Civil Engineer Salary After Tax in Massachusetts (2026)

Median wage: $104,450/year → Take-home: $77,308/year ($6,442/mo)

Full Tax Breakdown — $104,450 in Massachusetts

Annual Take-Home$77,308After all taxes

Monthly$6,442Net per month

Bi-Weekly$2,973Every 2 weeks

Effective Tax Rate26.0%Fed + state + FICA

Where Your Money Goes

26.0%effective rate

Take-Home$77,30874.0%

Federal Tax$14,14913.5%

State & Local Tax$5,0034.8%

FICA$7,9907.7%

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$8,349

Affordability Snapshot

Based on your $6,442/mo take-home — 50/30/20 rule

Needs (50%)$3,221/mo

Rent, groceries, utilities, transport

Wants (30%)$1,933/mo

Dining, entertainment, hobbies

Savings (20%)$1,288/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$1,933/mo

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

Annual Savings Potential

$15,462

Daily Take-Home

$297

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
Total Taxes	−$27,142	−$2,262	−$1,044	−$522	−$104	−$13
Take-Home Pay	$77,308	$6,442	$2,973	$1,487	$297	$37

Federal Rate

13.5%

State Rate

4.8%

Total Rate

26.0%

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%
WAWashingtonNo Tax	$82,311	$22,139	21.2%
NVNevadaNo Tax	$82,311	$22,139	21.2%
OHOhio	$80,221 -$2,090	$24,229 -$2,090/yr	23.2%
PAPennsylvania	$79,104 -$3,207	$25,346 -$3,207/yr	24.3%
MAMassachusettsYou	$77,308 -$5,003	$27,142 -$5,003/yr	26.0%
ILIllinois	$77,285 -$5,025	$27,165 -$5,025/yr	26.0%
NYNew York	$77,188 -$5,122	$27,262 -$5,122/yr	26.1%
CACalifornia	$76,688 -$5,623	$27,762 -$5,623/yr	26.6%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $1,733/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.

💍

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.

🗺️

Moving to a no-tax state could net $5,003 more per year

States like Texas and Florida have no state income tax. At your salary, moving to Texas would mean $5,003/year more take-home — $417/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

$77,308

Monthly

$6,442

Bi-Weekly

$2,973

Weekly

$1,487

Hourly

$37.17

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

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, and Massachusetts state income tax, the estimated take-home is $77,308/year or $6,442/month.

The effective total tax rate is 26.0%. Compared to the national median ($99,590), Massachusetts pays above average ($4,860 more/yr).