Taxes in Chelmsford, Massachusetts
Complete tax guide for Chelmsford, MA. State income tax up to 5%, 1.25% property tax, 7.16% sales tax. Calculate your total tax burden.
State Income Tax
5%
Massachusetts
Property Tax
1.25%
Effective rate
Sales Tax
7.16%
Combined rate
Tax Burden
High
Chelmsford, MA Tax Overview
Population
35,085
Median Income
$84,600
Cost of Living
127.9 (100 = avg)
State Income Tax
5%
Median Home Price
$577,000
Chelmsford Tax Calculator
Pre-filled with Chelmsford median: $84,600
Total Tax Burden in Chelmsford
$20,928
Take-Home: $63,672 · Effective Rate: 24.74%
Federal Tax
$10,226
12.09% eff.
MA State
$4,230
5.00% eff.
FICA
$6,472
7.65% eff.
Take-Home
$63,672
75.26% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $84,600.00 | $7,050.00 |
| Federal Income Tax | -$10,226.00 | -$852.17 |
| Massachusetts State Tax | -$4,230.00 | -$352.50 |
| Social Security (6.2%) | -$5,245.20 | -$437.10 |
| Medicare (1.45%) | -$1,226.70 | -$102.23 |
| Take-Home Pay | $63,672.10 | $5,306.01 |
Property Tax in Chelmsford
Median Home
$577,000
Annual Tax
$7,213
Monthly Tax
$601
Effective Rate
1.25%
Sales Tax in Chelmsford
Combined Rate
7.16%
State Portion
~4.7%
Local Portion
~2.5%
The combined sales tax rate in Chelmsford is 7.16%, which is above the national average of 7.12%. On a $100 purchase, you would pay $7.16 in sales tax.
Tax Burden Comparison
| Tax Type | Chelmsford | Massachusetts Avg | National Avg |
|---|---|---|---|
| Income Tax | 5% | 5% | 4.6% |
| Property Tax | 1.25% | ~1.25% | 1.1% |
| Sales Tax | 7.16% | ~7.16% | 7.12% |
| Overall Burden | High | — | Moderate |
Tax Saving Tips for Chelmsford 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 Chelmsford (1.25%) 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.
Other Cities in Massachusetts
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HighCalculate Your Full Massachusetts Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Chelmsford, MA?
Chelmsford, Massachusetts has a state income tax rate up to 5%. The property tax rate is 1.25% and the combined sales tax rate is 7.16%.
How much is property tax in Chelmsford?
The effective property tax rate in Chelmsford is 1.25%. On the median home price of $577,000, this equals approximately $7,213 per year or $601 per month. This is above the national average of 1.1%.
What is the sales tax rate in Chelmsford?
The combined sales tax rate in Chelmsford is 7.16%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Chelmsford's tax burden compare to other cities?
Chelmsford has a high overall tax burden. The effective total tax rate for a median-income household is approximately 30.9%. The combination of 5% state income tax, 1.25% property tax, and 7.16% sales tax determines the total burden. Cost of living index is 127.9 (100 = national average).
Are there any local taxes in Chelmsford?
Chelmsford 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).