Taxes in Andover, Massachusetts
Complete tax guide for Andover, MA. State income tax up to 5%, 1.22% property tax, 7.88% sales tax. Calculate your total tax burden.
State Income Tax
5%
Massachusetts
Property Tax
1.22%
Effective rate
Sales Tax
7.88%
Combined rate
Tax Burden
Moderate
Andover, MA Tax Overview
Population
36,220
Median Income
$88,000
Cost of Living
121 (100 = avg)
State Income Tax
5%
Median Home Price
$518,000
Andover Tax Calculator
Pre-filled with Andover median: $88,000
Total Tax Burden in Andover
$22,106
Take-Home: $65,894 · Effective Rate: 25.12%
Federal Tax
$10,974
12.47% eff.
MA State
$4,400
5.00% eff.
FICA
$6,732
7.65% eff.
Take-Home
$65,894
74.88% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $88,000.00 | $7,333.33 |
| Federal Income Tax | -$10,974.00 | -$914.50 |
| Massachusetts State Tax | -$4,400.00 | -$366.67 |
| Social Security (6.2%) | -$5,456.00 | -$454.67 |
| Medicare (1.45%) | -$1,276.00 | -$106.33 |
| Take-Home Pay | $65,894.00 | $5,491.17 |
Property Tax in Andover
Median Home
$518,000
Annual Tax
$6,320
Monthly Tax
$527
Effective Rate
1.22%
Sales Tax in Andover
Combined Rate
7.88%
State Portion
~5.4%
Local Portion
~2.5%
The combined sales tax rate in Andover is 7.88%, which is above the national average of 7.12%. On a $100 purchase, you would pay $7.88 in sales tax.
Tax Burden Comparison
| Tax Type | Andover | Massachusetts Avg | National Avg |
|---|---|---|---|
| Income Tax | 5% | 5% | 4.6% |
| Property Tax | 1.22% | ~1.22% | 1.1% |
| Sales Tax | 7.88% | ~7.88% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
Tax Saving Tips for Andover Residents
- Massachusetts's income tax rate of 5% is competitive. You may still benefit from maximizing 401(k) contributions ($23,500 limit) to reduce your taxable income at both state and federal levels.
- Property tax in Andover (1.22%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Andover, MA?
Andover, Massachusetts has a state income tax rate up to 5%. The property tax rate is 1.22% and the combined sales tax rate is 7.88%.
How much is property tax in Andover?
The effective property tax rate in Andover is 1.22%. On the median home price of $518,000, this equals approximately $6,320 per year or $527 per month. This is above the national average of 1.1%.
What is the sales tax rate in Andover?
The combined sales tax rate in Andover is 7.88%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Andover's tax burden compare to other cities?
Andover has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 29.8%. The combination of 5% state income tax, 1.22% property tax, and 7.88% sales tax determines the total burden. Cost of living index is 121 (100 = national average).
Are there any local taxes in Andover?
Andover does not impose a separate local or city income tax. Residents pay the state income tax of 5%, federal income tax, and FICA (Social Security and Medicare).