SOC 13-2031

Budget Analyst Salary in Amherst Town-Northampton, MA (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + MA
COL Index: 121.21 (+21.2% vs US)
Net Compensation Yield 72.1% Realized
$58,497 / net annual direct deposit
Gross Adjusted $81,100 $38.99/hr
Effective Tax Drag 21.87% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$17,737 $682.21/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $38.99 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$4,866/yr)
0% Tax Shield: ~$1,071/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$7,941
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$5,028
Medicare Hospital Insurance
Statutory 1.45%
-$1,176
Massachusetts Individual Income Tax
State Marginal Bracket
-$3,592
Net Take-Home Annual Realized
$58,497 ($2,249.87 / check)
Category 2 of 6

Amherst Town-Northampton, MA Budget Analyst Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $81,100
MIDDLE 50% (IQR RANGE) 10th $66.6k 25th $66.6k Median: $81,100 50th (Median) $81.1k 75th $86.2k 90th $103k You: $81,100
10th (Entry) $66,620 $32.03/hr
25th (Junior) $66,620 $32.03/hr
50th (Median) $81,100 $38.99/hr
75th (Senior) $86,200 $41.44/hr
90th (Lead/Master) $102,880 $49.46/hr
Career Progression & Licensing Milestones for Budget Analyst in Amherst Town-Northampton, MA
1
Junior Budget AnalystFund accounting, budget variance tracking, financial reporting spreadsheets
$49,559$23.83/hr · 0-2 Years
2
Budget AnalystDepartmental appropriation requests, fiscal impact statements, revenue forecasting
$74,339$35.74/hr · 2-5 Years
3
Senior Budget AnalystLegislative/board budget defense, capital expenditure planning, fiscal policy analysis
$97,348$46.80/hr · 5-8 Years
4
Budget DirectorEnterprise / municipal budget formulation, fiscal policy governance
$125,668$60.42/hr · 8+ Years
Scaled to the Amherst Town-Northampton, MA medianView National Budget Analyst Salary Data
Adjacent Career Pivots & National Pay Differences
Credit Analysts-$8,130/yr
National median: $83,510
Skill overlap: 95%
Accountants and Auditors-$7,960/yr
National median: $83,680
Skill overlap: 93%View Salary
Financial Managers+$74,930/yr
National median: $166,570
Skill overlap: 90%View Salary
Personal Financial Advisors+$13,430/yr
National median: $105,070
Skill overlap: 87%
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Amherst Town-Northampton, MA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
33% of Net Income
⚠️ Cost-Burdened (Exceeds 30% Rule)
HUD Fair Market Rent (1-Bedroom) $1,593/month Requires minimum annual gross of $63,720
HUD Fair Market Rent (2-Bedroom) $2,034/month Requires minimum annual gross of $81,360
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $26.81/hr
Per adult, 2 working adults + 1 child: $25.45/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Amherst Town-Northampton, MA.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$81,100-$17,737$58,497$2,249.87
+5h Overtime/Wk45 hrs$96,306-$22,760$67,768$2,606.46
+10h Overtime/Wk50 hrs$111,513-$27,783$77,039$2,963.05
+15h Overtime/Wk55 hrs$126,719-$32,805$86,310$3,319.63
+20h Overtime/Wk60 hrs$141,925-$38,060$95,349$3,667.29
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Budget Analyst in Amherst Town-Northampton, MA: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Massachusetts tax codes.

Market Baseline
$81,100/yr
$38.99/hr · SOC 13-2031
Statutory Tax Drag
21.87% Effective
-$17,737 in Total Taxes
HUD 1BR Shelter Ratio
33% Net Pay
⚠️ Exceeds 30% HUD Rule
Monthly Discretionary
+$3,282/mo
Post-$1,593/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 13-2031
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Budget Analyst in Amherst Town-Northampton, MA: Market Snapshot

Budget Analyst roles in Amherst Town-Northampton, MA report a median annual wage of $81,100, 11.5% below the national median of $91,640. The 10th to 90th percentile band runs from $66,620 to $102,880, and HUD’s $1,593 monthly one-bedroom fair market rent equals 23.6% of that median gross pay. The single-adult living wage benchmark for the area is $26.81 per hour.

Highest-paying metropolitan areas for Budget Analyst

Metropolitan areaMedian annual wageVs this market
Iowa City, IA$134,850+66.3%
San Jose-Sunnyvale-Santa Clara, CA$131,730+62.4%
Ann Arbor, MI$127,860+57.7%
Washington-Arlington-Alexandria, DC-VA-MD-WV$125,050+54.2%
San Francisco-Oakland-Fremont, CA$117,360+44.7%
Huntsville, AL$113,400+39.8%
Santa Maria-Santa Barbara, CA$110,470+36.2%
San Diego-Chula Vista-Carlsbad, CA$107,010+31.9%
Gainesville, GA$106,610+31.5%
Lexington Park, MD$106,280+31.0%

Top-paying occupations benchmarked in Amherst Town-Northampton, MA

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$169,330$81.41/hr
Marketing Managers$161,020$77.41/hr
Computer and Information Systems Managers$156,040$75.02/hr
Financial Manager$144,950$69.69/hr
Natural Sciences Managers$140,500$67.55/hr
Sales Managers$138,100$66.39/hr
Fundraising Managers$136,890$65.81/hr
Physician Assistant$134,860$64.84/hr
Nurse Practitioner$133,050$63.97/hr
Public Relations Managers$132,990$63.94/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 174 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Budget Analyst Salary in Amherst Town-Northampton, MA (2026) Overview

Budget Analyst median pay in Amherst Town-Northampton, MA is $81,100 a year ($38.99/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for Budget Analyst in Amherst Town-Northampton, MA compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for a Budget Analyst in Amherst Town-Northampton, MA?

The median annual wage is $81,100 ($38.99 per hour). The middle 80% of earners make between $66,620 and $102,880. Source: BLS OEWS (May 2025).

What is the take-home pay for a Budget Analyst in Amherst Town-Northampton, MA after taxes?

On the median wage of $81,100, a single filer with no pre-tax deductions takes home about $62,049 a year ($5,171 a month) after $19,051 in federal, FICA, state and local taxes, an effective rate of 23.49%, using 2026 tax rules.