Last updated: 2025 BLS data · Page refreshed:
How much does a Substance Abuse, Behavioral Disorder, and Mental Health Counselors actually take home in Massachusetts?
5.0% flat rate — 21.3% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Substance Abuse, Behavioral Disorder, and Mental Health Counselors earning $59,890 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $59,890 | — |
| Federal Income Tax | -$5,202 | 8.7% |
| Massachusetts State Income Tax | -$2,994 | 5.0% |
| Social Security (OASDI) | -$3,713 | 6.2% |
| Medicare | -$868 | 1.5% |
| Total Taxes | -$12,778 | 21.3% |
| Take-Home Pay | $47,111 | 78.7% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Substance Abuse, Behavioral Disorder, and Mental Health Counselors in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $43,180 | -$8,659 | $34,520 | 20.1% |
| 25th Percentile (P25) | $47,540 | -$9,734 | $37,805 | 20.5% |
| Median (P50) | $59,890 | -$12,778 | $47,111 | 21.3% |
| 75th Percentile (P75) | $76,950 | -$18,504 | $58,445 | 24.0% |
| 90th Percentile (P90) | $96,200 | -$25,174 | $71,025 | 26.2% |
After federal income tax ($5,202), state tax ($2,994), and FICA ($4,581), a Substance Abuse, Behavioral Disorder, and Mental Health Counselors in Massachusetts takes home $47,111 per year — or $3,925 per month. The effective tax rate of 21.3% is relatively low compared to the national range.
With an effective total rate of 21.3%, a Substance Abuse, Behavioral Disorder, and Mental Health Counselors in Massachusetts keeps $47,111 of $59,890 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Massachusetts applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Substance Abuse, Behavioral Disorder, and Mental Health Counselors salary that contributes $2,994 to the 5.0% effective state-tax burden.
Federal tax on this Substance Abuse, Behavioral Disorder, and Mental Health Counselors salary is $5,203 (41%), but combined state ($2,994, 23%) + FICA ($4,582, 36%) make up the other 59% of the bill.
Moving this same Substance Abuse, Behavioral Disorder, and Mental Health Counselors salary to a zero-state-tax state would yield around $50,106 net — a gain of $2,994 (6.4%) per year versus Massachusetts.
Massachusetts ranks #25 of 51 states for Substance Abuse, Behavioral Disorder, and Mental Health Counselors after-tax pay — comfortably in the upper half.
Translated into paycheck cadences, $47,111 net/year works out to $3,926/month or $1,812/bi-weekly for this Substance Abuse, Behavioral Disorder, and Mental Health Counselors in Massachusetts — the numbers that actually hit a checking account after every deduction.
Where does a Substance Abuse, Behavioral Disorder, and Mental Health Counselors keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #25 out of 51 states for Substance Abuse, Behavioral Disorder, and Mental Health Counselors after-tax take-home pay.
A Substance Abuse, Behavioral Disorder, and Mental Health Counselors in Massachusetts earning a median salary of $59,890 will take home approximately $47,111 per year after federal income tax ($5,202), state income tax ($2,994), and FICA ($4,581). That is $3,925 per month or $1,811 per bi-weekly paycheck.
The effective total tax rate for a Substance Abuse, Behavioral Disorder, and Mental Health Counselors in Massachusetts is 21.3%, broken down as: federal income tax 8.7%, 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 Substance Abuse, Behavioral Disorder, and Mental Health Counselors's median salary of $59,890, the state income tax amounts to $2,994 per year, which is an effective state rate of 5.0%.
After all taxes, a Substance Abuse, Behavioral Disorder, and Mental Health Counselors in Massachusetts takes home approximately $3,925 per month, or about $22.65 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 $59,890 for Substance Abuse, Behavioral Disorder, and Mental Health Counselors 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 — $47,111/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