Taxes in Northampton, Massachusetts
Complete tax guide for Northampton, MA. State income tax up to 5%, 1.18% property tax, 8.69% sales tax. Calculate your total tax burden.
State Income Tax
5%
Massachusetts
Property Tax
1.18%
Effective rate
Sales Tax
8.69%
Combined rate
Tax Burden
High
Northampton, MA Tax Overview
Population
28,726
Median Income
$89,100
Cost of Living
132.1 (100 = avg)
State Income Tax
5%
Median Home Price
$595,000
Northampton Tax Calculator
Pre-filled with Northampton median: $89,100
Total Tax Burden in Northampton
$22,487
Take-Home: $66,613 · Effective Rate: 25.24%
Federal Tax
$11,216
12.59% eff.
MA State
$4,455
5.00% eff.
FICA
$6,816
7.65% eff.
Take-Home
$66,613
74.76% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $89,100.00 | $7,425.00 |
| Federal Income Tax | -$11,216.00 | -$934.67 |
| Massachusetts State Tax | -$4,455.00 | -$371.25 |
| Social Security (6.2%) | -$5,524.20 | -$460.35 |
| Medicare (1.45%) | -$1,291.95 | -$107.66 |
| Take-Home Pay | $66,612.85 | $5,551.07 |
Property Tax in Northampton
Median Home
$595,000
Annual Tax
$7,021
Monthly Tax
$585
Effective Rate
1.18%
Sales Tax in Northampton
Combined Rate
8.69%
State Portion
~6.2%
Local Portion
~2.5%
The combined sales tax rate in Northampton is 8.69%, which is above the national average of 7.12%. On a $100 purchase, you would pay $8.69 in sales tax.
Tax Burden Comparison
| Tax Type | Northampton | Massachusetts Avg | National Avg |
|---|---|---|---|
| Income Tax | 5% | 5% | 4.6% |
| Property Tax | 1.18% | ~1.18% | 1.1% |
| Sales Tax | 8.69% | ~8.69% | 7.12% |
| Overall Burden | High | — | Moderate |
Tax Saving Tips for Northampton 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 Northampton (1.18%) 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 8.69% 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.
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 Northampton, MA?
Northampton, Massachusetts has a state income tax rate up to 5%. The property tax rate is 1.18% and the combined sales tax rate is 8.69%.
How much is property tax in Northampton?
The effective property tax rate in Northampton is 1.18%. On the median home price of $595,000, this equals approximately $7,021 per year or $585 per month. This is above the national average of 1.1%.
What is the sales tax rate in Northampton?
The combined sales tax rate in Northampton is 8.69%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Northampton's tax burden compare to other cities?
Northampton has a high overall tax burden. The effective total tax rate for a median-income household is approximately 30.7%. The combination of 5% state income tax, 1.18% property tax, and 8.69% sales tax determines the total burden. Cost of living index is 132.1 (100 = national average).
Are there any local taxes in Northampton?
Northampton 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).