What Cooks, Restaurant earn in Suffolk County, MA
If you are weighing a move or a job offer, start with $45,830: the median annual pay for Cooks, Restaurant in Suffolk County, MA. Spread over a standard 2,080-hour work year, that is $22.03 an hour. Because the wage survey covers the whole Boston-Cambridge-Newton, MA-NH metropolitan area, the number reflects employers across the region rather than a single town or a single company.
The mean wage is $45,880, which is 0.1% above the median, so pay is spread fairly evenly. The survey counts about 22,900 people working in this occupation across the Boston-Cambridge-Newton, MA-NH metropolitan area, so the estimate rests on a substantial pool of workers. Suffolk County, MA has roughly 785,121 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Cooks, Restaurant in the Boston-Cambridge-Newton, MA-NH metropolitan area is not one number. The lowest-paid tenth of workers earn up to $36,810 a year ($17.70 an hour), while the highest-paid tenth earn $58,690 or more ($28.22 an hour). That is a gap of $21,880 between the bottom and the top of the scale. The middle half of workers falls between $39,400 at the 25th percentile and $49,390 at the 75th percentile. A top-tier earner makes 1.6 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Employers quote this occupation by the hour or by the year, so here are both: $22.03 an hour or $45,830 a year at the median for Suffolk County, MA. Before any deductions, that is $3,819 a month, $1,763 every two weeks and $881 each week. After taxes the same job pays $17.73 per hour of take-home income, which is the number that actually has to cover rent and groceries.
How pay in Suffolk County, MA compares
Compared with the Massachusetts average
A worker in this occupation in Suffolk County, MA earns $2,179 more than the Massachusetts average of $43,651, a premium of 5.0%. Over a year that premium is worth $2,179 before tax and roughly $1,753 after tax. Within Massachusetts, Suffolk County, MA already has the highest median we track for this job.
Compared with the national average
The national employment-weighted average for Cooks, Restaurant is $38,193 across the contiguous United States. At $45,830, Suffolk County, MA pays $7,637 more, which is 20.0% above that benchmark. Keep in mind that a higher salary only helps if living costs do not rise faster, which is why the cost sections below matter as much as the headline number.
Where this job ranks in Suffolk County, MA
Among the 581 occupations with published wages in Suffolk County, MA, Cooks, Restaurant ranks number 503 by median pay, ahead of about 13% of them. The best-paying occupation we track here is Natural Sciences Managers at $291,000 a year, which is $245,170 more than the median for Cooks, Restaurant.
From gross pay to take-home pay
Three separate tax bills sit between the gross salary and the bank account: federal income tax, FICA, and state income tax. For Cooks, Restaurant earning the Suffolk County, MA median of $45,830, they add up to $8,949. The result is $36,881 of take-home pay a year ($3,073 a month), based on a single filer using the standard deduction.
Put another way, of every $100 earned, about $20 goes to taxes and $80 reaches the paycheck. The overall effective tax rate is 19.5%.
Federal income tax
After the $15,750 standard deduction, taxable income is $30,080. Federal brackets are marginal, so only the slice of income above each threshold is taxed at the higher rate; the last dollars of this salary fall in the 12% bracket. The resulting federal income tax is $3,371, an effective 7.4% of gross pay, well below the 12% marginal rate because the lower brackets are cheaper.
Social Security and Medicare (FICA)
Payroll taxes are a flat percentage of wages. Social Security takes 6.2% up to a wage base of $176,100, which costs $2,841 on this salary. Medicare takes 1.45%, or $665. FICA totals $3,506, which is 7.7% of gross pay.
State income tax in Massachusetts
Massachusetts income tax on this salary is $2,072 a year, or 4.5% of gross pay, after the state's own deductions and exemptions are applied. That is 61% of the federal income tax bill, and it comes out to $173 a month. Local taxes such as county or city income taxes are not included, so a few jurisdictions may withhold slightly more.
A cross-check with IRS data for Suffolk County, MA
IRS Statistics of Income data for Suffolk County, MA show an average adjusted gross income of $126,469 per return and an average effective federal income tax rate of 18.3% across all filers. Filers in the $25,000 to under $50,000 bracket, where this salary falls, paid an average of 5.5%, compared with the 7.4% estimated here for a single filer taking the standard deduction. Gaps between the two reflect filing status, dependents, credits and other income, none of which a single-person wage estimate includes.
Cost of living in Suffolk County, MA
Take-home pay only means something next to what life costs. We price four basics for one adult in Suffolk County, MA: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $36,881 of take-home pay.
Rent
Housing is the largest line in most budgets. For Suffolk County, MA, HUD sets the Fair Market Rent for a one-bedroom unit at $2,518 a month ($30,216 a year), and at $3,008 for two bedrooms. For Cooks, Restaurant, a one-bedroom absorbs 81.9% of take-home pay and 65.9% of gross pay.
Food
The USDA Thrifty Food Plan (August 2026) puts the cost of a nutritious home-cooked diet for an adult at about $3,436 a year, which is $286 a month or $66.07 a week. That equals 7.5% of gross pay for Cooks, Restaurant in Suffolk County, MA. It is a thrifty budget with no restaurant meals, so treat it as a floor.
Energy and gasoline
Using Massachusetts residential prices from the Energy Information Administration and national household averages for consumption, electricity costs about $3,101 a year and other home energy such as natural gas about $867, for $3,968 in total. Gasoline in Massachusetts averages $3.33 per gallon; at about 463 gallons a year (11,106 miles at 24 miles per gallon) fuel adds $1,542.
What is left over
The basics cost $39,161 a year in Suffolk County, MA, but take-home pay for Cooks, Restaurant is $36,881. That is a shortfall of $2,280 a year, or $190 a month, before health care, transportation beyond fuel, debt or savings. Closing the gap would take roughly 129 extra paid hours a year at the take-home hourly rate of $17.73, or a second earner, a cheaper home or a roommate.
Can Cooks, Restaurant afford to live in Suffolk County, MA?
The 30% rent guideline
A common rule of thumb says rent should stay under 30% of gross income. For a gross salary of $45,830 that ceiling is $1,146 a month. The one-bedroom Fair Market Rent of $2,518 is $1,372 over it, so rent breaks the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $48.42 an hour; the median for Cooks, Restaurant is $22.03, which is 55% below that mark. Another way to see it: at $17.73 of take-home pay an hour, a one-bedroom takes about 32.8 working hours every week.
Splitting a two-bedroom
Sharing a two-bedroom at $3,008 a month means $1,504 each. Compared with renting a one-bedroom alone, that saves $12,168 a year. With a roommate, the yearly margin after the basics becomes $9,888, which turns the shortfall into a surplus.
How fast you can save
With no monthly margin after the four basics, saving requires a change on one side of the ledger: higher pay than the $45,830 median, lower housing costs than the $2,518 one-bedroom rent, or a second income.
Frequently asked questions about Cooks, Restaurant pay in Suffolk County, MA
How much do Cooks, Restaurant make per hour in Suffolk County, MA?
The median is $22.03 per hour, based on $45,830 a year over 2,080 hours. Hourly pay runs from about $17.70 at the 10th percentile to $28.22 at the 90th percentile.
How much do Cooks, Restaurant take home after taxes in Suffolk County, MA?
After federal income tax, FICA and state income tax, the median salary of $45,830 becomes $36,881 a year. That is $3,073 a month, $1,419 every two weeks or $709 a week.
How much tax do Cooks, Restaurant pay in Suffolk County, MA?
Total taxes are $8,949 a year, an effective rate of 19.5%: $3,371 federal income tax, $3,506 FICA and $2,072 Massachusetts income tax.
Do Cooks, Restaurant earn more in Suffolk County, MA than elsewhere in Massachusetts?
Yes. The local median of $45,830 is +5.0% versus the Massachusetts average of $43,651, a difference of $2,179 a year.
Can Cooks, Restaurant afford a one-bedroom apartment in Suffolk County, MA?
A one-bedroom costs $2,518 a month against take-home pay of $3,073, which is 81.9% of take-home pay. That does not meet the 30%-of-gross guideline, which allows up to $1,146 a month.
What is the monthly budget margin for Cooks, Restaurant in Suffolk County, MA?
Nothing remains: the basics cost $39,161 a year, which is $2,280 more than take-home pay, a monthly shortfall of $190.
What hourly wage covers a one-bedroom in Suffolk County, MA at the 30% guideline?
$48.42 an hour for a full-time schedule, calculated as the $30,216 annual rent divided by 0.30 and by 2,080 hours. The median for Cooks, Restaurant is $22.03.
How we calculated these numbers
Wages are May 2025 medians from the Bureau of Labor Statistics Occupational Employment and Wage Statistics survey for the Boston-Cambridge-Newton, MA-NH metropolitan area; hourly-only values are annualized at 2,080 hours. Rents are HUD Fair Market Rents, food costs come from the USDA Thrifty Food Plan, and energy prices come from the Energy Information Administration. County-level tax statistics come from the IRS Statistics of Income.
Taxes use tax-year 2025 federal brackets, FICA rates and the Massachusetts rules for a single filer with wage income only. Figures are estimates for planning and comparison, not tax or financial advice, and they exclude local income taxes, benefits, retirement contributions and individual circumstances.