Bill and Account Collectors in Massachusetts
May 2025 wages · tax year 2026
You keep
$47,559
after federal, FICA and Massachusetts tax
Tax takes
$12,241
20.5% of the whole
Worth, in national money
$43,940
Massachusetts costs more than average
On that salary you would be around the 25th percentile for this work in Massachusetts — roughly, since only five points along the band are published.
One filer, standard deduction, no dependants and nothing paid in before tax — the same household the rest of this page uses, so the comparison holds. City and school-district income taxes are not included.
Median here
$59,800
Kept after tax
$47,559
Worth in national money
$43,940
State rank
3
of 51 states
What this pays, and what it is worth
- Massachusetts is one of the better-paying states for bill and account collectors. The middle earner takes $59,800, which ranks 3 of 51 states with published figures. That is about 27.15% above the national middle.
- Ordinary, locally speaking. Bill and account collectors ranks 297 among 485 occupations Massachusetts publishes pay for.
- The wage here flatters the reality. From $59,800 the take-home is $47,559. But Massachusetts costs more than the national average, so that money behaves more like $43,940 would elsewhere. Worth knowing before comparing offers across states. The average is lower, $59,710, so pay clusters nearer the top than usual.
- Massachusetts ranks 3 of 51 states publishing a median for bill and account collectors, at $59,800 — about 27.15% above the national median. A state's position on nominal pay is the figure wage tables report and the least informative of the three on this page, because it survives neither the tax adjustment nor the price adjustment intact for most occupations.
- Position 297 of 485 in Massachusetts places bill and account collectors in the middle of the state's wage distribution. Because within-state and cross-state rankings measure different things, this figure and the national one above should be read together rather than as a single verdict.
- Retained pay after federal, FICA and Massachusetts income tax is $47,559 for bill and account collectors, from $59,800. The state's price level exceeds the national average, so the price-adjusted equivalent is $43,940. ⚠️ This is purchasing power and not a wage; cross-state offer comparisons that stop at the nominal figure systematically overvalue high-cost states. The mean of $59,710 falls below the median, a left skew that is uncommon in wage data.
Compare this career across states
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Pay band: Bill and Account Collectors
The state median for this job
| Lowest tenth earn under | $45,990 |
|---|---|
| Half earn under | $59,800 |
| Top tenth earn over | $75,560 |
| This salary | $59,800 |
Positions between the published tenth, quarter, half, three-quarter and ninetieth points are estimated by straight line.
The same pay, somewhere else
The state median for this job
| Take-home in Massachusetts | $47,559 |
|---|---|
| Take-home in Texas | $50,229 |
| Once local prices are leveledBEA price parity | +$7,750 |
State income tax and state price levels only. No city income tax, and no housing market.
What you would need there
The state median for this job
| To match take-home only | $56,477 |
|---|---|
| You could take a cut of | −$9,373 |
| Prices in Texas | 97 vs 108 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Treat $59,800 as a midpoint for Massachusetts, not a promise. The tenth percentile is $45,990 and the ninetieth is $75,560 — a wide band, and where you land in it depends on far more than the state.
- One filer, no dependants, no pension contributions — that is the household behind Massachusetts's $47,559, worked from $59,800. That is on purpose. It lets states be compared with each other, not with each other's family circumstances. Local city taxes are left out. Locally this work ranks 297 of 485.
- Two cautions on $43,940, the adjusted value of that $59,800 median. It levels out prices with a single number for all of Massachusetts. No actual address matches that. The wage figures and price figures are also from different years. Each is published on its own timetable. This work sits at 297 of 485 locally.
- The Massachusetts median of $59,800 describes the midpoint of a distribution spanning $45,990 to $75,560. Because that spread is typically larger than the interstate spread, a state median is a weak predictor for any individual worker in this occupation.
- The Massachusetts take-home of $47,559, on $59,800 for work ranking 297 of 485 locally, models the simplest household deliberately: holding it constant is what makes the interstate comparison meaningful. It also means the absolute figure overstates liability for most real filers, and municipal income taxes are outside the model entirely. The occupation ranks 297 of 485 in the state.
- This $43,940 adjusted figure, worked from $59,800, rests on a state-level price parity averaging over within-state dispersion larger than much of the between-state dispersion. Wage and price vintages differ by publication schedule. The result is directionally sound and not address-specific, for work at 297 of 485 in the state. The occupation ranks 297 of 485 locally.
Questions people ask
How much does pay for this job actually vary?
Less than you might expect. The bottom tenth earn $45,990 and the top tenth $75,560, so most people doing this work in Massachusetts sit within a fairly tight band.
Does a bigger number here mean I am better off?
The number and the value are different things. Massachusetts costs more than the national average, so this take-home stretches like $43,940 rather than its face figure.
Where does the difference between the wage and my paycheck go?
Four deductions, stacked. The federal layer and the two payroll taxes apply wherever you work; Massachusetts then takes its own share, leaving $47,559.
Can I compare this job across every state?
All 51 jurisdictions report this work, which makes the ranking a like-for-like one.
What is the dispersion of this occupation's wage distribution?
The tenth-to-ninetieth percentile span ($45,990 to $75,560) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to Massachusetts rather than a national figure.
How does the state price level affect real compensation?
Massachusetts's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $43,940 in national-average terms. ⚠️ RPPs are an all-items index; housing parities vary far more widely than the headline figure.
What accounts for the gap between gross wage and take-home here?
Take-home of $47,559 reflects federal income tax, OASDI, Medicare and Massachusetts income tax for a single filer with no adjustments. The state layer is levied in addition to the federal one; only its rate and base differ between states.
Is this occupation's state coverage complete?
State-level estimates are published for all 51 jurisdictions for this occupation, so cross-state comparison is not confounded by suppression. ⚠️ Estimates remain survey-based and carry sampling error; small differences between adjacent states should not be over-read.