Boston Paycheck Calculator 2026
No city income tax. Massachusetts flat income tax plus the 4% surtax on income above the indexed millionaire threshold apply at the state level. A single filer earning $75,000 in Boston takes home about $57,718 a year (23.0% effective tax rate) — and a worker on the city's median full-time pay of $81,867 keeps about $5,181 a month.
Updated 2026-10-03 · Population 673,822 · Median household income $97,791 · Combined sales tax 6.250%
| Bi-weekly | Annual | |
|---|---|---|
| Gross pay | $2,307.69 | $60,000 |
| Federal income tax | -$193.08 | -$5,020 |
| Social Security (6.2%) | -$143.08 | -$3,720 |
| Medicare | -$33.46 | -$870 |
| Massachusetts income tax | -$106.92 | -$2,780 |
| Massachusetts Paid Family and Medical Leave | -$10.62 | -$276 |
| Take-home pay | $1,820.54 | $47,334 |
- Take-home $47,334 78.9%
- Federal income tax $5,020 8.4%
- Social Security $3,720 6.2%
- Medicare $870 1.5%
- State tax $3,056 5.1%
Take-home pay vs. taxes at every income level in Boston
- Take-home pay
- Total taxes
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2026 take-home pay in Boston at common salaries
Single filer, standard deduction, paid bi-weekly. “Worth nationally” adjusts for Boston-Cambridge-Newton, MA-NH prices. “Rent share” is the median Boston rent ($2,196/month) as a share of take-home.
| Salary | Federal | FICA | State + local | Take-home / yr | Per paycheck | Worth nationally | Rent share |
|---|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $1,418 | $24,867 | $956 | $22,968 | 106% |
| $50,000 | $3,820 | $3,825 | $2,510 | $39,845 | $1,533 | $36,803 | 66% |
| $75,000 | $7,670 | $5,738 | $3,875 | $57,718 | $2,220 | $53,311 | 46% |
| $100,000 | $13,170 | $7,650 | $5,240 | $73,940 | $2,844 | $68,295 | 36% |
| $150,000 | $24,734 | $11,475 | $7,970 | $105,821 | $4,070 | $97,742 | 25% |
| $250,000 | $51,304 | $15,514 | $13,129 | $170,053 | $6,541 | $157,070 | 15% |
Take-home pay on typical Boston incomes
What common local incomes leave after 2026 federal, Massachusetts and payroll taxes.
| Income | Gross / yr | Taxes | Take-home / yr | Per month |
|---|---|---|---|---|
| Full-time minimum wage ($15.00/hr) | $31,200 | $5,434 | $25,766 | $2,147 |
| Median full-time worker | $81,867 | $19,694 | $62,173 | $5,181 |
| Median household (married, one earner) | $97,791 | $19,755 | $78,036 | $6,503 |
| Per-capita income (all residents) | $60,885 | Income per resident including children and retirees | ||
Housing costs vs take-home pay in Boston
- Rent: median gross rent is $2,196 a month ($26,352 a year) — 42% of a median full-time worker's take-home pay, above the common 30% affordability guideline. To keep rent at 30% of take-home you need about $114,142 gross a year.
- Home values: the median owner-occupied home is worth $722,800, 7.4× the median household income.
- Property tax: the median homeowner pays $4,447 a year, an effective rate of about 0.62% of home value — $371 a month on top of the mortgage.
What a Boston paycheck is worth
Prices in the Boston-Cambridge-Newton, MA-NH area are 8.3% above the US average (BEA regional price parity 108.3, 2024; housing 148.4). Adjusting take-home pay for local prices:
| Salary | Take-home in Boston | Worth at US-average prices |
|---|---|---|
| $50,000 | $39,845 | $36,803 |
| $75,000 | $57,718 | $53,311 |
| $100,000 | $73,940 | $68,295 |
| $150,000 | $105,821 | $97,742 |
Boston vs other cities on $75,000
Boston next to the other Massachusetts cities we cover and the five cities where $75,000 goes about as far once taxes and local prices are counted ($53,311 in national prices here).
| City | Local income tax | Sales tax | Take-home | Price-adjusted |
|---|---|---|---|---|
| Miami, FL | None | 7.00% | $61,593 | $53,955 |
| Seattle, WA | None | 10.55% | $60,552 | $54,486 |
| San Jose, CA | None | 10.00% | $57,952 | $52,482 |
| Boston | None | 6.25% | $57,718 | $53,311 |
| Baltimore, MD | $2,400 | 6.00% | $55,994 | $53,589 |
| Portland, OR | None | 0.00% | $55,338 | $52,492 |
Sales tax in Boston
Boston's combined rate of 6.250% is equal to the Massachusetts average of 6.25%. A $1,000 purchase costs $1,062.50; if you spend $20,000 a year on taxable goods, that is about $1,250 in sales tax. Massachusetts sales tax calculator.
Massachusetts income tax rates for 2026
Single
| Taxable income over | Rate |
|---|---|
| $0 | 5.00% |
| $1,107,750 | 9.00% |
Standard deduction $0 · exemption $4,400
Married filing jointly
| Taxable income over | Rate |
|---|---|
| $0 | 5.00% |
| $1,107,750 | 9.00% |
Standard deduction $0 · exemption $8,800
Other Massachusetts payroll deductions
- Massachusetts Paid Family and Medical Leave: 0.460% of wages up to $184,500
Key facts about Boston taxes
- Boston has no local income tax; Massachusetts towns cannot levy one.
- Massachusetts has no local general sales tax, so Boston's rate is the 6.25% state rate. Boston adds a 0.75% local tax on restaurant meals.
- Median household income is $97,791 (ACS 2024 1-year).
More on Massachusetts brackets, deductions and federal withholding: Massachusetts (MA) paycheck calculator.
More Massachusetts calculators
- Massachusetts (MA) paycheck calculator
- Massachusetts income tax calculator
- Massachusetts sales tax calculator
- Boston paycheck calculator
- Massachusetts vs New Hampshire taxes
- Florida vs Massachusetts taxes
- Compare Massachusetts with any state
What this calculator simplifies
- Assumes all income is 5% Part B income; 8.5% short-term gains and 12% collectibles rates are not modeled.
- PFML assumes the maximum 0.46% employee share is withheld; employers may cover some or all of it.
- Deductions for Social Security/Medicare/retirement contributions (up to $2,000), rent deduction, dependent deductions, and the child and family tax credit are not modeled.
Frequently asked questions
Does Boston have a city income tax?
No city income tax. Massachusetts flat income tax plus the 4% surtax on income above the indexed millionaire threshold apply at the state level.
What is the sales tax in Boston?
The combined sales tax rate in Boston is 6.250%, including the Massachusetts state rate of 6.25% — $62.50 on a $1,000 purchase.
How much is $75,000 after taxes in Boston?
About $57,718 per year or $2,220 per bi-weekly paycheck for a single filer in 2026. Adjusted for local prices (Boston-Cambridge-Newton, MA-NH price level 108.3, US = 100) that buys what $53,311 would nationally.
What is the typical salary in Boston?
Median earnings for full-time, year-round workers in Boston are $81,867 (Census ACS). After 2026 taxes that leaves about $62,173 a year, or $5,181 a month.
What is the minimum wage in Boston?
$15.00 an hour. Massachusetts state minimum wage, effective January 1, 2023. Full-time that is $31,200 a year, or about $25,766 after tax.
How much is property tax in Boston?
The median homeowner in Boston pays $4,447 a year in real estate taxes on a median home value of $722,800 — an effective rate of about 0.62% (Census ACS).
Sources
Figures are taken from official government publications and were last reviewed on 2026-10-03.
- Massachusetts DOR, sales and use tax
- Avalara Boston combined sales tax rate 2026 (secondary; state lookup not machine-readable)
- US Census Bureau ACS 2024 1-year via Census Reporter: population, home value, real estate taxes, gross rent, per capita income, full-time earnings (Boston, MA)
- US Department of Labor, State Minimum Wage Laws (page updated July 1, 2026)
- US Bureau of Economic Analysis, Regional Price Parities by MSA (table MARPP), 2024 data released February 19, 2026
- BEA, Real Personal Income and Regional Price Parities methodology
- US Census Bureau, American Community Survey 2024 1-year estimates (tables B01003/B01001, B25077, B25103, B25064, B19301, B20018)
- Mass.gov — Massachusetts tax rates (2026 surtax threshold)
- Mass.gov — PFML employer contribution rates and calculator
- Tax Foundation — 2026 State Income Tax Rates and Brackets (cross-check)
- Rev. Proc. 2025-32 (2026 inflation adjustments incl. OBBBA)
- IRS: Tax inflation adjustments for tax year 2026, including OBBBA amendments