Taxes in New Bedford, Massachusetts
Complete tax guide for New Bedford, MA. State income tax up to 5%, 1.55% property tax, 6.25% sales tax. Calculate your total tax burden.
State Income Tax
5%
Massachusetts
Property Tax
1.55%
Effective rate
Sales Tax
6.25%
Combined rate
Tax Burden
High
New Bedford, MA Tax Overview
Population
101,079
Median Income
$42,277
Cost of Living
97.3 (100 = avg)
State Income Tax
5%
Median Home Price
$285,000
New Bedford Tax Calculator
Pre-filled with New Bedford median: $42,277
Total Tax Burden in New Bedford
$8,383
Take-Home: $33,894 · Effective Rate: 19.83%
Federal Tax
$3,035
7.18% eff.
MA State
$2,114
5.00% eff.
FICA
$3,234
7.65% eff.
Take-Home
$33,894
80.17% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $42,277.00 | $3,523.08 |
| Federal Income Tax | -$3,034.74 | -$252.89 |
| Massachusetts State Tax | -$2,113.85 | -$176.15 |
| Social Security (6.2%) | -$2,621.17 | -$218.43 |
| Medicare (1.45%) | -$613.02 | -$51.08 |
| Take-Home Pay | $33,894.22 | $2,824.52 |
Property Tax in New Bedford
Median Home
$285,000
Annual Tax
$4,418
Monthly Tax
$368
Effective Rate
1.55%
Sales Tax in New Bedford
Combined Rate
6.25%
State Portion
~3.8%
Local Portion
~2.5%
The combined sales tax rate in New Bedford is 6.25%, which is below the national average of 7.12%. On a $100 purchase, you would pay $6.25 in sales tax.
Tax Burden Comparison
| Tax Type | New Bedford | Massachusetts Avg | National Avg |
|---|---|---|---|
| Income Tax | 5% | 5% | 4.6% |
| Property Tax | 1.55% | ~1.55% | 1.1% |
| Sales Tax | 6.25% | ~6.25% | 7.12% |
| Overall Burden | High | — | Moderate |
Tax Saving Tips for New Bedford 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 New Bedford (1.55%) 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 New Bedford, MA?
New Bedford, Massachusetts has a state income tax rate up to 5%. The property tax rate is 1.55% and the combined sales tax rate is 6.25%.
How much is property tax in New Bedford?
The effective property tax rate in New Bedford is 1.55%. On the median home price of $285,000, this equals approximately $4,418 per year or $368 per month. This is above the national average of 1.1%.
What is the sales tax rate in New Bedford?
The combined sales tax rate in New Bedford is 6.25%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does New Bedford's tax burden compare to other cities?
New Bedford has a high overall tax burden. The effective total tax rate for a median-income household is approximately 30.6%. The combination of 5% state income tax, 1.55% property tax, and 6.25% sales tax determines the total burden. Cost of living index is 97.3 (100 = national average).
Are there any local taxes in New Bedford?
New Bedford 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).