Take Home Pay for Massachusetts (2026)
Massachusetts (MA) Key Facts
State Income Tax
5%
Sales Tax Rate
6.25%
Property Tax Rate
1.23%
Overall State Tax Burden
12.5% combined rates
How This Calculator Works in Massachusetts
This calculator estimates your take-home pay in Massachusetts, factoring in federal income tax, FICA, and Massachusetts's state income tax.
Massachusetts Overview
Take-home pay in Massachusetts is affected by federal income tax, FICA, and state income tax at up to 5%. Massachusetts requires Paid Family and Medical Leave (PFML) contributions from paychecks. A 4% surtax applies on income over $1 million.
How Massachusetts Compares
Massachusetts's combined rates (income: 5%, sales: 6.25%, property: 1.23%) compare to New York (10.9%, 4%, 1.72%) and Connecticut (6.99%, 6.35%, 2.15%).
| State | Top Rate | Notes |
|---|---|---|
| New York | 10.9% | New York has an income tax rate of 10.9%. |
| Connecticut | 6.99% | Connecticut has an income tax rate of 6.99%. |
| New Hampshire | 0% | New Hampshire has an income tax rate of 0%. |
Massachusetts's income tax rate of 5% compares to a national average of approximately 5.04%. This is below the national average.
Tips for Massachusetts Residents
- 1Massachusetts state income tax at up to 5% reduces your take-home pay on every paycheck.
- 2Massachusetts requires Paid Family and Medical Leave (PFML) contributions from paychecks. A 4% surtax applies on income over $1 million.
- 3Pre-tax 401(k), HSA, and FSA contributions reduce both federal and state taxable income, increasing your net pay.
- 4Your effective tax rate is typically lower than your marginal rate, especially in progressive tax states.
- 5After major life changes (marriage, new child, job change), review both federal W-4 and state withholding forms to optimize take-home pay.