Job Salary Guide · 2026
Surgeon Salary After Tax in Lowell
Based on BLS OEWS data · MA · Single filer
Surgeon Salary Range
25th Percentile
$290,000
Take-home:
$193,770
$16,148/mo
Entry to mid-level
Median
$352,000
Take-home:
$229,513
$19,126/mo
Typical salary
75th Percentile
$470,000
Take-home:
$297,540
$24,795/mo
Senior / specialist
Tax Breakdown
At median salary of $352,000
Cost of Living in Lowell
1BR Monthly Rent
$1,700/mo
2BR Monthly Rent
$2,150/mo
COL Index
1.23
Comfortable Rent Max
$4,781/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $19,126 ($229,512/yr)
$9,563
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$5,738
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$3,825
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$114,756
Wants / year
$68,854
Savings / year
$45,902
Surgeon Salary in Other Cities
Frequently Asked Questions
What is the average Surgeon salary in Lowell?
The median Surgeon salary in Lowell (MA) is $352,000 per year based on BLS OEWS data. The 25th percentile is $290,000 and the 75th percentile is $470,000.
What is the take-home pay for a Surgeon in Lowell?
At the median salary of $352,000, a Surgeon in MA takes home approximately $229,513 per year ($19,126/month) after federal and state taxes. The effective tax rate is 34.8%.
Can a Surgeon afford rent in Lowell?
The average 1-bedroom rent in Lowell is $1,700/month. On the median Surgeon salary, your rent-to-income ratio is 8.9%, which is "Comfortable". Financial experts recommend keeping rent below 25–30% of take-home pay ($4,781/month at this salary).
How does cost of living affect Surgeon 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 Surgeon salary.