anchor the world-class academic-medicine cluster — JHH ranks #1 US hospital across multiple specialties (ear/nose/throat, gynecology, ophthalmology, rheumatology, urology). UMMS operates 14+ hospitals across MD with UMMC Downtown serving as Baltimore's primary Trauma I. MedStar Health is the largest MD-DC region hospital network (10 hospitals total). Most academic-medical-center nurses participate via direct employment with strong pension (UMMS state employees) or + at JHH (private 501(c)(3)). MD nurses DO participate in Social Security. MNA-MD smaller union footprint relative to MA's MNA or CA's CNA — much MD nursing operates without union representation but with strong individual contract negotiation given JHH / UMMS scale.
Overtime, OBBBA 2025, and Maryland's MD-DC reciprocity advantage
JHH #1
Johns Hopkins Hospital ranks #1 US hospital in multiple specialties · Baltimore academic-medical anchor
MD-DC reciprocity
MD residents at DC hospitals pay only MD tax (state + county piggyback) · saves DC's 8.5-10.75%
5.75% + 3.2%
MD top + Montgomery County piggyback = 8.95% combined sub-federal
If you're picking up extra shifts at a major MD hospital, OT rules vary by employer (no statewide nursing-ratio law equivalent to CA Title 22). Most JHH / UMMS / MedStar contracts pay 1.5× after 40 hours/week, holiday premiums, weekend differentials, charge-nurse pay, on-call. Combined with abundant per-diem work at academic systems and float-pool premium, total comp routinely runs 22-30% above base for senior staff RNs.
The 2025 law (One Big Beautiful Bill Act) created a brand-new federal deduction on the premium portion of overtime pay. For tax years 2025 through 2028, you can deduct up to $12,500/year (single) or $25,000 (married filing jointly) of qualifying OT premium from your federal taxable income. Premium portion = the half of time-and-a-half. If your hourly is $52, OT pays $78 ($52 × 1.5). Only the extra $26/hour counts toward the deduction.
Real numbers for a Johns Hopkins senior ICU nurse at $52/hour base, picking up 8 OT hours a week for 50 weeks. OT premium = $52 × 0.5 × 8 × 50 = $10,400. All $10,400 is -eligible (under the $12,500 single cap). At your federal marginal bracket (~24%), that's roughly $2,500 federal back annually. MD typically conforms federal ; if state-level guidance confirms OBBBA OT conformity, Montgomery County combined 5.75% state + 3.2% county = 8.95% adds another $930 of state-plus-county savings on the same OT premium. The combined federal + MD savings make OBBBA OT particularly valuable for MD nurses.
Two catches. First, only — straight-time and shift differentials probably don't qualify. Second, phaseout — the deduction phases out above $150K single / $300K . Senior MD specialty RNs at $165K+ blow through the single threshold; married filers usually have more room.
MD-DC tax reciprocity is the structural lever for Montgomery County / PG County nurses working at DC academic hospitals. MD residents at MedStar Washington Hospital Center, GW University Hospital, Children's National Hospital, Howard University Hospital, Sibley Memorial (JH-affiliate), MedStar Georgetown pay ONLY MD state + county piggyback — DC's 8.5-10.75% non-resident rate does NOT apply (Maryland-DC reciprocity since 1973). For an MCPS-county nurse working at Children's National at $135K, the reciprocity saves $11K-$14K/year vs the alternative non-resident DC tax bill.
Maryland for nurses — the honest take
MD nursing clusters by employer + region. Baltimore is the dense academic-medical center — Johns Hopkins Hospital, JH Bayview, JH Howard County (Columbia), Sinai Hospital of Baltimore, UMMC, Mercy Medical, MedStar Union Memorial / Franklin Square / Good Samaritan all within 10 miles of downtown. Washington-DC commuter belt (Montgomery County, PG County) for MD-side nurses commuting to DC hospitals — Children's National, MedStar Washington, GW, Sibley (JH-affiliate, Bethesda but DC tax-exempt). Anne Arundel County (AAMC Annapolis), Frederick County (Frederick Health), and Eastern Shore (Atlantic General Berlin) cover regional markets.
Baltimore-area nurse housing is the most affordable major MD nursing market — Towson / Pikesville / Owings Mills $475-725K for 4BR family homes; Hopkins-adjacent Mt. Washington / Roland Park / Hampden $325-575K. Most JHH / UMMS nurses live in Baltimore County or Howard County (Columbia, Ellicott City) at $475-825K. Montgomery County (Bethesda, Potomac, Chevy Chase) — the DC-commuter zone — runs $1.0M-$1.8M for premium 4BR; most senior MD nurses commuting to DC hospitals settle in Frederick County (Frederick PS districts, lower 2.96% piggyback) or Gaithersburg/Germantown at $625K-$925K.
MD-DC reciprocity makes Montgomery County the structural value play for DC-hospital nurses. Living in Bethesda or Silver Spring + working at MedStar Washington / Children's National / Sibley pays only MD state (5.75% top) + Montgomery County piggyback (3.20%) — combined 8.95% combined — but skips DC's full 8.5-10.75% non-resident layer. Net effect for senior nurse: ~$11-14K/year savings vs DC residency. Many DC-employer nurses live in MD specifically for this reciprocity.
MD travel nursing pays $2,500-3,500/week at JHH / UMMS / MedStar contracts — solid but below NYC and Boston tier. Travel-contract nurses with NH or FL domicile can stack 0% state tax on assignment per-diem, with MD-source income still taxed at MD rates.
Most senior MD nurses retire in-state OR to lower-tax peer states. MD taxes / IRA / pension distributions at progressive 5.75% top + county piggyback (with $39,500 Pension Exclusion at 65+ for qualifying public pensions). Combined effective on $80K retirement income runs 5-7% — moderate but real. Plus property tax ~1.33% combined (1.06% county + 0.27% state) on $1M+ Montgomery housing = $13K+/year. Common destinations: Pennsylvania (0% retirement income tax + Lehigh Valley / Bucks County), Florida (Sarasota, Naples), Delaware (lower combined tax + nearby), or DE Beach communities.
How Maryland taxes work for nurses (and the MD-DC reciprocity + Johns Hopkins stack)
Maryland's state income tax runs progressive 2.0-5.75% with the top 5.75% bracket kicking in above $300K. For most senior nurses, you're in the 4.75-5.0% bracket. The complication is the county piggyback: Montgomery County 3.20%, Howard 3.20%, Anne Arundel 2.81%, Baltimore City 3.20%, Baltimore County 3.20%, PG 3.20%, Frederick 2.96%. For a $135K JHH senior ICU nurse living in Baltimore County (3.20%), combined state + county effective is ~7.5% (~$10,100/year). Same nurse living in Anne Arundel County (2.81%): ~7.2%. Frederick County (2.96%): ~7.3%.
MD-DC tax reciprocity (1973) is the structural advantage for any MD nurse working at DC academic hospitals. MD residents at MedStar Washington Hospital Center, GW University Hospital, Children's National Hospital, Howard University Hospital, Sibley Memorial pay ONLY MD state + county — DC's 8.5-10.75% non-resident rate does NOT apply. For a Montgomery County nurse working at Children's National at $135K, the reciprocity saves $11-14K annually vs the alternative double-tax exposure.
Critical advantage vs MA / NJ teachers: MD nurses DO participate in Social Security. Most academic-medical-center nurses are employed by 501(c)(3) hospitals (JHH, UMMS, MedStar non-profit hospitals) and contribute to . SS adds another $26-38K/year typically in retirement on top of voluntary /. Combined with hospital-employer 403(b) + 457(b), the retirement income picture for MD nurses is more diversified than MA / NJ teacher peers.
MD fully conforms federal on / / — pre-tax deferrals reduce both federal and MD state-plus-county taxable income. JHH offers 403(b) (private 501(c)(3)). UMMS offers 403(b) + 457(b) (state-employee structure — UMMS is a state instrumentality). MedStar offers 403(b). At a $135K JHH senior ICU nurse rate ~32% combined federal + MD state + county, maxing $24,500 saves ~$7,800/year — and at 501(c)(3) UMMS with 457(b) layered, maxing both = $47K combined saves ~$15,000/year. Special 457(b) catch-up in final 3 pre-retirement years opens $141K pre-tax window almost nobody uses.
MD full practice authority for NPs (since 2015 — H.B. 999). Senior NP at $132-175K with private practice or hospital employment. Cash-pay aesthetic NP work in Bethesda / Chevy Chase / Annapolis genuinely lucrative for entrepreneurial NPs. Travel nursing within MD pays $2,500-3,500/week at JHH-system or UMMS contracts.
MD taxes pension and distributions at progressive rate (with up to $39,500 Pension Exclusion at 65+ for qualifying public/military pensions; private 403(b) does NOT qualify for full exclusion). Social Security is fully exempt at MD state level. A senior MD nurse retiring with $80K of 403(b) + Social Security pays MD state on the 403(b) portion — combined with county piggyback, effective ~6-7% on $80K = ~$5,000/year. Property tax 1.33% combined on $1M+ Montgomery home is meaningful in retirement. Most senior MD nurses retire in-state or to PA / DE / FL.
- →MD-DC reciprocity for any DC-hospital work — pay only MD state + county piggyback, NOT DC's 8.5-10.75%. Net savings $11-14K/year for senior MoCo nurse at DC hospital.
- →Choose your residence county strategically — Anne Arundel (2.81%) or Frederick (2.96%) saves vs Montgomery / Howard / Baltimore (3.20%) for same income.
- →Max AND at UMMS (state-employee 457(b) eligible) — $47K combined federal pre-tax. At combined ~32% marginal, saves ~$15K/year in tax.
- →Pursue JHH / UMMS / MedStar / Sibley specialty + cert. Senior specialty RN $135-185K total comp. JHH-system clearly the world-class anchor.
- →Per-diem supplement at JHH / UMMS / MedStar — 1-3 shifts/month at $75-115/hour adds $15-30K/year.
- →CRNA path is the biggest comp lever — $245-305K. JHH School of Nursing DNAP + 1-yr residency. Hospital-employed at JHH / UMMS plus per-diem.
- →NP transition under 2015 FPA — $132-175K senior NP with full practice authority + collaborative-agreement structure.
- → special catch-up in final 3 years pre-retirement — $141K pre-tax window. Almost nobody uses it; ask HR.
- →Pre-retirement relocation to PA / DE / FL. $500K exclusion + IRA-rollover + Social Security to lower-tax state.
Three Maryland nursing markets — what each one looks like
MD nursing splits into Baltimore academic-medical (JHH + UMMS + MedStar), Washington-DC commuter belt (Montgomery + PG nurses at DC hospitals via reciprocity), and regional markets (Anne Arundel, Frederick, Eastern Shore). Pay overlaps but tax stacks vary by piggyback county.
Baltimore Academic-Medical (JHH / UMMS / MedStar / Mercy / Sinai)
Staff RN $115-148K · ICU/OR with cert $135-175K · CRNA $250-300KJohns Hopkins Hospital (#1 US hospital across multiple specialties), Johns Hopkins Bayview, Johns Hopkins Howard County (Columbia), University of Maryland Medical Center (UMMS Trauma I), Mercy Medical Center, Sinai Hospital, MedStar Union Memorial, MedStar Franklin Square, MedStar Good Samaritan, MedStar Harbor. Most workforce housing in Baltimore County (Towson, Pikesville, Owings Mills) at $475-725K, Howard County (Columbia, Ellicott City) at $625K-$1.0M, or Hopkins-adjacent Hampden / Mt. Washington at $325-575K.
Baltimore is the most affordable major MD nursing market for housing. JHH is the world-class anchor for specialty medicine — oncology (Sidney Kimmel), pediatrics (JH All Children's), neurosurgery, ophthalmology (Wilmer Eye), urology (Brady Urological). The $135K mid-career staff RN at JHH or UMMS gets premium career depth at moderate housing cost vs Montgomery County DC-commuter peers.
Washington-DC Commuter Belt (Montgomery / PG County → DC hospitals)
Staff RN $118-148K · ICU/OR with cert $138-175K · CRNA $255-310KMD residents at DC hospitals via MD-DC reciprocity: Children's National Hospital (#1 US pediatric in some specialties), MedStar Washington Hospital Center (DC's largest hospital), GW University Hospital, Howard University Hospital, Sibley Memorial Hospital (JH-affiliate, Bethesda but DC-licensed). Plus MD-side: Suburban Hospital (Bethesda, JH-affiliate), Holy Cross Hospital Silver Spring, MedStar Montgomery, Adventist HealthCare Shady Grove. Workforce housing in Montgomery County (Bethesda / Potomac premium $1.0M-$1.8M; Gaithersburg / Germantown $625K-$925K), Frederick County (lower 2.96% piggyback, $475-700K), or PG (Bowie / Laurel $475-700K).
MD-DC reciprocity is the structural NoVA / NoMD nurse advantage — saves $11-14K/year vs DC residency on senior comp. Many DC-employer nurses live in MD specifically for this reciprocity. Children's National is the #1 US pediatric specialty market in this region.
Anne Arundel / Frederick / Regional MD
Staff RN $108-140K · ICU/OR with cert $128-160K · CRNA $230-280KAnne Arundel Medical Center (AAMC Annapolis, ~5K nurses, 2.81% county piggyback — lowest among major MD counties), Frederick Health (Frederick, 2.96% piggyback), University of Maryland Shore Regional (Eastern Shore — Easton, Cambridge), Atlantic General Berlin. AAMC particularly strong reputation for cardiac and oncology specialty within MD. Frederick Health serves a growing Frederick County population (post-2020 Bethesda exurban migration).
AAMC + Frederick Health offer slightly lower nominal pay than JHH / UMMS but with materially lower county piggyback (2.81% / 2.96% vs 3.20%) and lower-COL housing (Annapolis $625-$925K, Frederick $475-700K). Net of tax + housing math, regional MD nursing often beats Baltimore academic on real take-home for senior nurses prioritizing cost-to-pay ratio.
The Maryland nursing career arc — BSN to JHH / UMMS pivot to PA / FL retirement
Year 1-2 (new grad RN): $92-118K. BSN from UMD School of Nursing / JHU School of Nursing / Towson University / Salisbury University / Notre Dame of MD plus Maryland Board of Nursing licensure (NCLEX-RN). First role typically at JHH, UMMS, MedStar, or AAMC. New-grad residency programs at JHH and UMMS competitive (15-20% acceptance).
Year 3-5 (mid-career): $115-148K. Pursue ICU / OR / NICU / ER / oncology cert (CCRN, CNOR, RNC-NIC, OCN) — cert premium $5-12K above base. Most max / / immediately. Travel contracts available with strong references — 13-26 week placements at $2,500-3,500/wk + per-diem and lodging stipends.
Year 5-10 (senior specialty / NP / CRNA pivot): $135-175K (CRNA $245-305K). Senior JHH / UMMS / Sibley specialty + cert clears top US tier. NP transition under 2015 MD FPA — $132-175K with full practice authority. CRNA path requires 3-year DNAP at JHU School of Nursing + UMD.
Year 10-20 (established senior / nurse executive / private-practice CRNA): $145-220K (CRNA private $300-450K). Senior JHH / UMMS / MedStar nurse executives in $185-220K range. Private-practice CRNAs in suburban MD anesthesia groups clear $300-450K with partnership equity.
Retirement (60-65): MD taxes / IRA / pension at progressive rate (with $39,500 Pension Exclusion at 65+ for public / military pensions); private 403(b) does NOT qualify. SS exempt. Property tax 1.33% combined on $1M+ Montgomery home grinds through retirement. Common destinations: PA (0% retirement income), FL, DE, or DE Beach communities. $500K + 403(b) IRA-rollover + SS to lower-tax state. Net wealth $1.5-3M for senior JHH nurses who maxed 403(b)/457(b) is normal.
Where Maryland nurses actually live
Most JHH / UMMS nurses live Baltimore County or Howard County. DC-commuter MD nurses live Montgomery (Bethesda / Potomac premium, Gaithersburg/Germantown more affordable) or Frederick County (lower 2.96% piggyback). AAMC nurses near Annapolis. Baltimore-adjacent neighborhoods (Hampden, Mt. Washington, Roland Park) provide urban-walkable alternatives.
Towson / Pikesville / Owings Mills (Baltimore County)
JHH / UMMS / MedStar commute · $475-$725K · 3.20% county piggyback
Columbia / Ellicott City (Howard County)
JHH-Howard / Sinai commute · $625K-$1.0M · 3.20% county piggyback · top schools
Bethesda / Potomac (Montgomery premium)
DC-hospital commute via MD-DC reciprocity · $1.0M-$1.8M · 3.20% county piggyback
Gaithersburg / Germantown / Frederick (lower piggyback)
Frederick County 2.96% (lowest piggyback among major MD) · $475-925K
Annapolis / Severna Park (Anne Arundel)
AAMC + DC commute · 2.81% piggyback (lowest) · $625-$925K · waterfront
Hampden / Mt. Washington / Roland Park (Baltimore urban)
JHH walkable / Hopkins-adjacent · $325-575K · urban-academic
Most senior MD nurses retire in-state OR to PA / DE / FL. The 7-9% combined state + county piggyback + 1.33% property tax on $1M+ Montgomery housing makes the late-career math less favorable than working-career math, but Social Security backup softens the gap vs MA / NJ peers. PA's 0% retirement income tax is the closest tax-arbitrage destination.
¿Es la decisión correcta?
Maryland nursing — who it's best for
A tu favor
- +Johns Hopkins Hospital + UMMS + MedStar = world-class US academic-medicine cluster · JHH ranks #1 in many specialties
- +MD-DC tax reciprocity (1973) for any DC-hospital work — pay only MD state + county, not DC's 8.5-10.75% (saves $11-14K/yr senior)
- +MD nurses DO participate in Social Security — adds $26-38K/year retirement on top of 403(b)/457(b)
- +MD full practice authority for NPs (2015 H.B. 999) — senior NP $132-175K with FPA
- +MD fully conforms federal on 403(b) / 457(b) — pre-tax savings reduce both federal and MD-plus-county taxable income
- +Anne Arundel (2.81%) and Frederick (2.96%) lower county piggyback than Montgomery / Howard / Baltimore (3.20%)
- +Baltimore housing materially more affordable than Boston / NYC / DC academic-medical alternatives
Vale la pena saber antes de firmar
- −MD progressive 2-5.75% PLUS county piggyback 2.25-3.20% = combined 7-9% sub-federal tax (one of highest US for senior nurses)
- −Montgomery / Howard housing $1.0M-$1.8M for premium 4BR — most senior MD nurses commute from Frederick or Gaithersburg
- −Property tax ~1.33% combined (1.06% county + 0.27% state) on $1M+ housing = $13K+/year through retirement
- −MD travel nursing $2,500-3,500/wk lags NYC ($3,400-5,200) and California ($3,400-5,200) tier
- −MD has no CA Title 22-style mandatory staffing ratios
Mercado Laboral en Maryland
Maryland tiene demanda activa de Enfermera Registradas.
Perspectivas de crecimiento: 6% growth through 2032 (faster than average)
Puestos relacionados:
Costo de Vida en Maryland
Maryland tiene un costo de vida variado según la región.
💰 Sueldo neto mensual: $5,833
🏠 Renta típica: $1,600/mo
📊 Después de renta: $4,233/mo
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