Paycheck calculator › After taxes and rent › Boston › $80,000
$80,000 after taxes and rent in Boston (2026)
A $80,000 salary in Boston takes home $5,088 a month after federal tax, FICA, Massachusetts state tax. A typical one-bedroom costs $2,476 (HUD FY2026), leaving $2,612 a month for everything else — rent is 48.7% of take-home, above the 30% guideline. A studio leaves $2,730; a two-bedroom $2,148.
Your pay
Take-home pay
$5,088
take-home pay a month
from a gross of $6,667
Effective tax rate 23.7%Marginal rate 35.1%Total taxes $18,938
Federal tax 11.0%FICA 7.6%State 5.1%Take-home 76.3%
I want to take home
$
Net pay on my pay stub
$
| Line | A | B | Difference |
|---|
| Line | Monthly | Yearly |
|---|---|---|
| Gross pay | $6,667 | $80,000 |
| Federal income tax | −$731 | −$8,770 |
| Taxable income $63,900 = wages $80,000 − standard deduction $16,100, through the 2026 brackets (10%/12%/22%/24%/32%/35%/37%). | ||
| Social Security (6.2%) | −$413 | −$4,960 |
| 6.2% of $80,000. | ||
| Medicare (1.45%) | −$97 | −$1,160 |
| 1.45% of $80,000. | ||
| Massachusetts state income tax | −$307 | −$3,680 |
| Taxable $73,600 = wages $80,000 − exemption $4,400. Brackets 5%/9%. | ||
| MA PFML | −$31 | −$368 |
| 0.46% of wages up to $184,500. | ||
| Take-home pay | $5,088 | $61,062 |
take-home pay a month$5,088
$80,000 in Boston: monthly budget after rent
| Unit | HUD FMR | Left after rent / mo | Rent share of take-home |
|---|---|---|---|
| Studio | $2,359 | $2,730 | 46.4% |
| One bedroom | $2,476 | $2,612 | 48.7% |
| Two bedrooms | $2,941 | $2,148 | 57.8% |
| Three bedrooms | $3,526 | $1,562 | 69.3% |
Rents are HUD Fair Market Rents for FY2026 (the 40th-percentile gross rent, utilities included, for the metro area — a modest, typical unit, not a luxury one). Take-home is for a single filer with no pre-tax deductions, 2026 tables, city tax where it applies. The 30% rule compares rent with take-home pay, not gross.