Last updated: 2025 BLS data · Page refreshed:
How much does a Occupational Therapists actually take home in Massachusetts?
5.0% flat rate — 26.6% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Occupational Therapists earning $100,930 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $100,930 | — |
| Federal Income Tax | -$14,045 | 13.9% |
| Massachusetts State Income Tax | -$5,046 | 5.0% |
| Social Security (OASDI) | -$6,257 | 6.2% |
| Medicare | -$1,463 | 1.5% |
| Total Taxes | -$26,813 | 26.6% |
| Take-Home Pay | $74,116 | 73.4% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Occupational Therapists in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $73,140 | -$17,184 | $55,955 | 23.5% |
| 25th Percentile (P25) | $83,960 | -$20,933 | $63,026 | 24.9% |
| Median (P50) | $100,930 | -$26,813 | $74,116 | 26.6% |
| 75th Percentile (P75) | $110,180 | -$30,018 | $80,161 | 27.2% |
| 90th Percentile (P90) | $127,380 | -$36,223 | $91,156 | 28.4% |
After federal income tax ($14,045), state tax ($5,046), and FICA ($7,721), a Occupational Therapists in Massachusetts takes home $74,116 per year — or $6,176 per month. The effective tax rate of 26.6% is moderate compared to the national range.
A Occupational Therapists in Massachusetts loses 26.6% of gross pay to taxes — higher than the ~25% national midpoint. Of the $100,930 gross, $74,117 lands in the paycheck after federal ($14,046), state ($5,046), and FICA ($7,721) withholding.
Massachusetts applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Occupational Therapists salary that contributes $5,046 to the 5.0% effective state-tax burden.
Federal tax on this Occupational Therapists salary is $14,046 (52%), but combined state ($5,046, 19%) + FICA ($7,721, 29%) make up the other 48% of the bill.
Moving this same Occupational Therapists salary to a zero-state-tax state would yield around $79,163 net — a gain of $5,046 (6.8%) per year versus Massachusetts.
Massachusetts ranks #22 of 51 states for Occupational Therapists after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $74,117 net/year works out to $6,176/month or $2,851/bi-weekly for this Occupational Therapists in Massachusetts — the numbers that actually hit a checking account after every deduction.
Where does a Occupational Therapists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #22 out of 51 states for Occupational Therapists after-tax take-home pay.
A Occupational Therapists in Massachusetts earning a median salary of $100,930 will take home approximately $74,116 per year after federal income tax ($14,045), state income tax ($5,046), and FICA ($7,721). That is $6,176 per month or $2,850 per bi-weekly paycheck.
The effective total tax rate for a Occupational Therapists in Massachusetts is 26.6%, broken down as: federal income tax 13.9%, Massachusetts state tax 5.0%, and FICA (Social Security + Medicare) 7.7%. This assumes a single filer with the standard deduction for 2024.
Massachusetts has a 5.0% flat rate. On a Occupational Therapists's median salary of $100,930, the state income tax amounts to $5,046 per year, which is an effective state rate of 5.0%.
After all taxes, a Occupational Therapists in Massachusetts takes home approximately $6,176 per month, or about $35.63 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 $100,930 for Occupational 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 — $74,116/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