How much does a Ship Engineers actually take home in Massachusetts?
5.0% flat rate — 26.2% effective total tax rateData: BLS OEWS 2024 + IRS/State Tax Brackets 2024 • Updated 2026-04-02
Some links are affiliate links. See our disclosure.
Detailed line-by-line tax calculation for a Ship Engineers earning $96,180 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $96,180 | — |
| Federal Income Tax | -$13,000 | 13.5% |
| Massachusetts State Income Tax | -$4,809 | 5.0% |
| Social Security (OASDI) | -$5,963 | 6.2% |
| Medicare | -$1,394 | 1.4% |
| Total Taxes | -$25,167 | 26.2% |
| Take-Home Pay | $71,012 | 73.8% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Ship Engineers in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $76,630 | -$18,393 | $58,236 | 24.0% |
| 25th Percentile (P25) | $89,070 | -$22,703 | $66,366 | 25.5% |
| Median (P50) | $96,180 | -$25,167 | $71,012 | 26.2% |
| 75th Percentile (P75) | $109,890 | -$29,917 | $79,972 | 27.2% |
| 90th Percentile (P90) | $169,930 | -$51,735 | $118,194 | 30.4% |
After federal income tax ($13,000), state tax ($4,809), and FICA ($7,357), a Ship Engineers in Massachusetts takes home $71,012 per year — or $5,917 per month. The effective tax rate of 26.2% is moderate compared to the national range.
Where does a Ship Engineers keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #9 out of 23 states for Ship Engineers after-tax take-home pay.
A Ship Engineers in Massachusetts earning a median salary of $96,180 will take home approximately $71,012 per year after federal income tax ($13,000), state income tax ($4,809), and FICA ($7,357). That is $5,917 per month or $2,731 per bi-weekly paycheck.
The effective total tax rate for a Ship Engineers in Massachusetts is 26.2%, broken down as: federal income tax 13.5%, 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 Ship Engineers's median salary of $96,180, the state income tax amounts to $4,809 per year, which is an effective state rate of 5.0%.
After all taxes, a Ship Engineers in Massachusetts takes home approximately $5,917 per month, or about $34.14 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 $96,180 for Ship Engineers 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 — $71,012/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