What is the real (cost-adjusted) Financial Analyst salary in Massachusetts?

After BEA RPP adjustment (regional price parity index 107.7 for Massachusetts), the real-wage equivalent is $99,940 — what the $107,610 nominal salary actually buys. Quartiles in real terms: $78,078 to $155,524.

How are Massachusetts Financial Analyst salaries calculated on this page?

Nominal wages come from BLS Occupational Employment and Wage Statistics (OES) — annual employer surveys, May 2026 reference period. Real-wage figures use BEA Regional Price Parities (2023 vintage) to adjust for state-level cost of living. No self-report or jobs-board data is mixed in.

Where does Massachusetts rank for Financial Analyst pay?

On nominal BLS wages alone, Massachusetts ranks among the 51 states and DC by median pay. After the BEA cost-of-living adjustment the ordering changes — high-cost states fall, low-cost states rise. Both rankings are shown in the data table on this page.

How wide is the wage spread in Massachusetts?

P10 to P90 spans $73,930 to $205,790. That spread captures entry-level to top-quartile pay, including specialty differentials and metro-area variance within the state.

What are the limits of these Financial Analyst salary numbers?

BLS OES is an employer survey of W-2 wages — it excludes contractor pay, bonuses outside the base wage definition, equity compensation, and tip income. Self-employed practitioners and gig workers are not represented. For occupations with significant non-W-2 income, the BLS figure is a floor, not a complete picture.

Should I negotiate based on the BLS median for Massachusetts?

The BLS median is a calibration anchor, not a ceiling. Use it to validate that an offer is in-band — anything well below the P25 in this state is a flag, anything above the P75 typically requires demonstrable specialty depth, niche credentials, or a high-COL metro within Massachusetts.

When does this data update?

BLS OES releases a new May reference set roughly each spring; we re-run the ETL pipeline within two weeks of release. BEA RPP refreshes annually. The last-synced timestamp at the top of this page reflects the most recent build.

Massachusetts Financial Analyst Salary: BLS $108K Median, Real $100K (2026)

TL;DR

Massachusetts pays Financial Analysts a BLS median of $107,610 — the more useful number is $99,940, what that paycheck buys after rent and services.
Wage envelope: $73,930 (P10) to $205,790 (P90), with quartiles at $84,070 and $167,460.
Mid-band cost of living: real and nominal wage are within a few percent of each other.
Financial Analyst ranking: #6 on the BLS table, #15 once cost of living is in.

Wage breakdown — Massachusetts

Percentile	Nominal (BLS)	Real (BEA RPP-adjusted)
P10 (entry tier)	$73,930	$68,660
P25 (lower quartile)	$84,070	$78,078
P50 (median)	$107,610	$99,940
P75 (upper quartile)	$167,460	$155,524
P90 (top tier)	$205,790	$191,121
Mean	$131,500	$122,127
Employment	18,020 Financial Analysts in Massachusetts

Cost of living — BEA Regional Price Parity

Component	Massachusetts index (US = 100)
All-items RPP	107.7
Goods	100.0
Services	166.1
Rents	130.1

Massachusetts is a high-cost state — RPP 107.7 above the national 100 baseline. Most of the cost premium routes through rents (130.1) and services (166.1).

After-tax take-home — Massachusetts (2024 BLS · 2024 tax year, single filer)

Layer-by-layer take-home math at the BLS median

Layer	Amount	Note
Gross BLS P50 (Financial Analyst)	$107,610	nominal median
Federal income tax	−$14,921	13.9% effective; std deduction $15,750 applied
State income tax	−$5,381	5% flat 2026 (4% surtax above $1M)
FICA (SS 6.2% + Medicare 1.45%)	−$8,232	SS capped at $183,600 wage base
Take-home (after-tax)	$79,076	73.5% of gross
Real take-home (RPP-adjusted)	$73,440	÷ (107.7 / 100) BEA cost-of-living

What the Massachusetts state-tax burden means for Financial Analyst take-home

Mid-band state-tax burden at 5.0% effective. Combined with federal and FICA, take-home is $79,076 (73.5% of gross). After the 107.7 RPP, real take-home is $73,440.

Computed from 2026 IRS federal brackets (Rev. Proc. 2025-32), 2026 state DOR brackets, and 2026 FICA rates. Single filer, standard deduction, no other adjustments. See methodology · tax for limitations (married filers, ITM/SALT itemizers, retirement deferrals, HSA, dependent credits, etc.).

National context

Across the United States, BLS reports a national median of $101,350 for Financial Analysts with mean pay of $116,490 and total employment of 340,580. Massachusetts sits at #6 on nominal pay and #15 on real (cost-adjusted) pay among the 51 states and DC. After cost adjustment, Massachusetts falls 9 positions — the cost premium eats into the headline wage.

Frequently asked questions

What is the real (cost-adjusted) Financial Analyst salary in Massachusetts?: After BEA RPP adjustment (regional price parity index 107.7 for Massachusetts), the real-wage equivalent is $99,940 — what the $107,610 nominal salary actually buys. Quartiles in real terms: $78,078 to $155,524.
How are Massachusetts Financial Analyst salaries calculated on this page?: Nominal wages come from BLS Occupational Employment and Wage Statistics (OES) — annual employer surveys, May 2026 reference period. Real-wage figures use BEA Regional Price Parities (2023 vintage) to adjust for state-level cost of living. No self-report or jobs-board data is mixed in.
Where does Massachusetts rank for Financial Analyst pay?: On nominal BLS wages alone, Massachusetts ranks among the 51 states and DC by median pay. After the BEA cost-of-living adjustment the ordering changes — high-cost states fall, low-cost states rise. Both rankings are shown in the data table on this page.
How wide is the wage spread in Massachusetts?: P10 to P90 spans $73,930 to $205,790. That spread captures entry-level to top-quartile pay, including specialty differentials and metro-area variance within the state.
What are the limits of these Financial Analyst salary numbers?: BLS OES is an employer survey of W-2 wages — it excludes contractor pay, bonuses outside the base wage definition, equity compensation, and tip income. Self-employed practitioners and gig workers are not represented. For occupations with significant non-W-2 income, the BLS figure is a floor, not a complete picture.
Should I negotiate based on the BLS median for Massachusetts?: The BLS median is a calibration anchor, not a ceiling. Use it to validate that an offer is in-band — anything well below the P25 in this state is a flag, anything above the P75 typically requires demonstrable specialty depth, niche credentials, or a high-COL metro within Massachusetts.
When does this data update?: BLS OES releases a new May reference set roughly each spring; we re-run the ETL pipeline within two weeks of release. BEA RPP refreshes annually. The last-synced timestamp at the top of this page reflects the most recent build.

Sources & methodology

U.S. Bureau of Labor Statistics — Occupational Employment and Wage Statistics (OES), SOC 13-2051, 2024 reference period.
U.S. Bureau of Economic Analysis — Regional Price Parities, 2023 vintage (all-items, goods, services, rents).
Real-wage figures = nominal BLS wage ÷ (state RPP / 100).
See the methodology page for full computation details and limitations.

By Marcus Liang · Founder & Editor · Last synced 2026-05-05.

Cross-comparison: see how Massachusetts Financial Analyst pay ranks against the other 254 state × occupation pages on the Real Wage Atlas → — four-way ranking by real wage, after-tax take-home, state-tax savings, and cost-of-living arbitrage.