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How much can step deck owner-operators earn in Massachusetts (MA)? Estimated rates, gross and net monthly income, cost of living impact, fuel costs, and top lanes in the Northeast region.
Rate Per Mile
$4.02
+25.6% vs national
Est. Gross Monthly
$28,140
+3.5% vs national
Est. Net Monthly
$15,946
After COL-adjusted expenses
| Metric | Massachusetts | National Avg | Diff |
|---|---|---|---|
| Rate/Mile | $4.02 | $3.20 | +25.6% |
| Gross Monthly | $28,140 | $27,200 | +3.5% |
| Est. Net Monthly | $15,946 | $17,680 | -9.8% |
| Cost of Living | 135 (Very High) | 100 (Baseline) | +35% |
| Fuel Tax | 24.0c/gal | ~32c/gal | Below avg |
Massachusetts's high cost of living (index 135) means your dollars don't stretch as far. While step deck rates are above the national average at $4.02/mile, elevated food, lodging, and living expenses reduce your effective take-home pay. Owner-operators based in MA should aim for higher per-mile rates to compensate.
| Category | Est. Monthly | % of Gross |
|---|---|---|
| Fuel | $6,078 | 21.6% |
| Insurance | $1,126 | 4.0% |
| Truck Payment / Lease | $1,800 | 6.4% |
| Maintenance & Repairs | $1,407 | 5.0% |
| Tires | $300 | 1.1% |
| Permits & Licenses | $203 | 0.7% |
| Food & Living | $1,080 | 3.8% |
| Phone / Software | $200 | 0.7% |
| Total Expenses | $12,194 | 43.3% |
| Net Take-Home | $15,946 | 56.7% |
Expenses adjusted for Massachusetts's cost of living index (135). Actual costs vary by individual circumstances.
Massachusetts's fuel tax of 24.0 cents/gallon is below the national average (~32c), giving step deck carriers a fuel cost advantage. At 5-6 MPG, this saves approximately $120/month compared to higher-tax states. Combined with moderate freight volume, MA offers solid margin potential.
| State | Rate/Mile | Gross/Mo | Fuel Tax |
|---|---|---|---|
| Massachusetts (MA) | $4.02 | $28,140 | 24.0c |
| Connecticut (CT) | $3.61 | $25,270 | 25.0c |
| Delaware (DE) | $3.72 | $26,040 | 22.0c |
| Maine (ME) | $3.65 | $25,550 | 30.0c |
| Maryland (MD) | $4.02 | $28,140 | 27.1c |
A good dispatch service can boost your per-mile rate by $0.15-$0.40 through better load negotiation, reduced deadhead, and detention pay recovery.