Job Salary Guide · 2026
Chef Salary After Tax in Lowell
Based on BLS OEWS data · MA · Single filer
Chef Salary Range
25th Percentile
$40,000
Take-home:
$32,178
$2,682/mo
Entry to mid-level
Median
$58,000
Take-home:
$45,741
$3,812/mo
Typical salary
75th Percentile
$80,000
Take-home:
$60,666
$5,056/mo
Senior / specialist
Tax Breakdown
At median salary of $58,000
Cost of Living in Lowell
1BR Monthly Rent
$1,700/mo
2BR Monthly Rent
$2,150/mo
COL Index
1.23
Comfortable Rent Max
$953/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $3,812 ($45,744/yr)
$1,906
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$1,144
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$762
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$22,872
Wants / year
$13,723
Savings / year
$9,149
Chef Salary in Other Cities
Frequently Asked Questions
What is the average Chef salary in Lowell?
The median Chef salary in Lowell (MA) is $58,000 per year based on BLS OEWS data. The 25th percentile is $40,000 and the 75th percentile is $80,000.
What is the take-home pay for a Chef in Lowell?
At the median salary of $58,000, a Chef in MA takes home approximately $45,741 per year ($3,812/month) after federal and state taxes. The effective tax rate is 21.14%.
Can a Chef afford rent in Lowell?
The average 1-bedroom rent in Lowell is $1,700/month. On the median Chef salary, your rent-to-income ratio is 44.6%, which is "High Stress". Financial experts recommend keeping rent below 25–30% of take-home pay ($953/month at this salary).
How does cost of living affect Chef salaries in Lowell?
Lowell has a cost-of-living index of 1.23 (1.00 = national average). Lowell is 23% more expensive than the US average, which reduces the real purchasing power of the Chef salary.