Last updated: 2025 BLS data · Page refreshed:
How much does a Claims Adjusters, Examiners, and Investigators actually take home in Massachusetts?
5.0% flat rate — 24.9% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Claims Adjusters, Examiners, and Investigators earning $83,740 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $83,740 | — |
| Federal Income Tax | -$10,263 | 12.3% |
| Massachusetts State Income Tax | -$4,187 | 5.0% |
| Social Security (OASDI) | -$5,191 | 6.2% |
| Medicare | -$1,214 | 1.5% |
| Total Taxes | -$20,856 | 24.9% |
| Take-Home Pay | $62,883 | 75.1% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Claims Adjusters, Examiners, and Investigators in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $58,650 | -$12,473 | $46,176 | 21.3% |
| 25th Percentile (P25) | $72,690 | -$17,028 | $55,661 | 23.4% |
| Median (P50) | $83,740 | -$20,856 | $62,883 | 24.9% |
| 75th Percentile (P75) | $103,520 | -$27,710 | $75,809 | 26.8% |
| 90th Percentile (P90) | $123,260 | -$34,713 | $88,546 | 28.2% |
After federal income tax ($10,263), state tax ($4,187), and FICA ($6,406), a Claims Adjusters, Examiners, and Investigators in Massachusetts takes home $62,883 per year — or $5,240 per month. The effective tax rate of 24.9% is relatively low compared to the national range.
With an effective total rate of 24.9%, a Claims Adjusters, Examiners, and Investigators in Massachusetts keeps $62,883 of $83,740 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 Claims Adjusters, Examiners, and Investigators salary that contributes $4,187 to the 5.0% effective state-tax burden.
Federal tax on this Claims Adjusters, Examiners, and Investigators salary is $10,264 (49%), but combined state ($4,187, 20%) + FICA ($6,406, 31%) make up the other 51% of the bill.
Moving this same Claims Adjusters, Examiners, and Investigators salary to a zero-state-tax state would yield around $67,070 net — a gain of $4,187 (6.7%) per year versus Massachusetts.
Massachusetts ranks #15 of 51 states for Claims Adjusters, Examiners, and Investigators after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $62,883 net/year works out to $5,240/month or $2,419/bi-weekly for this Claims Adjusters, Examiners, and Investigators in Massachusetts — the numbers that actually hit a checking account after every deduction.
Where does a Claims Adjusters, Examiners, and Investigators keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #15 out of 51 states for Claims Adjusters, Examiners, and Investigators after-tax take-home pay.
A Claims Adjusters, Examiners, and Investigators in Massachusetts earning a median salary of $83,740 will take home approximately $62,883 per year after federal income tax ($10,263), state income tax ($4,187), and FICA ($6,406). That is $5,240 per month or $2,418 per bi-weekly paycheck.
The effective total tax rate for a Claims Adjusters, Examiners, and Investigators in Massachusetts is 24.9%, broken down as: federal income tax 12.3%, 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 Claims Adjusters, Examiners, and Investigators's median salary of $83,740, the state income tax amounts to $4,187 per year, which is an effective state rate of 5.0%.
After all taxes, a Claims Adjusters, Examiners, and Investigators in Massachusetts takes home approximately $5,240 per month, or about $30.23 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 $83,740 for Claims Adjusters, Examiners, and Investigators 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 — $62,883/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