Massachusetts variant. This is a Massachusetts-specific version of the Workers Comp Cost Estimator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Workers Comp Cost Estimator.
Workers' compensation premiums in Massachusetts are priced per $100 of payroll, by job classification. On a $96,505 salary at an illustrative $1.00 rate, the annual premium is about $965.
How Massachusetts workers' comp is priced
Premium = (payroll ÷ 100) × class rate × experience modifier. Clerical roles carry low rates; construction and trucking carry much higher ones.
Massachusetts sets its own rules and rates. The calculator above lets you enter your real payroll, class rate, and mod factor for an accurate Massachusetts estimate.
About taxes and housing in Massachusetts
Massachusetts applies a flat income tax with an additional surtax on income above one million dollars dedicated to education and transportation.
Massachusetts property taxes are near the national average, but high home values make the dollar amounts among the steepest in the country.
Massachusetts's economy is powered by higher education, biotechnology, healthcare, and finance, anchored by the Greater Boston area.
Worked example: $96,505 payroll
($96,505 ÷ 100) × $1.00 = $965/year at a sample clerical rate. A construction class rate of $8.00 would make it $7,720.
Quick reference
- State income tax: Flat 5%, plus 4% surtax over $1M
- State sales tax: 6.25% (plus 0.00% avg local)
- Median home value: $605,000
- Median household income: $96,505
- Effective property tax rate: 1.04%
- Avg auto insurance: $1,389/yr
Frequently Asked Questions
How is workers' comp calculated in Massachusetts?
By payroll ÷ 100 × class rate × experience modifier, using Massachusetts's approved rates.
Is workers' comp required in Massachusetts?
Most Massachusetts employers must carry coverage once they have employees; rules vary by industry and headcount.