Last updated: 2025 BLS data · Page refreshed:
How much does a Captains, Mates, and Pilots of Water Vessels actually take home in Massachusetts?
5.0% flat rate — 24.2% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Captains, Mates, and Pilots of Water Vessels earning $77,950 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $77,950 | — |
| Federal Income Tax | -$8,990 | 11.5% |
| Massachusetts State Income Tax | -$3,897 | 5.0% |
| Social Security (OASDI) | -$4,832 | 6.2% |
| Medicare | -$1,130 | 1.5% |
| Total Taxes | -$18,850 | 24.2% |
| Take-Home Pay | $59,099 | 75.8% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Captains, Mates, and Pilots of Water Vessels in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $50,960 | -$10,577 | $40,382 | 20.8% |
| 25th Percentile (P25) | $62,160 | -$13,379 | $48,780 | 21.5% |
| Median (P50) | $77,950 | -$18,850 | $59,099 | 24.2% |
| 75th Percentile (P75) | $101,940 | -$27,163 | $74,776 | 26.6% |
| 90th Percentile (P90) | $127,720 | -$36,347 | $91,372 | 28.5% |
After federal income tax ($8,990), state tax ($3,897), and FICA ($5,963), a Captains, Mates, and Pilots of Water Vessels in Massachusetts takes home $59,099 per year — or $4,924 per month. The effective tax rate of 24.2% is relatively low compared to the national range.
With an effective total rate of 24.2%, a Captains, Mates, and Pilots of Water Vessels in Massachusetts keeps $59,099 of $77,950 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Massachusetts applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Captains, Mates, and Pilots of Water Vessels salary that contributes $3,898 to the 5.0% effective state-tax burden.
Federal tax on this Captains, Mates, and Pilots of Water Vessels salary is $8,990 (48%), but combined state ($3,898, 21%) + FICA ($5,963, 32%) make up the other 52% of the bill.
Moving this same Captains, Mates, and Pilots of Water Vessels salary to a zero-state-tax state would yield around $62,997 net — a gain of $3,898 (6.6%) per year versus Massachusetts.
Massachusetts ranks #22 of 38 states for Captains, Mates, and Pilots of Water Vessels after-tax pay — lower half of the national distribution. Either gross wages trail the national median, state tax is elevated, or both.
Translated into paycheck cadences, $59,099 net/year works out to $4,925/month or $2,273/bi-weekly for this Captains, Mates, and Pilots of Water Vessels in Massachusetts — the numbers that actually hit a checking account after every deduction.
Where does a Captains, Mates, and Pilots of Water Vessels keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #22 out of 38 states for Captains, Mates, and Pilots of Water Vessels after-tax take-home pay.
A Captains, Mates, and Pilots of Water Vessels in Massachusetts earning a median salary of $77,950 will take home approximately $59,099 per year after federal income tax ($8,990), state income tax ($3,897), and FICA ($5,963). That is $4,924 per month or $2,273 per bi-weekly paycheck.
The effective total tax rate for a Captains, Mates, and Pilots of Water Vessels in Massachusetts is 24.2%, broken down as: federal income tax 11.5%, Massachusetts state tax 5.0%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
Massachusetts has a 5.0% flat rate. On a Captains, Mates, and Pilots of Water Vessels's median salary of $77,950, the state income tax amounts to $3,897 per year, which is an effective state rate of 5.0%.
After all taxes, a Captains, Mates, and Pilots of Water Vessels in Massachusetts takes home approximately $4,924 per month, or about $28.41 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $77,950 for Captains, Mates, and Pilots of Water Vessels in Massachusetts, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Massachusetts state income tax (5.0% flat rate), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $59,099/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR