Last updated: 2025 BLS data · Page refreshed:
How much does a Physicists actually take home in Massachusetts?
5.0% flat rate — 27.0% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Physicists earning $106,410 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $106,410 | — |
| Federal Income Tax | -$15,251 | 14.3% |
| Massachusetts State Income Tax | -$5,320 | 5.0% |
| Social Security (OASDI) | -$6,597 | 6.2% |
| Medicare | -$1,542 | 1.5% |
| Total Taxes | -$28,712 | 27.0% |
| Take-Home Pay | $77,697 | 73.0% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Physicists in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $82,050 | -$20,271 | $61,778 | 24.7% |
| 25th Percentile (P25) | $82,070 | -$20,278 | $61,791 | 24.7% |
| Median (P50) | $106,410 | -$28,712 | $77,697 | 27.0% |
| 75th Percentile (P75) | $170,190 | -$51,814 | $118,375 | 30.4% |
| 90th Percentile (P90) | $213,150 | -$65,542 | $147,607 | 30.7% |
After federal income tax ($15,251), state tax ($5,320), and FICA ($8,140), a Physicists in Massachusetts takes home $77,697 per year — or $6,474 per month. The effective tax rate of 27.0% is moderate compared to the national range.
A Physicists in Massachusetts loses 27.0% of gross pay to taxes — higher than the ~25% national midpoint. Of the $106,410 gross, $77,698 lands in the paycheck after federal ($15,251), state ($5,320), and FICA ($8,140) withholding.
Massachusetts applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Physicists salary that contributes $5,320 to the 5.0% effective state-tax burden.
Federal tax on this Physicists salary is $15,251 (53%), but combined state ($5,320, 19%) + FICA ($8,140, 28%) make up the other 47% of the bill.
Moving this same Physicists salary to a zero-state-tax state would yield around $83,018 net — a gain of $5,320 (6.8%) per year versus Massachusetts.
Massachusetts sits near the bottom (#38 of 43) for Physicists after-tax earnings. Relocation, negotiation, or credential stacking typically show the clearest ROI in bottom-quartile states.
Translated into paycheck cadences, $77,698 net/year works out to $6,475/month or $2,988/bi-weekly for this Physicists in Massachusetts — the numbers that actually hit a checking account after every deduction.
Where does a Physicists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #38 out of 43 states for Physicists after-tax take-home pay.
A Physicists in Massachusetts earning a median salary of $106,410 will take home approximately $77,697 per year after federal income tax ($15,251), state income tax ($5,320), and FICA ($8,140). That is $6,474 per month or $2,988 per bi-weekly paycheck.
The effective total tax rate for a Physicists in Massachusetts is 27.0%, broken down as: federal income tax 14.3%, 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 Physicists's median salary of $106,410, the state income tax amounts to $5,320 per year, which is an effective state rate of 5.0%.
After all taxes, a Physicists in Massachusetts takes home approximately $6,474 per month, or about $37.35 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 $106,410 for Physicists 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 — $77,697/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