Software Engineer Salary in Maryland (2026)
The average Software Engineer in Maryland earns around $145,000/year. After taxes, your estimated take-home is $104,221/year ($8,685/month).
Take-Home Pay Breakdown
| Category | Amount |
|---|---|
Annual Take-Home Pay | $104,221 |
Monthly Take-Home Pay | $8,685 |
Biweekly Take-Home Pay | $4,009 |
Hourly Take-Home Pay based on 2,080 hrs/year | $50/hr |
Federal Tax | $23,534 |
State Tax | $6,152 |
FICA Taxes | $11,093 |
Effective Tax Rate total taxes ÷ gross salary | 28.12% |
Equity compensation? Run it through the right calculator.
RSUs, ISOs, and stock sales are taxed differently. Pick the tool that matches your event.
RSU Calculator
Vest income + sell-to-cover shortfall + capital-gains projection if you hold.
Calculate RSU vestISO/AMT Calculator
Federal AMT exposure, exemption phaseout, and your AMT crossover point.
Calculate AMTStock-Comp Tax Guide
RSU vs NSO vs ISO vs capital gains — how each is taxed in plain English.
Read the guideSoftware Engineer Salary Ranges in Maryland
Not all Software Engineers earn the same — not even close
Maryland's software engineer market is dominated by the federal contractor cluster — Lockheed Martin HQ Bethesda (~10,000 Bethesda HQ employees), Booz Allen Hamilton (McLean VA officially but substantial MD presence), Northrop Grumman, SAIC, Leidos, Mantech, plus Johns Hopkins Applied Physics Laboratory (Laurel MD, $1.4B+ federal contracts) and Fort Meade NSA + Cyber Command. Commercial software engineering at T. Rowe Price IT, Marriott HQ tech, GEICO Chevy Chase, McCormick Hunt Valley, and Constellation Energy adds non-cleared career paths. Top FAANG comp ceilings don't exist in MD; cleared senior engineers approach coastal-tier comp via clearance premium.
Staff / Principal Engineer (Cleared)
$185,000–$315,000 TC
Lockheed Martin senior · Hopkins APL senior · TS/SCI plus polygraph premium $35-65K above standard
Staff / Principal Engineer (Commercial)
$165,000–$265,000 TC
T. Rowe Price senior architect · Marriott tech senior · GEICO Chevy Chase tech leadership
Senior Software Engineer (Cleared)
$145,000–$215,000
Lockheed Martin + Booz Allen + Northrop · TS/SCI cleared work premium
Senior Software Engineer (Commercial)
$125,000–$195,000
T. Rowe Price IT · Marriott tech · GEICO + Choice Hotels + Constellation Energy IT senior
Software Engineer (Mid-Level)
$92,000–$155,000
Steady mid-market across Bethesda + Baltimore + Columbia · smaller pool in Frederick + Hagerstown
ML / AI Engineer
$115,000–$235,000
Lockheed Martin AI/ML · Hopkins APL · NIH Clinical Center ML · Fort Meade signals intelligence ML
Cloud / Infrastructure Engineer
$105,000–$195,000
AWS GovCloud specialty · Azure Government · cleared cloud architecture · CIO premium
DevSecOps / SRE
$115,000–$185,000
Federal compliance (FedRAMP, FISMA, CMMC) specialty · cleared SRE premium · senior IC band
Security Engineer (TS/SCI)
$155,000–$265,000
Fort Meade NSA contracts · Cyber Command · cleared cyber engineering · polygraph premium
Junior / New Grad (Cleared)
$78,000–$115,000
UMCP + UMBC + Hopkins + USNA pipeline · Lockheed Martin LMET + Hopkins APL new-grad programs
Worth knowing: Lockheed Martin Corporation is the structural depth feature most national SE-career surveys understate. Headquartered at Bethesda since 1995 (Fortune 100, ~110,000 global employees, ~$67B revenue), Lockheed Martin's Bethesda HQ houses corporate functions plus substantial engineering and software development for missile defense, F-35 Lightning II program software, Skunk Works classified projects, and AI/ML R&D. Johns Hopkins Applied Physics Laboratory (Laurel MD, ~8,500 employees) is one of the country's largest university-affiliated research centers — substantial software engineering on space exploration (Parker Solar Probe, DART asteroid deflection), classified defense programs, and autonomous systems. Fort Meade (Anne Arundel County) hosts NSA + US Cyber Command — senior cleared software engineers + cyber engineers with TS/SCI plus polygraph clearance routinely clear $185-315K TC. The clearance premium ($35-65K above non-cleared equivalent comp) plus the post-2024 BRA state tax structure means the take-home math for senior MD-resident cleared engineers can compete with Bay Area mid-tier; FAANG top-tier comp ceiling ($500K+ TC) doesn't typically exist outside specific Lockheed senior staff bands. The MD combined effective rate at senior SE comp ($165K, Montgomery County 3.20% piggyback) is ~7.95%; above $500K post-2024 BRA 6.25% bracket, ~9.45% combined.
Calculate Your Exact Take-Home Pay
Add 401(k) contributions, HSA, dependents, and more to see your personalized take-home.
Open Full CalculatorFrequently Asked Questions
Find answers to common questions about your taxes and our calculator.
Compare Two States
See how income tax, take-home pay, and total tax burden differ between any two US states side by side.
State 1
State 2
Software Engineer Salary in Other States
More on Maryland
Salaries by profession, top-paying roles by industry, and an economic breakdown for Maryland in 2026.
Tax brackets, standard deductions, and take-home estimates for Maryland in 2026.
Adjust filing status, 401(k), and city/county tax for your exact 2026 take-home in Maryland.