Last updated: 2025 BLS data · Page refreshed:
How much does a Heating, Air Conditioning, and Refrigeration Mechanics and Installers actually take home in New Jersey?
Progressive (up to 10.8%) — 22.2% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Heating, Air Conditioning, and Refrigeration Mechanics and Installers earning $74,450 in New Jersey (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $74,450 | — |
| Federal Income Tax | -$8,220 | 11.0% |
| New Jersey State Income Tax | -$2,620 | 3.5% |
| Social Security (OASDI) | -$4,615 | 6.2% |
| Medicare | -$1,079 | 1.5% |
| Total Taxes | -$16,536 | 22.2% |
| Take-Home Pay | $57,913 | 77.8% |
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 New Jersey.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $48,020 | -$8,612 | $39,407 | 17.9% |
| 25th Percentile (P25) | $56,700 | -$10,797 | $45,902 | 19.0% |
| Median (P50) | $74,450 | -$16,536 | $57,913 | 22.2% |
| 75th Percentile (P75) | $96,910 | -$24,621 | $72,288 | 25.4% |
| 90th Percentile (P90) | $116,550 | -$31,724 | $84,825 | 27.2% |
After federal income tax ($8,220), state tax ($2,620), and FICA ($5,695), a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in New Jersey takes home $57,913 per year — or $4,826 per month. The effective tax rate of 22.2% is relatively low compared to the national range.
With an effective total rate of 22.2%, a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in New Jersey keeps $57,914 of $74,450 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
New Jersey uses a progressive state income tax, so brackets escalate as wages rise. For this Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary the state tax works out to $2,621 (3.5% effective) — on top of federal and FICA.
Federal tax on this Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary is $8,220 (50%), but combined state ($2,621, 16%) + FICA ($5,695, 34%) make up the other 50% of the bill.
Moving this same Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary to a zero-state-tax state would yield around $60,535 net — a gain of $2,621 (4.5%) per year versus New Jersey.
For Heating, Air Conditioning, and Refrigeration Mechanics and Installers after-tax pay, New Jersey ranks #9 of 51 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $57,914 net/year works out to $4,826/month or $2,227/bi-weekly for this Heating, Air Conditioning, and Refrigeration Mechanics and Installers in New Jersey — 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.
New Jersey ranks #9 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 New Jersey earning a median salary of $74,450 will take home approximately $57,913 per year after federal income tax ($8,220), state income tax ($2,620), and FICA ($5,695). That is $4,826 per month or $2,227 per bi-weekly paycheck.
The effective total tax rate for a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in New Jersey is 22.2%, broken down as: federal income tax 11.0%, New Jersey state tax 3.5%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
New Jersey has a progressive (up to 10.8%). On a Heating, Air Conditioning, and Refrigeration Mechanics and Installers's median salary of $74,450, the state income tax amounts to $2,620 per year, which is an effective state rate of 3.5%.
After all taxes, a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in New Jersey takes home approximately $4,826 per month, or about $27.84 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 $74,450 for Heating, Air Conditioning, and Refrigeration Mechanics and Installers in New Jersey, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), New Jersey state income tax (progressive (up to 10.8%)), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $57,913/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