Massachusetts → New Hampshire
How much could you save by moving from Massachusetts (5% + 4% surtax over $1M) to New Hampshire (no income tax)? See the full tax comparison below.
Tax Savings by Income Level
| Income | Massachusetts Total Tax | New Hampshire Total Tax | Annual Savings |
|---|---|---|---|
| $75,000 | $16,649 | $13,687 | Save $2,963 |
| $100,000 | $25,312 | $21,099 | Save $4,213 |
| $150,000 | $43,255 | $36,542 | Save $6,713 |
| $200,000 | $60,098 | $50,885 | Save $9,213 |
Based on single filer, standard deduction, 2025 tax year. Includes federal income tax, state income tax, and FICA.
Why the difference
You'd save $4,213/year ($351/month) in New Hampshire vs Massachusetts.
Tax structure
Massachusetts has a flat 9.0% state income tax, while New Hampshire has no state income tax.
Effective rate at your income
At $100,000, New Hampshire's effective state rate is 0.0% vs 4.2% in Massachusetts — a 4.2 percentage point gap.
Tip: For most earners, the flat 5% rate is straightforward. If your income approaches $1 million (including capital gains), the additional 4% surtax creates a cliff — $1 of income over $1M costs an extra $40,000 in tax. Timing income around this threshold can be valuable.
Tip: With the interest and dividends tax now repealed, New Hampshire joins the fully no-income-tax group. However, property taxes are notably high — budget $6,000-$10,000+ annually on a median-value home.
Calculate your exact savings →
Enter your income, filing status, and home value for a personalized Massachusetts → New Hampshire comparison.
Understanding Each State
Massachusetts
Massachusetts has a flat income tax rate of 5% on most income, plus an additional 4% surtax on income over $1 million (the 'millionaire tax' effective 2023). This creates an effective 9% rate on income above $1 million. MA does not offer separate standard deductions like the federal system.
Tip: For most earners, the flat 5% rate is straightforward. If your income approaches $1 million (including capital gains), the additional 4% surtax creates a cliff — $1 of income over $1M costs an extra $40,000 in tax. Timing income around this threshold can be valuable.
New Hampshire
New Hampshire has no state tax on wages or salary, but historically taxed interest and dividend income at 5%. This tax was repealed effective January 2025, making NH a fully no-income-tax state. Property taxes in NH are among the highest nationally, averaging ~1.86% of home value.
Tip: With the interest and dividends tax now repealed, New Hampshire joins the fully no-income-tax group. However, property taxes are notably high — budget $6,000-$10,000+ annually on a median-value home.
Related Resources
Frequently asked questions
How much can I save moving from Massachusetts to New Hampshire?
At $100,000 income (single filer), you could save $4,212.5 per year in combined taxes by moving from Massachusetts to New Hampshire. The actual savings depend on your income, filing status, and whether you own property.
Do I have to file taxes in Massachusetts if I move to New Hampshire?
If you move mid-year, you may need to file a part-year resident return in Massachusetts and a part-year or full-year return in New Hampshire. Establish your new domicile (driver's license, voter registration, etc.) to clearly document the move date.
What taxes should I compare besides income tax?
Beyond state income tax, compare property tax rates, sales tax, and any special taxes (e.g., estate tax, capital gains surtax). States with no income tax often have higher property or sales taxes that partially offset the savings.