Last updated: 2025 BLS data · Page refreshed:
How much does a Mental Health and Substance Abuse Social Workers actually take home in Massachusetts?
5.0% flat rate — 21.6% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Mental Health and Substance Abuse Social Workers earning $62,500 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $62,500 | — |
| Federal Income Tax | -$5,591 | 8.9% |
| Massachusetts State Income Tax | -$3,125 | 5.0% |
| Social Security (OASDI) | -$3,875 | 6.2% |
| Medicare | -$906 | 1.5% |
| Total Taxes | -$13,497 | 21.6% |
| Take-Home Pay | $49,002 | 78.4% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Mental Health and Substance Abuse Social Workers in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $48,260 | -$9,912 | $38,347 | 20.5% |
| 25th Percentile (P25) | $53,970 | -$11,319 | $42,650 | 21.0% |
| Median (P50) | $62,500 | -$13,497 | $49,002 | 21.6% |
| 75th Percentile (P75) | $78,750 | -$19,127 | $59,622 | 24.3% |
| 90th Percentile (P90) | $100,670 | -$26,723 | $73,946 | 26.5% |
After federal income tax ($5,591), state tax ($3,125), and FICA ($4,781), a Mental Health and Substance Abuse Social Workers in Massachusetts takes home $49,002 per year — or $4,083 per month. The effective tax rate of 21.6% is relatively low compared to the national range.
With an effective total rate of 21.6%, a Mental Health and Substance Abuse Social Workers in Massachusetts keeps $49,003 of $62,500 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 Mental Health and Substance Abuse Social Workers salary that contributes $3,125 to the 5.0% effective state-tax burden.
Federal tax on this Mental Health and Substance Abuse Social Workers salary is $5,591 (41%), but combined state ($3,125, 23%) + FICA ($4,781, 35%) make up the other 59% of the bill.
Moving this same Mental Health and Substance Abuse Social Workers salary to a zero-state-tax state would yield around $52,128 net — a gain of $3,125 (6.4%) per year versus Massachusetts.
Massachusetts ranks #18 of 51 states for Mental Health and Substance Abuse Social Workers after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $49,003 net/year works out to $4,084/month or $1,885/bi-weekly for this Mental Health and Substance Abuse Social Workers in Massachusetts — the numbers that actually hit a checking account after every deduction.
Where does a Mental Health and Substance Abuse Social Workers keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #18 out of 51 states for Mental Health and Substance Abuse Social Workers after-tax take-home pay.
A Mental Health and Substance Abuse Social Workers in Massachusetts earning a median salary of $62,500 will take home approximately $49,002 per year after federal income tax ($5,591), state income tax ($3,125), and FICA ($4,781). That is $4,083 per month or $1,884 per bi-weekly paycheck.
The effective total tax rate for a Mental Health and Substance Abuse Social Workers in Massachusetts is 21.6%, broken down as: federal income tax 8.9%, 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 Mental Health and Substance Abuse Social Workers's median salary of $62,500, the state income tax amounts to $3,125 per year, which is an effective state rate of 5.0%.
After all taxes, a Mental Health and Substance Abuse Social Workers in Massachusetts takes home approximately $4,083 per month, or about $23.56 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 $62,500 for Mental Health and Substance Abuse Social Workers 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 — $49,002/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