Last updated: 2025 BLS data · Page refreshed:
How much does a File Clerks actually take home in Massachusetts?
5.0% flat rate — 20.5% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a File Clerks earning $48,310 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $48,310 | — |
| Federal Income Tax | -$3,813 | 7.9% |
| Massachusetts State Income Tax | -$2,415 | 5.0% |
| Social Security (OASDI) | -$2,995 | 6.2% |
| Medicare | -$700 | 1.5% |
| Total Taxes | -$9,924 | 20.5% |
| Take-Home Pay | $38,385 | 79.5% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of File Clerks in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $37,430 | -$7,242 | $30,187 | 19.3% |
| 25th Percentile (P25) | $42,990 | -$8,613 | $34,376 | 20.0% |
| Median (P50) | $48,310 | -$9,924 | $38,385 | 20.5% |
| 75th Percentile (P75) | $56,400 | -$11,918 | $44,481 | 21.1% |
| 90th Percentile (P90) | $70,210 | -$16,168 | $54,041 | 23.0% |
After federal income tax ($3,813), state tax ($2,415), and FICA ($3,695), a File Clerks in Massachusetts takes home $38,385 per year — or $3,198 per month. The effective tax rate of 20.5% is relatively low compared to the national range.
With an effective total rate of 20.5%, a File Clerks in Massachusetts keeps $38,386 of $48,310 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 File Clerks salary that contributes $2,416 to the 5.0% effective state-tax burden.
Federal tax on this File Clerks salary is $3,813 (38%), but combined state ($2,416, 24%) + FICA ($3,696, 37%) make up the other 62% of the bill.
A File Clerks earning this gross in a no-income-tax state (e.g., Texas, Florida) would take home approximately $40,801 — only $2,416 (6.3%) more than in Massachusetts.
For File Clerks after-tax pay, Massachusetts ranks #8 of 49 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $38,386 net/year works out to $3,199/month or $1,476/bi-weekly for this File Clerks in Massachusetts — the numbers that actually hit a checking account after every deduction.
Where does a File Clerks keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #8 out of 49 states for File Clerks after-tax take-home pay.
A File Clerks in Massachusetts earning a median salary of $48,310 will take home approximately $38,385 per year after federal income tax ($3,813), state income tax ($2,415), and FICA ($3,695). That is $3,198 per month or $1,476 per bi-weekly paycheck.
The effective total tax rate for a File Clerks in Massachusetts is 20.5%, broken down as: federal income tax 7.9%, 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 File Clerks's median salary of $48,310, the state income tax amounts to $2,415 per year, which is an effective state rate of 5.0%.
After all taxes, a File Clerks in Massachusetts takes home approximately $3,198 per month, or about $18.45 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 $48,310 for File Clerks 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 — $38,385/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