Taxes in Gloucester, Massachusetts
Complete tax guide for Gloucester, MA. State income tax up to 5%, 1.2% property tax, 7.53% sales tax. Calculate your total tax burden.
State Income Tax
5%
Massachusetts
Property Tax
1.2%
Effective rate
Sales Tax
7.53%
Combined rate
Tax Burden
High
Gloucester, MA Tax Overview
Population
30,273
Median Income
$71,600
Cost of Living
126.6 (100 = avg)
State Income Tax
5%
Median Home Price
$510,000
Gloucester Tax Calculator
Pre-filled with Gloucester median: $71,600
Total Tax Burden in Gloucester
$16,423
Take-Home: $55,177 · Effective Rate: 22.94%
Federal Tax
$7,366
10.29% eff.
MA State
$3,580
5.00% eff.
FICA
$5,477
7.65% eff.
Take-Home
$55,177
77.06% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $71,600.00 | $5,966.67 |
| Federal Income Tax | -$7,366.00 | -$613.83 |
| Massachusetts State Tax | -$3,580.00 | -$298.33 |
| Social Security (6.2%) | -$4,439.20 | -$369.93 |
| Medicare (1.45%) | -$1,038.20 | -$86.52 |
| Take-Home Pay | $55,176.60 | $4,598.05 |
Property Tax in Gloucester
Median Home
$510,000
Annual Tax
$6,120
Monthly Tax
$510
Effective Rate
1.2%
Sales Tax in Gloucester
Combined Rate
7.53%
State Portion
~5.0%
Local Portion
~2.5%
The combined sales tax rate in Gloucester is 7.53%, which is above the national average of 7.12%. On a $100 purchase, you would pay $7.53 in sales tax.
Tax Burden Comparison
| Tax Type | Gloucester | Massachusetts Avg | National Avg |
|---|---|---|---|
| Income Tax | 5% | 5% | 4.6% |
| Property Tax | 1.2% | ~1.2% | 1.1% |
| Sales Tax | 7.53% | ~7.53% | 7.12% |
| Overall Burden | High | — | Moderate |
Tax Saving Tips for Gloucester 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 Gloucester (1.2%) 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 Gloucester, MA?
Gloucester, Massachusetts has a state income tax rate up to 5%. The property tax rate is 1.2% and the combined sales tax rate is 7.53%.
How much is property tax in Gloucester?
The effective property tax rate in Gloucester is 1.2%. On the median home price of $510,000, this equals approximately $6,120 per year or $510 per month. This is above the national average of 1.1%.
What is the sales tax rate in Gloucester?
The combined sales tax rate in Gloucester is 7.53%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Gloucester's tax burden compare to other cities?
Gloucester has a high overall tax burden. The effective total tax rate for a median-income household is approximately 31%. The combination of 5% state income tax, 1.2% property tax, and 7.53% sales tax determines the total burden. Cost of living index is 126.6 (100 = national average).
Are there any local taxes in Gloucester?
Gloucester 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).