Massachusetts Tax Guide 2026

Massachusetts Income Tax Overview

Massachusetts has a 5% standard + 4% surtax on income over $1M (9% total). When combined with federal income tax and FICA taxes, Massachusetts residents in the median income range of $89,645 typically face a combined effective tax rate of approximately 33% on their gross income. The state income tax is calculated on taxable income after the federal standard deduction of $16,100 (single) or $32,200 (married filing jointly) for 2026.

Massachusetts Sales Tax Rate 2026

Massachusetts's combined sales tax rate is 6.25%, which includes a state rate plus an average local rate. On a $100 purchase, you pay $6.25 in sales tax — and $31.25 on a $500 purchase. Rates can vary within the state based on county and city jurisdiction.

Property Taxes in Massachusetts

Massachusetts homeowners pay an effective property tax rate of 1.04% annually. On the Massachusetts median home price of $590,000, that means approximately $6,136 per year — or $511 added to your monthly mortgage payment. Massachusetts's property tax rate is near the national average of 1.07%.

Total Tax Burden for Massachusetts Residents

When calculating the total tax burden for a Massachusetts household earning $89,645 annually, you must add: federal income tax (approximately $10,757), FICA taxes (7.65% = $6,858), Massachusetts state income tax (approximately $5,648), and property taxes if you own a home. Use the specific calculators above to get your exact personalized numbers based on your income, filing status, and situation.

Tax Tips for Massachusetts Residents in 2026

• Maximize your 401(k) to $24,500 — reduces both federal AND Massachusetts state income tax
• HSA contributions are deductible from both federal and state income tax in Massachusetts
• Check if Massachusetts has its own standard deduction (some states have lower amounts than federal)
• The 2026 OBBBA tip and overtime deductions apply at federal level — check Massachusetts conformity