Last updated: 2025 BLS data · Page refreshed:
How much does a School Psychologists actually take home in Massachusetts?
5.0% flat rate — 26.4% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a School Psychologists earning $98,670 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $98,670 | — |
| Federal Income Tax | -$13,548 | 13.7% |
| Massachusetts State Income Tax | -$4,933 | 5.0% |
| Social Security (OASDI) | -$6,117 | 6.2% |
| Medicare | -$1,430 | 1.5% |
| Total Taxes | -$26,030 | 26.4% |
| Take-Home Pay | $72,639 | 73.6% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of School Psychologists in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $65,990 | -$14,706 | $51,283 | 22.3% |
| 25th Percentile (P25) | $80,900 | -$19,872 | $61,027 | 24.6% |
| Median (P50) | $98,670 | -$26,030 | $72,639 | 26.4% |
| 75th Percentile (P75) | $111,990 | -$30,645 | $81,344 | 27.4% |
| 90th Percentile (P90) | $135,280 | -$39,118 | $96,161 | 28.9% |
After federal income tax ($13,548), state tax ($4,933), and FICA ($7,548), a School Psychologists in Massachusetts takes home $72,639 per year — or $6,053 per month. The effective tax rate of 26.4% is moderate compared to the national range.
A School Psychologists in Massachusetts loses 26.4% of gross pay to taxes — higher than the ~25% national midpoint. Of the $98,670 gross, $72,640 lands in the paycheck after federal ($13,548), state ($4,934), and FICA ($7,548) withholding.
Massachusetts applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this School Psychologists salary that contributes $4,934 to the 5.0% effective state-tax burden.
Federal tax on this School Psychologists salary is $13,548 (52%), but combined state ($4,934, 19%) + FICA ($7,548, 29%) make up the other 48% of the bill.
Moving this same School Psychologists salary to a zero-state-tax state would yield around $77,573 net — a gain of $4,934 (6.8%) per year versus Massachusetts.
For School Psychologists after-tax pay, Massachusetts ranks #12 of 51 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $72,640 net/year works out to $6,053/month or $2,794/bi-weekly for this School Psychologists in Massachusetts — the numbers that actually hit a checking account after every deduction.
Where does a School Psychologists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #12 out of 51 states for School Psychologists after-tax take-home pay.
A School Psychologists in Massachusetts earning a median salary of $98,670 will take home approximately $72,639 per year after federal income tax ($13,548), state income tax ($4,933), and FICA ($7,548). That is $6,053 per month or $2,793 per bi-weekly paycheck.
The effective total tax rate for a School Psychologists in Massachusetts is 26.4%, broken down as: federal income tax 13.7%, 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 School Psychologists's median salary of $98,670, the state income tax amounts to $4,933 per year, which is an effective state rate of 5.0%.
After all taxes, a School Psychologists in Massachusetts takes home approximately $6,053 per month, or about $34.92 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 $98,670 for School Psychologists 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 — $72,639/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