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Masterbation is unwholesome just like getting angry is unwholesome.
Getting angry is not recommended, but it is not against a precept.
It should be noted that the only difference in precepts of a lay person and a novice monk is the tenth precept of not using money.
As far as the third precept (sexual misconduct) is concerned for the five precept yogi; "It takes two to tango." From what I've heard, masturbation or fantasizing about people other than your partner won't break the 3rd precept. Just like harming animals doesn't break the 1st precept until you actually kill.
Masturbation alters the mind state and creates bad mind-made kamma.
Still, if masturbation is breaking the third precept, why is not consensual sex, or even romantic kissing or fondling?
Often, separate "prison monasteries" are set up for this purpose in Asia because of the difficulties in the logistics to carry out such a task.