Last updated: 2025 BLS data · Page refreshed:
How much does a Heating, Air Conditioning, and Refrigeration Mechanics and Installers actually take home in Massachusetts?
5.0% flat rate — 24.1% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Heating, Air Conditioning, and Refrigeration Mechanics and Installers earning $77,300 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $77,300 | — |
| Federal Income Tax | -$8,847 | 11.4% |
| Massachusetts State Income Tax | -$3,865 | 5.0% |
| Social Security (OASDI) | -$4,792 | 6.2% |
| Medicare | -$1,120 | 1.4% |
| Total Taxes | -$18,625 | 24.1% |
| Take-Home Pay | $58,674 | 75.9% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $50,820 | -$10,543 | $40,276 | 20.7% |
| 25th Percentile (P25) | $61,070 | -$13,069 | $48,000 | 21.4% |
| Median (P50) | $77,300 | -$18,625 | $58,674 | 24.1% |
| 75th Percentile (P75) | $95,070 | -$24,782 | $70,287 | 26.1% |
| 90th Percentile (P90) | $102,410 | -$27,326 | $75,083 | 26.7% |
After federal income tax ($8,847), state tax ($3,865), and FICA ($5,913), a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Massachusetts takes home $58,674 per year — or $4,889 per month. The effective tax rate of 24.1% is relatively low compared to the national range.
With an effective total rate of 24.1%, a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Massachusetts keeps $58,675 of $77,300 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 Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary that contributes $3,865 to the 5.0% effective state-tax burden.
Federal tax on this Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary is $8,847 (47%), but combined state ($3,865, 21%) + FICA ($5,913, 32%) make up the other 53% of the bill.
Moving this same Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary to a zero-state-tax state would yield around $62,540 net — a gain of $3,865 (6.6%) per year versus Massachusetts.
For Heating, Air Conditioning, and Refrigeration Mechanics and Installers after-tax pay, Massachusetts ranks #7 of 51 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $58,675 net/year works out to $4,890/month or $2,257/bi-weekly for this Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Massachusetts — the numbers that actually hit a checking account after every deduction.
Where does a Heating, Air Conditioning, and Refrigeration Mechanics and Installers keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #7 out of 51 states for Heating, Air Conditioning, and Refrigeration Mechanics and Installers after-tax take-home pay.
A Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Massachusetts earning a median salary of $77,300 will take home approximately $58,674 per year after federal income tax ($8,847), state income tax ($3,865), and FICA ($5,913). That is $4,889 per month or $2,256 per bi-weekly paycheck.
The effective total tax rate for a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Massachusetts is 24.1%, broken down as: federal income tax 11.4%, 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 Heating, Air Conditioning, and Refrigeration Mechanics and Installers's median salary of $77,300, the state income tax amounts to $3,865 per year, which is an effective state rate of 5.0%.
After all taxes, a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Massachusetts takes home approximately $4,889 per month, or about $28.21 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 $77,300 for Heating, Air Conditioning, and Refrigeration Mechanics and Installers 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 — $58,674/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