Salario de Enfermera Registrada en Massachusetts (2026)
El salario promedio de un Enfermera Registrada en Massachusetts es de $110,000/año. Después de impuestos, tu sueldo neto estimado es de $80,935/año ($6,745/mes).
Desglose del Sueldo Neto
| Categoría | Cantidad |
|---|---|
Sueldo Neto Anual | $80,935 |
Sueldo Neto Mensual | $6,745 |
Sueldo Neto Quincenal | $3,113 |
Sueldo Neto por Hora basado en 2,080 hrs/año | $39/hr |
Impuesto Federal | $15,370 |
Impuesto Estatal | $5,280 |
Impuestos FICA | $8,415 |
Tasa Efectiva de Impuesto impuestos totales ÷ salario bruto | 26.42% |
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Rangos de Salario de Enfermera Registrada en Massachusetts
No todas las Enfermera Registradas ganan lo mismo — ni de cerca
MA nursing comp is anchored by Mass General Brigham (MGB — Mass General Hospital, Brigham and Women's, plus 12 community hospitals + 78K employees, the largest New England health system), Beth Israel Deaconess Medical Center (BIDMC, ~12K employees, Harvard Medical School affiliate), Boston Children's Hospital (Harvard + #1 US pediatric), Tufts Medical Center (Tufts University School of Medicine), Boston Medical Center (BU School of Medicine + safety-net Trauma I), Baystate Health (Springfield, western MA anchor), and UMass Memorial Health (Worcester, central MA anchor). MNA contract floors at most academic-medical centers + AFT-MA at Boston Medical Center + community hospitals. Here's what each tier pays in 2026:
Staff RN (BSN, 0-3 yrs)
$95,000–$120,000
New grad start at MGB / BIDMC / Boston Children's · MNA contract floor + base + benefits
Mid-Career RN (5-10 yrs)
$115,000–$145,000
Standard staff at MGB / BIDMC / Tufts / BMC · base + shift differential + OT
Senior Specialty RN (ICU/OR/oncology)
$135,000–$175,000
OCN / CCRN / CNOR cert + experience · MGB / Dana-Farber tier
CRNA (Certified Registered Nurse Anesthetist)
$245,000–$305,000
DNAP + 1-yr residency · MGB / Brigham / BIDMC + private practice + per-diem
Nurse Practitioner (FPA — full practice)
$135,000–$175,000
MA full practice authority + collaborative agreement · primary + specialty
Nurse Manager (unit/department)
$155,000–$210,000
P&L responsibility · 24/7 coverage · MGB / Brigham senior leadership
Per-Diem / Travel RN (MA contracts)
$92K-$135K + per-diem
Hospital float pool $80-120/hr · travel contracts $2,800-3,800/wk
Critical Care / NICU Specialty
$140,000–$185,000
CCRN / RNC-NIC cert · MGB / Boston Children's / Brigham NICU
Vale la pena saber: MNA (Massachusetts Nurses Association, ~25K members, one of the strongest US nursing unions) operates strike-backed contract floors at most MA academic medical centers — MGB, BIDMC, Tufts, Boston Medical Center, UMass Memorial. Recent contract cycles in 2022-2024 won 12-19% raises plus binding staffing-ratio language. The 2018 MA Question 1 ballot measure (mandatory ICU/ED nurse-staffing ratios) failed at the ballot but pushed contract negotiations toward unit-level ratios — most MGB ICUs now run 1:1 or 1:2 contractually. AFT-MA represents Boston Medical Center + Brockton Hospital + community hospital nurses. Travel nursing within MA pays $2,800-3,800/week at MGB-system contracts.
Overtime, OBBBA 2025, and Massachusetts's MGB/MNA contract structure
5%
MA flat state tax + 4% Millionaires Tax surtax above $1.083M (2026)
~78K
Mass General Brigham employees — the largest New England health system
$115-145K
MA mid-career staff RN at MGB / BIDMC / Tufts · senior specialty $135-185K
If you're picking up extra shifts at an MA academic hospital, the OT rules are written into your MNA contract and they're generally favorable — 1.5× after 40 hours/week, holiday premiums, weekend differentials, charge-nurse pay, on-call. The MNA master agreement and AFT-MA contracts spell out exactly what triggers what. MA does not have California-style daily-OT triggers, so OT is purely a 40-hours-per-week computation. Combined with abundant per-diem and float-pool work at MGB, BIDMC, Tufts, Boston Children's, total comp routinely runs 22-32% above base for senior staff RNs.
The 2025 law (One Big Beautiful Bill Act) created a brand-new federal deduction on the premium portion of overtime pay. For tax years 2025 through 2028, you can deduct up to $12,500/year (single) or $25,000 (married filing jointly) of qualifying OT premium from your federal taxable income. Premium portion = the half of time-and-a-half. If your hourly is $58, OT pays $87 ($58 × 1.5). Only the extra $29/hour counts toward the deduction.
Real numbers for an MGB senior ICU nurse at $58/hour base, picking up 7 OT hours a week for 50 weeks. OT premium = $58 × 0.5 × 7 × 50 = $10,150. All $10,150 is -eligible (under the $12,500 single cap). At your federal marginal bracket (~24%), that's roughly $2,440 federal back annually. Push to 9 OT hours/week and you hit the cap — saving about $3,000 federal annually. Combined with your normal + deferral, the federal bite gets noticeably smaller — though MA 5% state still applies (more on that below).
Two catches. First, only — straight-time and shift differentials probably don't qualify (the IRS is still issuing guidance; expect clarity by mid-2026). Second, phaseout — the deduction phases out above $150K single / $300K , fully gone by $275K / $550K. Senior MGB specialty RNs at $165K+ blow through the single threshold. Married filers usually have more room.
Massachusetts generally conforms to federal , so the OT deduction may flow through to MA state tax (state-level guidance is still being issued through 2026). If conformed, that adds another 5% savings on top of the federal benefit. Per-diem hospital pay is the bigger lever — per-diem rates at MGB / BIDMC / Boston Children's run $80-120/hour, dramatically above your staff base. Many senior nurses pick up 1-3 per-diem shifts/month for $20-40K/year additional.
Massachusetts as a place to live — the honest take for nurses
MA nursing clusters by metro and academic-medical-center proximity. Boston is the dense academic center — MGB, BIDMC, Tufts, Boston Children's, Boston Medical Center, Dana-Farber Cancer Institute, all within a 5-mile radius. Worcester (UMass Memorial Medical Center, Saint Vincent Hospital) anchors central MA. Western MA (Baystate Health Springfield, Cooley Dickinson Northampton) and South Shore (South Shore Hospital, Beth Israel Deaconess Plymouth) cover regional markets. Cambridge / Somerville (Cambridge Health Alliance) is its own urban-academic anchor with Harvard adjacency.
Boston-adjacent housing is brutal at staff RN comp. Wellesley / Newton / Brookline / Lexington / Belmont 4BR family homes run $1.2M-$2.2M — essentially impossible on $130K mid-career staff RN. Most MA nurses commute from MetroWest exurbs (Framingham, Natick, Westborough, Hopkinton, Marlborough) at $700K-$1.1M, North Shore (Marblehead, Swampscott, Beverly) at $625K-$1.1M, or South Shore (Quincy, Weymouth, Braintree, Hingham) at $625K-$1.0M. Cambridge and Somerville condo market $700K-$1.4M for 2BR is the urban-walkable alternative; many MGB / BIDMC nurses live there for the T or commuter-rail access without suburb housing premium.
Worcester County is the under-the-radar MA option — UMass Memorial Medical Center pays MGB-tier MNA contract floor at $115-150K mid-career, but Worcester County housing runs $475-700K for substantial 4BR family homes. A senior Worcester nurse at $135K with a $525K home often nets better real income than a $145K MGB senior nurse paying $1.2M for a Wellesley equivalent. Many nurses commute the 50 minutes from Worcester to Boston for MGB pay + Worcester housing — viable, especially with the MBTA Worcester / Framingham line.
MA travel nursing is durable. MGB / BIDMC / Boston Children's contract rates run $2,800-3,800/week — second-tier behind California's $3,400-5,200 but still strong. MA-domicile travel nurses + per-diem mix can clear $185K+ on flexible scheduling. Some senior nurses establish NH or FL domicile (NH is 0% on wages; FL is 0% on everything) for travel-nurse rate optimization, but residency-rule complications apply.
Most senior MA nurses retire out-of-state. MA taxes / IRA / pension distributions at flat 5% with no major retirement income exemption (Social Security is fully exempt). Combined with property tax 1.04% effective on $1.5M+ Boston-adjacent homes ($15K+/year), the property + state-income tax burden in retirement is meaningful. Common destinations: NH (0% on wages, full exemption on retirement income), Florida (Sarasota, Naples, Boca), Vermont (Burlington), Maine (Portland, lower COL). home-sale exclusion + retirement-income relocation is the standard senior-MA-nurse playbook.
How Massachusetts taxes work for nurses (and the MNA + MGB stack)
Massachusetts charges a flat 5% state income tax on most income, plus the 4% Millionaires Tax surtax above $1.083M (2026 threshold). For a $130K mid-career MGB ICU nurse, total MA tax is ~$6,200 (4.77% effective after deductions). For a $165K senior specialty RN, ~$7,950. For a $290K CRNA, ~$14,200 (still under Millionaires Tax threshold). The Millionaires Tax kicks in above $1.083M and is irrelevant for nearly all RNs — but real for private-practice CRNAs at $400K+ and senior nurse executives whose household income crosses the threshold.
Real money comparison: a $155K senior MA ICU nurse nets ~$112K after federal + + MA state (5%). The same $155K in NY+NYC nets ~$104K (10.0% combined NY+NYC state stack). The same $155K in TX or FL nets $122K (0% state). MA's middle position — 5% flat is moderate by Northeast standards but the Boston housing premium grinds harder than the tax bite. The structural compensating advantage is gross pay: MGB MNA contract floors push wages so far above many states that even after the tax bite, you keep more in the hand than a TX or FL peer.
MNA + AFT-MA contract floors are the central active-duty advantage. MGB, BIDMC, Tufts, Boston Medical Center, UMass Memorial all operate under union master agreements. Recent 2022-2024 contract cycles won 12-19% raises plus binding staffing-ratio language at MGB. The MA wage floor for senior specialty + cert RNs is among the highest in the US — comparable to coastal California's Title 22 + CNA contracts.
+ dual-shelter at non-profit + public MA hospitals is the biggest active-duty move. $47K/year combined pre-tax. At a $155K senior MGB RN combined marginal rate ~34% (24% federal + 5% MA + ~5% blended), maxing both saves ~$16,000/year — $400K over 25 years before compounded growth. Special 457(b) catch-up in final 3 pre-retirement years opens $141K pre-tax window almost nobody uses. Ask HR. UNLIKE MA teachers, nurses DO participate in Social Security — adds another $30-42K/year retirement income on top of 403(b)/457(b).
MA does NOT conform to federal — one of only two states (with NJ) where HSA contributions are state-taxable as ordinary income, and HSA earnings are also state-taxable. The federal triple-tax-advantage still works at federal level, but the MA-state-tax bite reduces the net benefit by 5%. Plan around it.
MA taxes pension and distributions at flat 5% (no major exemption). A senior MA nurse retiring with $80K of 403(b) + Social Security pays roughly $4,000 in MA state tax — moderate, but the property tax burden on a Boston-adjacent home grinds through retirement. Most senior MA nurses retire out-of-state to NH (0% on wages, full exemption on retirement income), FL, ME, VT for the property tax + state income tax escape combo.
- →Max AND at MA non-profit / public hospital. $47K combined. At senior RN marginal rate, ~$16K/year tax savings.
- → special catch-up in final 3 years pre-retirement — $141K pre-tax window. Almost nobody uses it; ask HR.
- →Pursue MGB / BIDMC / Tufts / Boston Children's specialty + cert + MNA contract premium. Senior specialty RN $135-185K total comp.
- →Per-diem supplement at MGB-system / BIDMC / Boston Children's — 1-3 shifts/month at $80-120/hour adds $20-40K/year.
- →CRNA path is the biggest comp lever — $245-305K. 3-year DNAP at MGH Institute / Northeastern / BU. Hospital-employed at MGB / BIDMC plus per-diem.
- →NP transition under 2021 FPA expansion — $135-175K senior NP with full practice authority after 2 years supervised.
- →Worcester / UMass Memorial alternative — MGB-tier MNA contract pay with Worcester County housing math (vs Boston suburb $1.2M+).
- →Travel nursing with MA / NH domicile — per-diem stipends + $2,800-3,800/wk MA contracts. NH is 0% on wages for residency optimization.
- →Pre-retirement relocation to NH / FL / ME / VT. $500K exclusion + retirement income to lower-tax state.
Three Massachusetts nursing markets — what each one looks like
MA nursing splits into Boston academic-medical (the dense MGB / BIDMC / Tufts cluster), Worcester / UMass Memorial mid-tier, and Western MA / Baystate. Pay overlaps but housing math + COL diverge sharply.
Boston Academic-Medical (MGB / BIDMC / Tufts / Boston Children's / BMC / Dana-Farber)
Staff RN $115-150K · ICU/OR/oncology with cert $135-185K · CRNA $250-305KMass General Brigham (8 hospitals + 12 community + ~78K employees, the largest New England health system) anchors. BIDMC (Harvard Medical School affiliate, ~12K employees), Boston Children's Hospital (#1 US pediatric, Harvard), Tufts Medical Center (Tufts University School of Medicine), Boston Medical Center (BU School of Medicine + safety-net Trauma I), Dana-Farber Cancer Institute (#1 US cancer, MGB-affiliated). MNA + AFT-MA contract floors. Most nurses live MetroWest, North Shore, South Shore, or Cambridge condo.
Boston is the densest US academic-nursing market alongside NYC and Bay Area. MGB MNA contract floor + Dana-Farber oncology + Boston Children's pediatric + Brigham cardiac specialty = unmatched US specialty career depth. The 14% (5% state + ~9% combined federal blended) tax bite is the trade — but housing pressure is worse than tax pressure.
Worcester / Central MA — UMass Memorial + Saint Vincent
Staff RN $115-148K · ICU/OR with cert $130-175K · CRNA $235-285KUMass Memorial Medical Center (UMass Medical School academic + ~14K employees, central MA Trauma I anchor) and Saint Vincent Hospital (Tenet Healthcare). MNA contract floors at UMass Memorial. Strong Worcester County hospital pay (MGB-tier MNA wages) with materially cheaper housing (Worcester County 4BR $475-700K vs Boston suburb $1.2M+).
Worcester is the under-the-radar MA nursing answer — full MGB-tier comp at UMass Memorial via MNA contract, but with affordable Worcester County housing. Many MGB nurses commute the 50 minutes Worcester to Boston via MBTA Worcester / Framingham line, getting MGB pay + Worcester housing.
Western MA / Springfield — Baystate Health + Cooley Dickinson
Staff RN $98-128K · ICU/OR with cert $115-148K · CRNA $215-265KBaystate Health (Springfield, ~10K employees, western MA Trauma I anchor + UMass Medical School-Baystate campus). Cooley Dickinson Hospital (Northampton, MGB-affiliate community). Mercy Medical Center (Trinity Health). Baystate Children's Hospital. MNA contract floors at Baystate. Springfield + Holyoke + Northampton + Amherst (Five Colleges academic adjacency).
Western MA pay tier 15-20% below Boston-academic but COL meaningfully lower (Springfield-area $300-500K family homes). Net of housing math, western MA RN often comparable real income post-housing to Boston suburb peers despite lower nominal pay. Baystate's UMass-Baystate campus provides academic adjacency.
The Massachusetts nursing career arc — BSN to MGB / Worcester pivot to NH / FL retirement
Year 1-2 (new grad RN): $95-120K. BSN from UMass Boston / Northeastern / BU / BC / MGH Institute / Curry / Endicott + Massachusetts Board of Registration in Nursing licensure (NCLEX-RN). First role typically at MGB, BIDMC, Boston Children's, Tufts, BMC, or UMass Memorial. New-grad residency programs at MGB and BIDMC competitive (15-25% acceptance). MNA membership begins immediately.
Year 3-5 (mid-career): $115-150K. Pursue ICU / OR / NICU / ER / oncology cert (CCRN, CNOR, RNC-NIC, OCN) — MNA contract floor + cert premium $5-12K above base. Most max / / immediately given no MTRS-style pension to fall back on. Travel contracts available with strong references — 13-26 week placements at $2,800-3,800/wk + per-diem and lodging stipends.
Year 5-10 (senior specialty / NP / CRNA pivot): $135-175K (CRNA $245-305K). Senior MGB / BIDMC / Boston Children's specialty + cert clears top US tier. NP transition under 2021 MA FPA expansion — $135-175K with full practice authority after 2 years supervised. CRNA path requires 3-year DNAP at MGH Institute / Northeastern / BU.
Retirement (60-65): senior MGB / BIDMC nurse executives at $185-240K; private-practice CRNAs in suburban Boston groups $300-450K. MA taxes / IRA / pension at flat 5% (Social Security exempt). Property tax 1.04% on Boston-adjacent home grinds through retirement. Most senior MA nurses retire to NH (0% on wages + full exemption on retirement income, immediate-NH option), Florida, Vermont, or Maine. $500K home-sale exclusion + 403(b) IRA-rollover + Social Security to a lower-tax state. Net wealth $1.5-3M for senior MGB nurses who maxed 403(b)/457(b) is normal at retirement age.
Where Massachusetts nurses actually live
Almost no MGB / BIDMC nurse lives in Boston proper. MetroWest commute (Framingham, Natick, Westborough, Hopkinton, Marlborough) at $700K-$1.1M is the standard pattern. North Shore (Marblehead, Swampscott, Beverly) at $625K-$1.1M with ocean lifestyle. South Shore (Quincy, Weymouth, Braintree, Hingham) at $625K-$1.0M with commuter rail. Cambridge / Somerville condos $700K-$1.4M for the urban-walkable alternative.
Framingham / Natick / Westborough (MetroWest)
MGB / BIDMC commuter rail · $700K-$1.1M family homes · Worcester / Framingham line
Marblehead / Swampscott / Beverly (North Shore)
Strong districts · ocean lifestyle · $625K-$1.1M · 30-45 min Boston commute
Quincy / Weymouth / Braintree / Hingham (South Shore)
MBTA Red Line / commuter rail · $625K-$1.0M · waterfront option
Cambridge / Somerville (urban academic)
$700K-$1.4M condo · MGB / BIDMC walkable or T-accessible · Harvard / MIT adjacency
Worcester County (Worcester / Shrewsbury / Holden)
UMass Memorial · $475-700K · MGB-tier comp + Worcester housing math
Most senior MA nurses retire out-of-state to NH (0% wages + full retirement exemption, just nearby), FL, VT, ME. The 5% MA tax on retirement income + 1.04% property tax on Boston-adjacent housing makes the late-career math worse than the working-career math. + IRA-rollover relocation is the standard playbook.
¿Es la decisión correcta?
Massachusetts nursing — who it's best for
A tu favor
- +Mass General Brigham (78K employees) anchors largest New England health system — unmatched US specialty career depth alongside NYC and Bay Area
- +MNA + AFT-MA among strongest US nursing unions — recent 2022-2024 cycles winning 12-19% raises plus staffing-ratio language
- +Senior specialty + cert RNs at MGB / BIDMC / Boston Children's clear $135-185K — among top US tier
- +MA fully conforms federal on 403(b) / 457(b) — pre-tax savings reduce both federal and MA taxable income
- +MA full practice authority for NPs (2021 H.B. 4007) — senior NP $135-175K with FPA after 2 years supervised
- +Worcester / UMass Memorial alternative provides MGB-tier comp via MNA contract with Worcester County housing math
Vale la pena saber antes de firmar
- −MA flat 5% + 4% Millionaires Tax surtax above $1.083M — moderate but real bite at CRNA + nurse-executive comp
- −Boston-adjacent housing genuinely doesn't work on most nurse comp — Wellesley / Newton 4BR $1.2M-$2.2M
- −MA does NOT conform federal HSA — HSA contributions + earnings state-taxable as ordinary income (one of two states with NJ)
- −MA flat 5% on retirement income + property tax 1.04% on $1.5M+ Boston-adjacent homes drives most senior nurses to retire out-of-state
- −MA nursing travel rates $2,800-3,800/wk lag California's $3,400-5,200/wk
- −Boston traffic + winter realities are part of the deal
Mercado Laboral en Massachusetts
Massachusetts tiene demanda activa de Enfermera Registradas.
Perspectivas de crecimiento: 6% growth through 2032 (faster than average)
Puestos relacionados:
Costo de Vida en Massachusetts
Massachusetts tiene un costo de vida variado según la región.
💰 Sueldo neto mensual: $6,745
🏠 Renta típica: $1,600/mo
📊 Después de renta: $5,145/mo
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