Last updated: 2025 BLS data · Page refreshed:
How much does a Cargo and Freight Agents actually take home in Massachusetts?
5.0% flat rate — 21.3% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Cargo and Freight Agents earning $58,680 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $58,680 | — |
| Federal Income Tax | -$5,057 | 8.6% |
| Massachusetts State Income Tax | -$2,934 | 5.0% |
| Social Security (OASDI) | -$3,638 | 6.2% |
| Medicare | -$850 | 1.5% |
| Total Taxes | -$12,480 | 21.3% |
| Take-Home Pay | $46,199 | 78.7% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Cargo and Freight Agents in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $49,240 | -$10,153 | $39,086 | 20.6% |
| 25th Percentile (P25) | $51,170 | -$10,629 | $40,540 | 20.8% |
| Median (P50) | $58,680 | -$12,480 | $46,199 | 21.3% |
| 75th Percentile (P75) | $72,310 | -$16,896 | $55,413 | 23.4% |
| 90th Percentile (P90) | $75,860 | -$18,126 | $57,733 | 23.9% |
After federal income tax ($5,057), state tax ($2,934), and FICA ($4,489), a Cargo and Freight Agents in Massachusetts takes home $46,199 per year — or $3,849 per month. The effective tax rate of 21.3% is relatively low compared to the national range.
With an effective total rate of 21.3%, a Cargo and Freight Agents in Massachusetts keeps $46,199 of $58,680 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 Cargo and Freight Agents salary that contributes $2,934 to the 5.0% effective state-tax burden.
Federal tax on this Cargo and Freight Agents salary is $5,058 (41%), but combined state ($2,934, 24%) + FICA ($4,489, 36%) make up the other 59% of the bill.
Moving this same Cargo and Freight Agents salary to a zero-state-tax state would yield around $49,133 net — a gain of $2,934 (6.4%) per year versus Massachusetts.
For Cargo and Freight Agents after-tax pay, Massachusetts ranks #11 of 48 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $46,199 net/year works out to $3,850/month or $1,777/bi-weekly for this Cargo and Freight Agents in Massachusetts — the numbers that actually hit a checking account after every deduction.
Where does a Cargo and Freight Agents keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #11 out of 48 states for Cargo and Freight Agents after-tax take-home pay.
A Cargo and Freight Agents in Massachusetts earning a median salary of $58,680 will take home approximately $46,199 per year after federal income tax ($5,057), state income tax ($2,934), and FICA ($4,489). That is $3,849 per month or $1,776 per bi-weekly paycheck.
The effective total tax rate for a Cargo and Freight Agents in Massachusetts is 21.3%, broken down as: federal income tax 8.6%, Massachusetts state tax 5.0%, and FICA (Social Security + Medicare) 7.7%. This assumes a single filer with the standard deduction for 2024.
Massachusetts has a 5.0% flat rate. On a Cargo and Freight Agents's median salary of $58,680, the state income tax amounts to $2,934 per year, which is an effective state rate of 5.0%.
After all taxes, a Cargo and Freight Agents in Massachusetts takes home approximately $3,849 per month, or about $22.21 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 $58,680 for Cargo and Freight Agents 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 — $46,199/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