Physician (General Practice) Salary After Tax in Massachusetts (2026)

Median wage: $239,200/year → Take-home: $163,503/year ($13,625/mo)

Full Tax Breakdown — $239,200 in Massachusetts

Annual Take-Home$163,503After all taxes

Monthly$13,625Net per month

Bi-Weekly$6,289Every 2 weeks

Effective Tax Rate31.6%Fed + state + FICA + levies

◆

$849/yr in state payroll deductions beyond income tax and FICA — Paid Family and Medical Leave ($849). Mandatory and withheld from every paycheck.

Where Your Money Goes

31.6%effective rate

Take-Home$163,50368.4%

Federal Tax$47,84820.0%

State & Local Tax$11,7404.9%

FICA$15,2606.4%

MA PFML$8490.4%

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$12,166

24%

$23,058

32%

$6,824

Affordability Snapshot

Based on your $13,625/mo take-home — 50/30/20 rule

Needs (50%)$6,813/mo

Rent, groceries, utilities, transport

Wants (30%)$4,088/mo

Dining, entertainment, hobbies

Savings (20%)$2,725/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$4,088/mo

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

Annual Savings Potential

$32,701

Daily Take-Home

$629

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$239,200	$19,933	$9,200	$4,600	$920	$115
Federal Income Tax	−$47,848	−$3,987	−$1,840	−$920	−$184	−$23
State Income Tax	−$11,740	−$978	−$452	−$226	−$45	−$6
Social Security	−$11,439	−$953	−$440	−$220	−$44	−$6
Medicare	−$3,821	−$318	−$147	−$73	−$15	−$2
MA PFML	−$849	−$71	−$33	−$16	−$3	−$0
Total Taxes	−$75,697	−$6,308	−$2,911	−$1,456	−$291	−$36
Take-Home Pay	$163,503	$13,625	$6,289	$3,144	$629	$79

Federal Rate

20.0%

State Rate

5.3%

Total Rate

31.6%

State-by-State Comparison

Same $239,200 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo Tax	$176,092	$63,108	26.4%
FLFloridaNo Tax	$176,092	$63,108	26.4%
NVNevadaNo Tax	$176,092	$63,108	26.4%
WAWashingtonNo Tax	$173,215 -$2,877	$65,985 -$2,877/yr	27.6%
OHOhio	$170,296 -$5,796	$68,904 -$5,796/yr	28.8%
PAPennsylvania	$168,581 -$7,511	$70,619 -$7,511/yr	29.5%
ILIllinois	$164,396 -$11,696	$74,804 -$11,696/yr	31.3%
MAMassachusettsYou	$163,503 -$12,589	$75,697 -$12,589/yr	31.6%
NYNew York	$162,426 -$13,666	$76,774 -$13,666/yr	32.1%
CACalifornia	$154,827 -$21,264	$84,373 -$21,264/yr	35.3%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $1,850/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 $13,457/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 $1,121/month to your take-home.

🗺️

Moving to a no-tax state could net $12,589 more per year

States like Texas and Florida have no state income tax. At your salary, moving to Texas would mean $12,589/year more take-home — $1,049/month — with no change to your gross salary.

Compare states →

Results for $239,200 salary · 2026 tax year

At a Glance

Annual Gross

$239,200

Annual Take-Home

$163,503

Monthly

$13,625

Bi-Weekly

$6,289

Weekly

$3,144

Hourly

$78.61

Federal Income Tax

$47,848

20.0% of gross

State Income Tax

$11,740

4.9% of gross

FICA (SS + Medicare)

$15,260

6.4% of gross

MA PFML

$849

0.4% of gross

What does a Physician (General Practice) earn after taxes in Massachusetts?

The median annual wage for a physician (general practice) in Massachusetts is $239,200 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 $163,503/year or $13,625/month.

The effective total tax rate is 31.6%. Compared to the national median ($238,380), Massachusetts pays above average ($820 more/yr).