Physical Therapist Salary After Tax in Massachusetts (2026)

Median wage: $102,260/year → Take-home: $75,407/year ($6,284/mo)

Full Tax Breakdown — $102,260 in Massachusetts

Annual Take-Home$75,407After all taxes

Monthly$6,284Net per month

Bi-Weekly$2,900Every 2 weeks

Effective Tax Rate26.3%Fed + state + FICA + levies

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$470/yr in state payroll deductions beyond income tax and FICA — Paid Family and Medical Leave ($470). Mandatory and withheld from every paycheck.

Where Your Money Goes

26.3%effective rate

Take-Home$75,40773.7%

Federal Tax$13,66713.4%

State & Local Tax$4,8934.8%

FICA$7,8237.6%

MA PFML$4700.5%

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$7,867

Affordability Snapshot

Based on your $6,284/mo take-home — 50/30/20 rule

Needs (50%)$3,142/mo

Rent, groceries, utilities, transport

Wants (30%)$1,885/mo

Dining, entertainment, hobbies

Savings (20%)$1,257/mo

401k, emergency fund, investments

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Recommended Max Rent

$1,885/mo

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

Annual Savings Potential

$15,081

Daily Take-Home

$290

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$102,260	$8,522	$3,933	$1,967	$393	$49
Federal Income Tax	−$13,667	−$1,139	−$526	−$263	−$53	−$7
State Income Tax	−$4,893	−$408	−$188	−$94	−$19	−$2
Social Security	−$6,340	−$528	−$244	−$122	−$24	−$3
Medicare	−$1,483	−$124	−$57	−$29	−$6	−$1
MA PFML	−$470	−$39	−$18	−$9	−$2	−$0
Total Taxes	−$26,853	−$2,238	−$1,033	−$516	−$103	−$13
Take-Home Pay	$75,407	$6,284	$2,900	$1,450	$290	$36

Federal Rate

13.4%

State Rate

5.2%

Total Rate

26.3%

State-by-State Comparison

Same $102,260 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo Tax	$80,770	$21,490	21.0%
FLFloridaNo Tax	$80,770	$21,490	21.0%
NVNevadaNo Tax	$80,770	$21,490	21.0%
WAWashingtonNo Tax	$79,351 -$1,419	$22,909 -$1,419/yr	22.4%
OHOhio	$78,740 -$2,030	$23,520 -$2,030/yr	23.0%
PAPennsylvania	$77,559 -$3,211	$24,701 -$3,211/yr	24.2%
ILIllinois	$75,853 -$4,917	$26,407 -$4,917/yr	25.8%
MAMassachusettsYou	$75,407 -$5,363	$26,853 -$5,363/yr	26.3%
NYNew York	$75,334 -$5,436	$26,926 -$5,436/yr	26.3%
CACalifornia	$74,021 -$6,749	$28,239 -$6,749/yr	27.6%

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 $5,976/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 $498/month to your take-home.

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Moving to a no-tax state could net $5,363 more per year

States like Texas and Florida have no state income tax. At your salary, moving to Texas would mean $5,363/year more take-home — $447/month — with no change to your gross salary.

Compare states →

Results for $102,260 salary · 2026 tax year

At a Glance

Annual Gross

$102,260

Annual Take-Home

$75,407

Monthly

$6,284

Bi-Weekly

$2,900

Weekly

$1,450

Hourly

$36.25

Federal Income Tax

$13,667

13.4% of gross

State Income Tax

$4,893

4.8% of gross

FICA (SS + Medicare)

$7,823

7.6% of gross

MA PFML

$470

0.5% of gross

What does a Physical Therapist earn after taxes in Massachusetts?

The median annual wage for a physical therapist in Massachusetts is $102,260 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 $75,407/year or $6,284/month.

The effective total tax rate is 26.3%. Compared to the national median ($101,020), Massachusetts pays above average ($1,240 more/yr).