Salario de Electricista en Massachusetts (2026)

Electrician OT is structural to the comp model. Union scale at IBEW Local 103 (Boston) journeyman runs $58-72/hr (2026) plus benefits package; Local 96 (Worcester) journeyman $52-62/hr; Local 7 (Springfield) journeyman $48-58/hr. Time-and-a-half OT after 40 hr/week or after 8 hr/day depending on contract; double-time on Sundays + holidays in some agreements. Federal-clearance projects at Hanscom AFB / Natick / Lincoln Lab routinely require 50-60 hr/week to meet schedule, generating 400-800 OT hours/year — the supplemental $25-50K that pushes journeyman total comp from $105K base to $130-165K all-in.

The 2025 OBBBA law (One Big Beautiful Bill Act) created a federal-only deduction on the premium portion of overtime pay for tax years 2025-2028 — up to $12,500 single / $25,000 MFJ. Premium portion equals the half of time-and-a-half. For an MA Local 103 journeyman with 500 OT hrs/year at a $62/hr regular rate ($93/hr at time-and-a-half), OT pays $46,500 and the premium half is $15,500 — above the $12,500 single cap, and with base plus OT at about $175,500 the phase-out ($100 per $1,000 over $150,000) trims the deduction to about $9,950. Federal savings at the 24% bracket: about $2,390/year federal back.

Massachusetts has not conformed to OBBBA. The OT premium is fully MA 5% taxable. For an MA journeyman: the full $46,500 of OT pay × 5% = $2,325 of MA tax, owed with or without OBBBA. The OBBBA federal deduction applies only to federal — so the benefit is the ~$2,390/year federal saving (after the phase-out), not reduced by the Massachusetts tax. MA's flat 5% (no local) makes the MA-side cost of OT lower than Maryland's — on the $15,500 premium MA takes $775, while Maryland (5.5% bracket + a 3.20% county) would take about $1,350.

OBBBA phaseout: $100/$1K MAGI over $150K single / $300K MFJ. Most MA Local 103 journeymen ($105-148K total comp) stay below the threshold. Senior foremen + master electricians + federal-clearance journeymen at $148-185K may hit phaseout — partial deduction. MFJ filers with high-earner spouse most exposed. The MA-specific calculation: total comp = base + OT + per-diem + clearance premium + holiday + Cambridge biotech / GMP-cleanroom premium.

Real numbers for a Local 103 journeyman at $62/hr × 2,080 base hrs = $129K base + $28K OT (about 300 hrs at the $93/hr time-and-a-half rate; the premium third is about $9,300) + $18K Cambridge biotech / GMP cleanroom premium + $4K per-diem = $179K total. MA effective 5.0% on $174,600 after the $4,400 personal exemption = $8,730/year state tax. OBBBA federal OT deduction: income is $29,000 over the $150,000 phase-out start, which trims the $9,300 premium by $2,900 to about $6,400 — worth about $1,540 federal back at 24%. MA on the OT premium portion: $9,300 × 5% = $465/year — Massachusetts taxes it in full. Compared to TN (0% state): TN equivalent saves $8,730/year MA state tax — partially offset by Local 103 scale + Cambridge biotech + Hanscom clearance premium unavailable in TN.

IBEW NEBF (National Electrical Benefit Fund) pension is the dominant late-career lever. Defined-benefit pension accruing at hourly rate × years of service; multi-employer plan covering all participating IBEW locals. Plus IBEW Local 103 supplemental pension on top — Local 103 specifically funds an annuity contribution at $5-7/hr employer contribution. For a Local 103 journeyman with 30 years of IBEW service, combined NEBF + Local 103 pension typically reaches $5,500-8,500/month at age 65 ($66-102K/year). MA partially exempts public-sector pension income with age + income thresholds — IBEW NEBF as a multi-employer private union pension is treated differently than state Group 4; consult tax preparer. Federal taxes the full pension.

Many MA electricians retire to NH / FL / TN / SC / TX pre-distribution given the $2M MA estate cliff at the senior journeyman / master / contractor-owner asset tier. NEBF pension + Local 103 supplemental annuity + 401(k) accumulation + home equity (Boston metro $700K-$1M) often pushes senior electrician total estate above $2M — triggering MA estate exposure at 16% top. Pre-death NH relocation (1-hour drive from Boston, 30 min from MetroWest 495 corridor) is the most common pattern for Boston-area electricians. The $2M MA cliff drives substantially more relocation than MD's $5M cliff at the electrician asset tier.

MA electrician work clusters along the I-95 / 128 / I-93 / I-90 corridors. Local 103 (Boston + Eastern MA) covers Boston Logan Airport, MBTA modernization, downtown Boston commercial, Cambridge biotech + tech buildouts (Kendall Square Moderna / Vertex / Biogen / Takeda + Cambridge Crossing + Sea Port), MGH / Brigham / BIDMC / Children's hospital infrastructure. Local 96 (Worcester) covers UMass Memorial, central MA manufacturing, Worcester development. Local 223 (Brockton) covers South Shore + South Coast offshore wind landfall infrastructure. Local 7 (Springfield) covers MGM Springfield casino + western MA. Federal-clearance work at Hanscom AFB / Natick / Lincoln Lab / Mitre Bedford typically commutes from MetroWest 128 / 495 corridor (Lexington, Waltham, Acton, Concord, Bedford itself).

Housing on a journeyman base + OT income tier ($105-165K total comp): Worcester County (Worcester, Shrewsbury, Holden, Boylston) $400-650K · MetroWest 495 outer (Hopkinton, Marlborough, Westborough) $550-825K · South Shore (Quincy, Weymouth, Braintree) $550-825K · North Shore (Beverly, Salem, Peabody) $550-800K · Bristol County (Brockton, Taunton) $400-650K · Hampden County (Springfield, Chicopee, West Springfield) $300-525K. Local 103 federal-clearance journeyman + Cambridge biotech / GMP cleanroom comp ($179K total) can stretch into MetroWest 128 (Sudbury, Sherborn, Bedford) at $700K-$1.1M with spouse income.

Most MA electricians retire in-state on IBEW NEBF + Local 103 / 96 / 223 / 7 supplemental annuity + 401(k) accumulation. Some pre-death relocation to NH / FL / SC / TN for $2M+ asset bases (more common than MD given MA's $2M estate cliff vs MD's $5M). Common in-state retirement: stay in Worcester County / South Shore / North Shore, or Eastern MA Cape Cod (Barnstable, Falmouth) for waterfront. Some senior MA electricians retire to southern NH (Salem, Nashua, Manchester, Pelham, Hudson) keeping 30-60 min drive back to family + escaping MA $2M estate cliff entirely.