Last updated: 2025 BLS data · Page refreshed:
How much does a Marriage and Family Therapists actually take home in Massachusetts?
5.0% flat rate — 22.5% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Marriage and Family Therapists earning $67,370 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $67,370 | — |
| Federal Income Tax | -$6,662 | 9.9% |
| Massachusetts State Income Tax | -$3,368 | 5.0% |
| Social Security (OASDI) | -$4,176 | 6.2% |
| Medicare | -$976 | 1.5% |
| Total Taxes | -$15,184 | 22.5% |
| Take-Home Pay | $52,185 | 77.5% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Marriage and Family Therapists in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $49,070 | -$10,111 | $38,958 | 20.6% |
| 25th Percentile (P25) | $61,050 | -$13,064 | $47,985 | 21.4% |
| Median (P50) | $67,370 | -$15,184 | $52,185 | 22.5% |
| 75th Percentile (P75) | $90,980 | -$23,365 | $67,614 | 25.7% |
| 90th Percentile (P90) | $128,490 | -$36,630 | $91,859 | 28.5% |
After federal income tax ($6,662), state tax ($3,368), and FICA ($5,153), a Marriage and Family Therapists in Massachusetts takes home $52,185 per year — or $4,348 per month. The effective tax rate of 22.5% is relatively low compared to the national range.
With an effective total rate of 22.5%, a Marriage and Family Therapists in Massachusetts keeps $52,185 of $67,370 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 Marriage and Family Therapists salary that contributes $3,368 to the 5.0% effective state-tax burden.
Federal tax on this Marriage and Family Therapists salary is $6,662 (44%), but combined state ($3,368, 22%) + FICA ($5,154, 34%) make up the other 56% of the bill.
Moving this same Marriage and Family Therapists salary to a zero-state-tax state would yield around $55,554 net — a gain of $3,368 (6.5%) per year versus Massachusetts.
Massachusetts ranks #19 of 45 states for Marriage and Family Therapists after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $52,185 net/year works out to $4,349/month or $2,007/bi-weekly for this Marriage and Family Therapists in Massachusetts — the numbers that actually hit a checking account after every deduction.
Where does a Marriage and Family Therapists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #19 out of 45 states for Marriage and Family Therapists after-tax take-home pay.
A Marriage and Family Therapists in Massachusetts earning a median salary of $67,370 will take home approximately $52,185 per year after federal income tax ($6,662), state income tax ($3,368), and FICA ($5,153). That is $4,348 per month or $2,007 per bi-weekly paycheck.
The effective total tax rate for a Marriage and Family Therapists in Massachusetts is 22.5%, broken down as: federal income tax 9.9%, 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 Marriage and Family Therapists's median salary of $67,370, the state income tax amounts to $3,368 per year, which is an effective state rate of 5.0%.
After all taxes, a Marriage and Family Therapists in Massachusetts takes home approximately $4,348 per month, or about $25.09 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 $67,370 for Marriage and Family Therapists 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 — $52,185/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