Take-home pay in Massachusetts on a 2025 paycheck.
On a $80,000 single-filer salary, Massachusetts keeps $60,887/yr after federal income tax, FICA, and Massachusetts's state income tax (−$1,172 vs the 51-state average of $62,059).
Massachusetts take-home at common income points
| Salary | Filing | Take-home | Effective rate |
|---|---|---|---|
| $50,000 | Single | $39,934 | 20.1% |
| $80,000 | Single | $60,887 | 23.9% |
| $80,000 | MFJ (2) | $64,578 | 19.3% |
| $150,000 | Single | $105,996 | 29.3% |
| $150,000 | MFJ (4) | $119,018 | 20.7% |
| $250,000 | Single | $170,462 | 31.8% |
Effective rate = total federal + FICA + state tax as a share of gross. Excludes pre-tax deductions, local tax, and SDI.
How Massachusetts compares
On the standard $80,000 single-filer benchmark, Massachusetts keeps $60,887 — $1,172 less than the 51-state average. The Massachusetts top marginal individual income tax rate is 9.00%, and the state’s standard deduction for single filers is $0.00. For the live cross-state comparison and a state-locked “compare to” view, see the interactive paycheck map.
Top 5 Massachusetts metros for paycheck comparison
Take-home is identical at the state level — but cost of living varies dramatically between Boston and the rest of Massachusetts. Pick a metro to see paycheck vs cost-of-living together.
- Bostonpop 4.9M · COL 162median $89,400 →
- Worcesterpop 1.0M · COL 116median $71,400 →
- Springfieldpop 0.7M · COL 98median $54,200 →
- Lowellpop 0.1M · COL 118median $58,200 →
- Cambridgepop 0.1M · COL 178median $108,500 →
More Massachusetts metros coming as we expand city coverage.
Massachusetts paycheck — common questions
What is the Massachusetts state income tax rate in 2025?
Massachusetts taxes individual income at marginal rates topping out at 9.00% on the highest bracket. The standard deduction for single filers is $0.00; for MFJ it is $0.00.
How much take-home will I have on $80,000 in Massachusetts?
A single filer earning $80,000 in Massachusetts takes home approximately $60,887/yr (76.1% of gross). A married couple filing jointly earning $80,000 takes home $64,578/yr due to the larger MFJ standard deduction. These figures exclude pre-tax 401(k), HSA, and health insurance contributions.
Are there any Massachusetts-specific paycheck deductions I should know about?
Massachusetts Paid Family and Medical Leave (PFML) deducts 0.46% of wages (2024) up to SS wage base; combined with 5% flat income tax + the 4% "millionaires surtax" on income over $1M.
Does Massachusetts have local income taxes?
Massachusetts does not impose city or county income taxes on residents (state-level withholding only).
Reviewed by CalcFi Editorial · Last verified against MA Department of Revenue tax tables on 2026-04-19. Methodology + sources at /about/editorial.