Massachusetts vs Florida: Take-Home Pay Compared
On a $100,000 salary you take home $74,040 in Massachusetts and $79,180 in Florida. That's $5,140 more per year ($428 a month) after moving to Florida.
| Massachusetts | Florida | Difference | |
|---|---|---|---|
| Federal income tax | $13,170 | $13,170 | $0 |
| Social Security + Medicare | $7,650 | $7,650 | $0 |
| State income tax | $4,680 | $0 | -$4,680 |
| State payroll & local tax | $460 | $0 | -$460 |
| Take-home pay / year | $74,040 | $79,180 | $5,140 |
| Take-home / month | $6,170 | $6,598 | $428 |
| Total tax rate | 26.0% | 20.8% | -5.1% |
To match your Massachusetts take-home pay, you would need about $92,700 in Florida.
Massachusetts vs Florida at every salary
Single filer, 2026 tax year, no pre-tax deductions. Difference is Florida minus Massachusetts.
| Salary | Massachusetts | Florida | Yearly difference | Monthly |
|---|---|---|---|---|
| $40,000 | $32,456 | $34,320 | $1,864 | $155 |
| $50,000 | $39,945 | $42,355 | $2,410 | $201 |
| $60,000 | $47,434 | $50,390 | $2,956 | $246 |
| $75,000 | $57,818 | $61,593 | $3,775 | $315 |
| $100,000 | $74,040 | $79,180 | $5,140 | $428 |
| $125,000 | $90,199 | $96,704 | $6,505 | $542 |
| $150,000 | $105,921 | $113,791 | $7,870 | $656 |
| $200,000 | $138,398 | $148,927 | $10,529 | $877 |
| $250,000 | $170,153 | $183,182 | $13,029 | $1,086 |
Why the difference?
Federal income tax, Social Security, and Medicare are identical in both states, so the gap comes entirely from state-level taxes. Massachusetts has income tax rates from 5.00% to 9.00%, while Florida has no income tax on wages. Massachusetts also withholds Massachusetts PFML.
Income tax is only part of the picture: states without an income tax often rely more on sales and property taxes, and housing costs vary far more than taxes do. Use this comparison for your paycheck, then weigh it against rent or mortgage costs in the cities you are considering.
Commuting across the line instead of moving? Read how taxes work when you live in one state and work in another. See the full breakdowns in the Massachusetts paycheck calculator and the Florida paycheck calculator.
Frequently asked questions
Is Florida cheaper than Massachusetts for taxes?
For wage earners, Florida takes less of your paycheck. On a $100,000 salary a single filer keeps $5,140 more per year in Florida than in Massachusetts ($428 per month). Massachusetts has income tax rates from 5.00% to 9.00%; Florida has no income tax on wages.
How much is $100,000 in Massachusetts worth in Florida?
To take home the same $74,040 you net on $100,000 in Massachusetts, you would need a salary of about $92,700 in Florida.
How much will I save moving from Massachusetts to Florida?
In income and payroll taxes, about $3,775 per year at $75,000, $5,140 at $100,000, and $7,870 at $150,000 (negative numbers mean you pay more in Florida). Sales, property, and housing costs are not included.