Taxes in Haverhill, Massachusetts
Complete tax guide for Haverhill, MA. State income tax up to 5%, 1.21% property tax, 7.76% sales tax. Calculate your total tax burden.
State Income Tax
5%
Massachusetts
Property Tax
1.21%
Effective rate
Sales Tax
7.76%
Combined rate
Tax Burden
Moderate
Haverhill, MA Tax Overview
Population
67,835
Median Income
$90,600
Cost of Living
139.4 (100 = avg)
State Income Tax
5%
Median Home Price
$557,000
Haverhill Tax Calculator
Pre-filled with Haverhill median: $90,600
Total Tax Burden in Haverhill
$23,007
Take-Home: $67,593 · Effective Rate: 25.39%
Federal Tax
$11,546
12.74% eff.
MA State
$4,530
5.00% eff.
FICA
$6,931
7.65% eff.
Take-Home
$67,593
74.61% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $90,600.00 | $7,550.00 |
| Federal Income Tax | -$11,546.00 | -$962.17 |
| Massachusetts State Tax | -$4,530.00 | -$377.50 |
| Social Security (6.2%) | -$5,617.20 | -$468.10 |
| Medicare (1.45%) | -$1,313.70 | -$109.48 |
| Take-Home Pay | $67,593.10 | $5,632.76 |
Property Tax in Haverhill
Median Home
$557,000
Annual Tax
$6,740
Monthly Tax
$562
Effective Rate
1.21%
Sales Tax in Haverhill
Combined Rate
7.76%
State Portion
~5.3%
Local Portion
~2.5%
The combined sales tax rate in Haverhill is 7.76%, which is above the national average of 7.12%. On a $100 purchase, you would pay $7.76 in sales tax.
Tax Burden Comparison
| Tax Type | Haverhill | Massachusetts Avg | National Avg |
|---|---|---|---|
| Income Tax | 5% | 5% | 4.6% |
| Property Tax | 1.21% | ~1.21% | 1.1% |
| Sales Tax | 7.76% | ~7.76% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
Tax Saving Tips for Haverhill 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 Haverhill (1.21%) 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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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 Haverhill, MA?
Haverhill, Massachusetts has a state income tax rate up to 5%. The property tax rate is 1.21% and the combined sales tax rate is 7.76%.
How much is property tax in Haverhill?
The effective property tax rate in Haverhill is 1.21%. On the median home price of $557,000, this equals approximately $6,740 per year or $562 per month. This is above the national average of 1.1%.
What is the sales tax rate in Haverhill?
The combined sales tax rate in Haverhill is 7.76%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Haverhill's tax burden compare to other cities?
Haverhill has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 30%. The combination of 5% state income tax, 1.21% property tax, and 7.76% sales tax determines the total burden. Cost of living index is 139.4 (100 = national average).
Are there any local taxes in Haverhill?
Haverhill 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).