How much does a Waiters and Waitresses actually take home in Massachusetts?
5.0% flat rate — 19.0% effective total tax rateData: BLS OEWS 2024 + IRS/State Tax Brackets 2024 • Updated 2026-04-06
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Detailed line-by-line tax calculation for a Waiters and Waitresses earning $35,070 in Massachusetts (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $35,070 | — |
| Federal Income Tax | -$2,224 | 6.3% |
| Massachusetts State Income Tax | -$1,753 | 5.0% |
| Social Security (OASDI) | -$2,174 | 6.2% |
| Medicare | -$508 | 1.5% |
| Total Taxes | -$6,660 | 19.0% |
| Take-Home Pay | $28,409 | 81.0% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Waiters and Waitresses in Massachusetts.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $31,210 | -$5,709 | $25,500 | 18.3% |
| 25th Percentile (P25) | $33,550 | -$6,286 | $27,263 | 18.7% |
| Median (P50) | $35,070 | -$6,660 | $28,409 | 19.0% |
| 75th Percentile (P75) | $45,320 | -$9,187 | $36,132 | 20.3% |
| 90th Percentile (P90) | $64,270 | -$14,110 | $50,159 | 22.0% |
After federal income tax ($2,224), state tax ($1,753), and FICA ($2,682), a Waiters and Waitresses in Massachusetts takes home $28,409 per year — or $2,367 per month. The effective tax rate of 19.0% is relatively low compared to the national range.
Where does a Waiters and Waitresses keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Massachusetts ranks #12 out of 51 states for Waiters and Waitresses after-tax take-home pay.
A Waiters and Waitresses in Massachusetts earning a median salary of $35,070 will take home approximately $28,409 per year after federal income tax ($2,224), state income tax ($1,753), and FICA ($2,682). That is $2,367 per month or $1,092 per bi-weekly paycheck.
The effective total tax rate for a Waiters and Waitresses in Massachusetts is 19.0%, broken down as: federal income tax 6.3%, 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 Waiters and Waitresses's median salary of $35,070, the state income tax amounts to $1,753 per year, which is an effective state rate of 5.0%.
After all taxes, a Waiters and Waitresses in Massachusetts takes home approximately $2,367 per month, or about $13.66 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 $35,070 for Waiters and Waitresses 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 — $28,409/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