How much does a Physical Therapists actually take home in Massachusetts?
5.0% flat rate — 26.5% effective total tax rateData: BLS OEWS 2024 + IRS/State Tax Brackets 2024 • Updated 2026-04-02
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Detailed line-by-line tax calculation for a Physical Therapists earning $100,470 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $100,470 | — |
| Federal Income Tax | -$13,944 | 13.9% |
| Massachusetts State Income Tax | -$5,023 | 5.0% |
| Social Security (OASDI) | -$6,229 | 6.2% |
| Medicare | -$1,456 | 1.5% |
| Total Taxes | -$26,653 | 26.5% |
| Take-Home Pay | $73,816 | 73.5% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Physical Therapists in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $75,010 | -$17,831 | $57,178 | 23.8% |
| 25th Percentile (P25) | $82,370 | -$20,382 | $61,987 | 24.7% |
| Median (P50) | $100,470 | -$26,653 | $73,816 | 26.5% |
| 75th Percentile (P75) | $114,800 | -$31,619 | $83,180 | 27.5% |
| 90th Percentile (P90) | $124,250 | -$35,076 | $89,173 | 28.2% |
After federal income tax ($13,944), state tax ($5,023), and FICA ($7,685), a Physical Therapists in Massachusetts takes home $73,816 per year — or $6,151 per month. The effective tax rate of 26.5% is moderate compared to the national range.
Where does a Physical Therapists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #20 out of 51 states for Physical Therapists after-tax take-home pay.
A Physical Therapists in Massachusetts earning a median salary of $100,470 will take home approximately $73,816 per year after federal income tax ($13,944), state income tax ($5,023), and FICA ($7,685). That is $6,151 per month or $2,839 per bi-weekly paycheck.
The effective total tax rate for a Physical Therapists in Massachusetts is 26.5%, broken down as: federal income tax 13.9%, 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 Physical Therapists's median salary of $100,470, the state income tax amounts to $5,023 per year, which is an effective state rate of 5.0%.
After all taxes, a Physical Therapists in Massachusetts takes home approximately $6,151 per month, or about $35.49 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 2024 BLS median salary of $100,470 for Physical 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 — $73,816/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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