Civil Engineer Salary After Tax in Boston (2026)

Est. wage: $104,750/year → Take-home: $77,022/year ($6,419/mo)

City Median Wage

$104,750

+$5,160 vs national

Annual Take-Home

$77,022

Monthly Take-Home

$6,419

Effective Tax Rate

26.5%

Full Tax Breakdown — $104,750 in Boston

Annual Take-Home$77,022After all taxes

Monthly$6,419Net per month

Bi-Weekly$2,962Every 2 weeks

Effective Tax Rate26.5%Fed + state + FICA + levies

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$482/yr in state payroll deductions beyond income tax and FICA — Paid Family and Medical Leave ($482). Mandatory and withheld from every paycheck.

Where Your Money Goes

26.5%effective rate

Take-Home$77,02273.5%

Federal Tax$14,21513.6%

State & Local Tax$5,0184.8%

FICA$8,0137.7%

MA PFML$4820.5%

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$8,415

Affordability Snapshot

Based on your $6,419/mo take-home — 50/30/20 rule

Needs (50%)$3,209/mo

Rent, groceries, utilities, transport

Wants (30%)$1,926/mo

Dining, entertainment, hobbies

Savings (20%)$1,284/mo

401k, emergency fund, investments

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Recommended Max Rent

$1,926/mo

30% of monthly take-home — the commonly recommended housing cost ceiling.

Annual Savings Potential

$15,404

Daily Take-Home

$296

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$104,750	$8,729	$4,029	$2,014	$403	$50
Federal Income Tax	−$14,215	−$1,185	−$547	−$273	−$55	−$7
State Income Tax	−$5,018	−$418	−$193	−$96	−$19	−$2
Social Security	−$6,495	−$541	−$250	−$125	−$25	−$3
Medicare	−$1,519	−$127	−$58	−$29	−$6	−$1
MA PFML	−$482	−$40	−$19	−$9	−$2	−$0
Total Taxes	−$27,728	−$2,311	−$1,066	−$533	−$107	−$13
Take-Home Pay	$77,022	$6,419	$2,962	$1,481	$296	$37

Federal Rate

13.6%

State Rate

5.2%

Total Rate

26.5%

State-by-State Comparison

Same $104,750 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo Tax	$82,522	$22,228	21.2%
FLFloridaNo Tax	$82,522	$22,228	21.2%
NVNevadaNo Tax	$82,522	$22,228	21.2%
WAWashingtonNo Tax	$81,069 -$1,453	$23,681 -$1,453/yr	22.6%
OHOhio	$80,423 -$2,098	$24,327 -$2,098/yr	23.2%
PAPennsylvania	$79,232 -$3,289	$25,518 -$3,289/yr	24.4%
ILIllinois	$77,481 -$5,040	$27,269 -$5,040/yr	26.0%
MAMassachusettsYou	$77,022 -$5,499	$27,728 -$5,499/yr	26.5%
NYNew York	$76,939 -$5,583	$27,811 -$5,583/yr	26.6%
CACalifornia	$75,509 -$7,013	$29,241 -$7,013/yr	27.9%

Ways to Increase Your Take-Home

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A $5,000 401(k) contribution saves $1,350/yr in taxes

Pre-tax 401(k) contributions reduce your federal and state taxable income. Contributing an additional $5,000 would increase your monthly take-home by $417 while building retirement savings.

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Married filing jointly saves $6,225/yr

If you're married, filing jointly gives you a $32,200 standard deduction (vs $16,100 single) and wider tax brackets. This would add $519/month to your take-home.

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Moving to a no-tax state could net $5,499 more per year

States like Texas and Florida have no state income tax. At your salary, moving to Texas would mean $5,499/year more take-home — $458/month — with no change to your gross salary.

Compare states →

Results for $104,750 salary · 2026 tax year

What does a Civil Engineer earn after taxes in Boston?

Based on BLS metro area wage data, a civil engineer in Boston earns approximately $104,750/year — $5,160 above the national median of $99,590. After federal income tax, FICA, and Massachusetts state income tax, the estimated take-home is $77,022/year or $6,419/month.