Civil Engineer Salary After Tax in Massachusetts (2026)

Median wage: $104,450/year → Take-home: $76,828/year ($6,402/mo)

Full Tax Breakdown — $104,450 in Massachusetts

Annual Take-Home$76,828After all taxes

Monthly$6,402Net per month

Bi-Weekly$2,955Every 2 weeks

Effective Tax Rate26.4%Fed + state + FICA + levies

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$480/yr in state payroll deductions beyond income tax and FICA — Paid Family and Medical Leave ($480). Mandatory and withheld from every paycheck.

Where Your Money Goes

26.4%effective rate

Take-Home$76,82873.6%

Federal Tax$14,14913.5%

State & Local Tax$5,0034.8%

FICA$7,9907.7%

MA PFML$4800.5%

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$8,349

Affordability Snapshot

Based on your $6,402/mo take-home — 50/30/20 rule

Needs (50%)$3,201/mo

Rent, groceries, utilities, transport

Wants (30%)$1,921/mo

Dining, entertainment, hobbies

Savings (20%)$1,280/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$1,921/mo

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

Annual Savings Potential

$15,366

Daily Take-Home

$295

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$104,450	$8,704	$4,017	$2,009	$402	$50
Federal Income Tax	−$14,149	−$1,179	−$544	−$272	−$54	−$7
State Income Tax	−$5,003	−$417	−$192	−$96	−$19	−$2
Social Security	−$6,476	−$540	−$249	−$125	−$25	−$3
Medicare	−$1,515	−$126	−$58	−$29	−$6	−$1
MA PFML	−$480	−$40	−$18	−$9	−$2	−$0
Total Taxes	−$27,622	−$2,302	−$1,062	−$531	−$106	−$13
Take-Home Pay	$76,828	$6,402	$2,955	$1,477	$295	$37

Federal Rate

13.5%

State Rate

5.2%

Total Rate

26.4%

State-by-State Comparison

Same $104,450 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo Tax	$82,311	$22,139	21.2%
FLFloridaNo Tax	$82,311	$22,139	21.2%
NVNevadaNo Tax	$82,311	$22,139	21.2%
WAWashingtonNo Tax	$80,862 -$1,449	$23,588 -$1,449/yr	22.6%
OHOhio	$80,221 -$2,090	$24,229 -$2,090/yr	23.2%
PAPennsylvania	$79,031 -$3,280	$25,419 -$3,280/yr	24.3%
ILIllinois	$77,285 -$5,025	$27,165 -$5,025/yr	26.0%
MAMassachusettsYou	$76,828 -$5,483	$27,622 -$5,483/yr	26.4%
NYNew York	$76,745 -$5,565	$27,705 -$5,565/yr	26.5%
CACalifornia	$75,330 -$6,981	$29,120 -$6,981/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 $6,195/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 $516/month to your take-home.

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Moving to a no-tax state could net $5,483 more per year

States like Texas and Florida have no state income tax. At your salary, moving to Texas would mean $5,483/year more take-home — $457/month — with no change to your gross salary.

Compare states →

Results for $104,450 salary · 2026 tax year

At a Glance

Annual Gross

$104,450

Annual Take-Home

$76,828

Monthly

$6,402

Bi-Weekly

$2,955

Weekly

$1,477

Hourly

$36.94

Federal Income Tax

$14,149

13.5% of gross

State Income Tax

$5,003

4.8% of gross

FICA (SS + Medicare)

$7,990

7.7% of gross

MA PFML

$480

0.5% of gross

What does a Civil Engineer earn after taxes in Massachusetts?

The median annual wage for a civil engineer in Massachusetts is $104,450 according to BLS data. After federal income tax, FICA, Massachusetts state income tax, and Massachusetts's MA PFML payroll levy, the estimated take-home is $76,828/year or $6,402/month.

The effective total tax rate is 26.4%. Compared to the national median ($99,590), Massachusetts pays above average ($4,860 more/yr).