1Massachusetts
Lowest22.6%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $3,530
- Payroll tax (FICA)
- $5,738
- Total tax
- $16,938
- Net income (annual)
- $58,063
Tax year 2026 · state vs state
Hawaii vs Massachusetts Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $640 less state income tax a year in Massachusetts than in Hawaii, which is about $53 a month. At $150,000 the gap is $2,648 in favor of Massachusetts.
Hawaii: up to 11%Massachusetts: up to 9%Updated October 10, 2026
Compare Hawaii and Massachusetts for your income
Estimate for education only, not tax advice. 2026 federal and state rules, standard deductions, no local taxes. How we calculate.
State comparison
Comparing 2 states, sorted by lowest overall tax rate.
2Hawaii
23.4%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $4,170
- Payroll tax (FICA)
- $5,738
- Total tax
- $17,577
- Net income (annual)
- $57,423
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💰 Monthly breakdown
Your take-home pay, spread across the year
Massachusetts
Monthly gross$6,250
Monthly tax$1,411
Monthly take-home$4,839
Hawaii
Monthly gross$6,250
Monthly tax$1,465
Monthly take-home$4,785
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
Hawaii vs Massachusetts: how the two systems differ
| Hawaii | Massachusetts | |
|---|---|---|
| Wage income tax | Progressive, 12 brackets | Progressive, 2 brackets |
| Top rate | 11% | 9% |
| Lowest rate | 1.4% | 5% |
| Deductions and credits (single) | $4,400 standard deduction, $1,144 personal exemption | $4,400 personal exemption |
State income tax and take-home pay at every salary
The same salary can leave you with different take-home pay depending on the state. This table applies each state’s 2026 rules to a single filer with no pre-tax contributions.
| Income | HI state tax | MA state tax | Difference | HI take-home | MA take-home |
|---|---|---|---|---|---|
| $30,000 | $890 | $1,280 | $390 less in Hawaii | $25,395 | $25,005 |
| $40,000 | $1,570 | $1,780 | $210 less in Hawaii | $32,750 | $32,540 |
| $50,000 | $2,284 | $2,280 | $4 less in Massachusetts | $40,071 | $40,075 |
| $60,000 | $3,030 | $2,780 | $250 less in Massachusetts | $47,360 | $47,610 |
| $75,000 | $4,170 | $3,530 | $640 less in Massachusetts | $57,423 | $58,063 |
| $100,000 | $6,070 | $4,780 | $1,290 less in Massachusetts | $73,110 | $74,400 |
| $150,000 | $9,928 | $7,280 | $2,648 less in Massachusetts | $103,863 | $106,511 |
| $250,000 | $18,217 | $12,280 | $5,937 less in Massachusetts | $164,965 | $170,902 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | HI state tax | MA state tax | Difference | HI take-home | MA take-home |
|---|---|---|---|---|---|
| $75,000 | $2,800 | $3,310 | $510 less in Hawaii | $61,822 | $61,313 |
| $100,000 | $4,568 | $4,560 | $8 less in Massachusetts | $80,142 | $80,150 |
| $150,000 | $8,340 | $7,060 | $1,280 less in Massachusetts | $114,845 | $116,125 |
| $250,000 | $15,940 | $12,060 | $3,880 less in Massachusetts | $181,528 | $185,408 |
Married filing jointly, 2026, federal standard deduction. Uses each state's joint brackets where they differ.
Does the lower-tax state change as income rises?
For a single filer, Hawaii is the lower-tax state up to roughly $50,000 of income, and Massachusetts becomes the lower-tax state above that.
Rates side by side
Hawaii (single filers)
| 1.4% | Up to $9,600 |
| 3.2% | $9,601 to $14,400 |
| 5.5% | $14,401 to $19,200 |
| 6.4% | $19,201 to $24,000 |
| 6.8% | $24,001 to $36,000 |
| 7.2% | $36,001 to $48,000 |
| 7.6% | $48,001 to $125,000 |
| 7.9% | $125,001 to $175,000 |
| 8.25% | $175,001 to $225,000 |
| 9% | $225,001 to $275,000 |
| 10% | $275,001 to $325,000 |
| 11% | Over $325,000 |
Massachusetts (single filers)
| 5% | Up to $1,083,150 |
| 9% | Over $1,083,150 |
- Massachusetts: The 9% rate is the 4% “millionaires tax” surtax on income above the threshold, added to the 5% base rate.
Full details for each state: Hawaii income tax calculator and Massachusetts income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Hawaii vs Massachusetts FAQ
Which has lower income tax, Hawaii or Massachusetts?+
Massachusetts is lower at $75,000: $3,530 of state income tax versus $4,170 in Hawaii. At $150,000 it is $9,928 in Hawaii and $7,280 in Massachusetts. For a single filer, Hawaii is the lower-tax state up to roughly $50,000 of income, and Massachusetts becomes the lower-tax state above that.
How much more do I keep on $100,000 in Hawaii versus Massachusetts?+
A single filer keeping $73,110 a year in Hawaii would keep $74,400 in Massachusetts after federal, state and payroll tax. The difference is $1,290 a year, or $107 a month.
How do the Hawaii and Massachusetts income tax systems differ?+
Hawaii uses progressive rates up to 11%; Massachusetts uses progressive rates up to 9%. State deductions and exemptions also differ, which changes how much income is taxed.
Are local taxes included in this Hawaii vs Massachusetts comparison?+
No. It covers federal income tax, Social Security, Medicare and state income tax only. City, county, sales and property taxes are not included, and they can change the real cost of living in each state.
Should I move from Hawaii to Massachusetts to save on taxes?+
State income tax is one cost among many. Property and sales taxes, housing, insurance and wages also differ, and you may owe tax to both states in the year you move. Use this comparison as one input and confirm details with a tax professional.
Sources
- Tax Foundation: 2026 state individual income tax rates and brackets
- IRS: Tax inflation adjustments for tax year 2026
Last checked October 10, 2026. Confirm with your state tax agency before filing.
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Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.