Taxes in North Andover, Massachusetts
Complete tax guide for North Andover, MA. State income tax up to 5%, 1.17% property tax, 8.39% sales tax. Calculate your total tax burden.
State Income Tax
5%
Massachusetts
Property Tax
1.17%
Effective rate
Sales Tax
8.39%
Combined rate
Tax Burden
High
North Andover, MA Tax Overview
Population
31,187
Median Income
$71,400
Cost of Living
136.2 (100 = avg)
State Income Tax
5%
Median Home Price
$608,000
North Andover Tax Calculator
Pre-filled with North Andover median: $71,400
Total Tax Burden in North Andover
$16,354
Take-Home: $55,046 · Effective Rate: 22.90%
Federal Tax
$7,322
10.25% eff.
MA State
$3,570
5.00% eff.
FICA
$5,462
7.65% eff.
Take-Home
$55,046
77.10% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $71,400.00 | $5,950.00 |
| Federal Income Tax | -$7,322.00 | -$610.17 |
| Massachusetts State Tax | -$3,570.00 | -$297.50 |
| Social Security (6.2%) | -$4,426.80 | -$368.90 |
| Medicare (1.45%) | -$1,035.30 | -$86.27 |
| Take-Home Pay | $55,045.90 | $4,587.16 |
Property Tax in North Andover
Median Home
$608,000
Annual Tax
$7,114
Monthly Tax
$593
Effective Rate
1.17%
Sales Tax in North Andover
Combined Rate
8.39%
State Portion
~5.9%
Local Portion
~2.5%
The combined sales tax rate in North Andover is 8.39%, which is above the national average of 7.12%. On a $100 purchase, you would pay $8.39 in sales tax.
Tax Burden Comparison
| Tax Type | North Andover | Massachusetts Avg | National Avg |
|---|---|---|---|
| Income Tax | 5% | 5% | 4.6% |
| Property Tax | 1.17% | ~1.17% | 1.1% |
| Sales Tax | 8.39% | ~8.39% | 7.12% |
| Overall Burden | High | — | Moderate |
Tax Saving Tips for North 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 North Andover (1.17%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- The combined sales tax rate of 8.39% is relatively high. Consider making large purchases in lower-tax jurisdictions or online retailers that do not charge local tax rates.
- 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 North Andover, MA?
North Andover, Massachusetts has a state income tax rate up to 5%. The property tax rate is 1.17% and the combined sales tax rate is 8.39%.
How much is property tax in North Andover?
The effective property tax rate in North Andover is 1.17%. On the median home price of $608,000, this equals approximately $7,114 per year or $593 per month. This is above the national average of 1.1%.
What is the sales tax rate in North Andover?
The combined sales tax rate in North Andover is 8.39%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does North Andover's tax burden compare to other cities?
North Andover has a high overall tax burden. The effective total tax rate for a median-income household is approximately 32.7%. The combination of 5% state income tax, 1.17% property tax, and 8.39% sales tax determines the total burden. Cost of living index is 136.2 (100 = national average).
Are there any local taxes in North Andover?
North 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).