Last updated: 2025 BLS data · Page refreshed:
How much does a Ship Engineers actually take home in Massachusetts?
5.0% flat rate — 28.1% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Ship Engineers earning $122,720 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $122,720 | — |
| Federal Income Tax | -$18,991 | 15.5% |
| Massachusetts State Income Tax | -$6,136 | 5.0% |
| Social Security (OASDI) | -$7,608 | 6.2% |
| Medicare | -$1,779 | 1.5% |
| Total Taxes | -$34,515 | 28.1% |
| Take-Home Pay | $88,204 | 71.9% |
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) | $81,580 | -$20,108 | $61,471 | 24.6% |
| 25th Percentile (P25) | $102,020 | -$27,190 | $74,829 | 26.7% |
| Median (P50) | $122,720 | -$34,515 | $88,204 | 28.1% |
| 75th Percentile (P75) | $150,800 | -$44,806 | $105,993 | 29.7% |
| 90th Percentile (P90) | $150,830 | -$44,817 | $106,012 | 29.7% |
After federal income tax ($18,991), state tax ($6,136), and FICA ($9,388), a Ship Engineers in Massachusetts takes home $88,204 per year — or $7,350 per month. The effective tax rate of 28.1% is moderate compared to the national range.
A Ship Engineers in Massachusetts loses 28.1% of gross pay to taxes — higher than the ~25% national midpoint. Of the $122,720 gross, $88,205 lands in the paycheck after federal ($18,991), state ($6,136), and FICA ($9,388) withholding.
Massachusetts applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Ship Engineers salary that contributes $6,136 to the 5.0% effective state-tax burden.
Federal income tax ($18,991) accounts for 55% of the total tax bill — the single largest deduction. FICA adds $9,388 (27%), and state tax the remaining $6,136 (18%).
The state-tax gap is substantial: a Ship Engineers earning this gross in a no-income-tax state would net about $94,341 — an extra $6,136 (7.0%) annually compared with Massachusetts.
For Ship Engineers after-tax pay, Massachusetts ranks #6 of 24 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $88,205 net/year works out to $7,350/month or $3,392/bi-weekly for this Ship Engineers in Massachusetts — the numbers that actually hit a checking account after every deduction.
Where does a Ship Engineers keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #6 out of 24 states for Ship Engineers after-tax take-home pay.
A Ship Engineers in Massachusetts earning a median salary of $122,720 will take home approximately $88,204 per year after federal income tax ($18,991), state income tax ($6,136), and FICA ($9,388). That is $7,350 per month or $3,392 per bi-weekly paycheck.
The effective total tax rate for a Ship Engineers in Massachusetts is 28.1%, broken down as: federal income tax 15.5%, 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 $122,720, the state income tax amounts to $6,136 per year, which is an effective state rate of 5.0%.
After all taxes, a Ship Engineers in Massachusetts takes home approximately $7,350 per month, or about $42.41 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 $122,720 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 — $88,204/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