Retirement taxes by state
Enter your retirement income to see your 2026 state and federal income tax in any state, including the new $6,000 senior deduction.
What the comparison assumes
The map and ranking use 2026 rules for a full-year resident, single filer, age 67, with $30,000 Social Security, $20,000 private defined-benefit pension, $20,000 traditional IRA withdrawals. Pension income is a general private pension; withdrawals are traditional IRA income. No wages, military pension, special public-pension eligibility or itemized deductions are included. Maryland and Indiana estimates include an approximate statewide-average county income tax; other local income taxes are not modeled. A zero state bill on this example does not mean every kind of income is exempt.
Your age, income mix, filing status and each spouse's own qualifying income can change the result. Change the calculator inputs before using the comparison for your household.
State income tax in Florida: $0 a year
In Florida, qualifying employer-plan withdrawals can receive the pension exclusion while traditional IRA withdrawals do not. Keep each account in its own field when changing state; the calculator applies the state-specific treatment.
The employer-plan field supports federally taxable private 401(k) / 403(b) retirement distributions owned by someone aged 60 or older. Earlier distributions and Hawaii, Mississippi or Pennsylvania employer-plan scenarios are not calculated; funding or plan retirement eligibility needs a separate check. Enter each amount once; do not include completed rollovers, Roth payments or special public/military plans.
Older shared links did not identify employer-plan withdrawals separately. Pension and IRA amounts have been left unchanged. If an old amount includes 401(k) or 403(b) withdrawals, move that portion into the employer-plan field before comparing states; the tool cannot infer the original account type.
Household totals include taxable private pensions and traditional retirement withdrawals. Other ordinary income means taxable interest and ordinary dividends; capital gains, qualified dividends, tax-exempt interest, wages, Roth distributions and special public or military pension rules need a separate calculation. Disability and survivor eligibility are not assessed by this tool. Age bands represent the listed ages for the full year; midyear eligibility and birth-date exceptions need checking.
Local income taxes are not modeled here, except the approximate statewide-average county rates included when you select Maryland or Indiana.
In Florida you'd pay about $0 in state income tax and $4,336 in federal income tax on $70,000 of retirement income, keeping $65,664 (6.2% total).
Florida ranks tied for #1 of 51 with 18 other states for the lowest state tax on this income. 19 states charge no state income tax on this income.
How each state taxes retirement income
| State | Social Security | Pensions | 401(k)/IRA | Tax on typical income* |
|---|---|---|---|---|
| Alaska | Not taxed | Not taxed | Not taxed | $0 |
| Connecticut | Partly taxed | Partly taxed | Partly taxed | $0 |
| Florida | Not taxed | Not taxed | Not taxed | $0 |
| Georgia | Not taxed | Partly taxed | Partly taxed | $0 |
| Illinois | Not taxed | Not taxed | Not taxed | $0 |
| Iowa | Not taxed | Not taxed | Not taxed | $0 |
| Maine | Not taxed | Partly taxed | Partly taxed | $0 |
| Michigan | Not taxed | Partly taxed | Partly taxed | $0 |
| Mississippi | Not taxed | Not taxed | Not taxed | $0 |
| Nevada | Not taxed | Not taxed | Not taxed | $0 |
| New Hampshire | Not taxed | Not taxed | Not taxed | $0 |
| New Jersey | Not taxed | Partly taxed | Partly taxed | $0 |
| North Dakota | Not taxed | Taxed | Taxed | $0 |
| Pennsylvania | Not taxed | Not taxed | Not taxed | $0 |
| South Dakota | Not taxed | Not taxed | Not taxed | $0 |
| Tennessee | Not taxed | Not taxed | Not taxed | $0 |
| Texas | Not taxed | Not taxed | Not taxed | $0 |
| Washington | Not taxed | Not taxed | Not taxed | $0 |
| Wyoming | Not taxed | Not taxed | Not taxed | $0 |
| Wisconsin | Not taxed | Partly taxed | Partly taxed | $38 |
| Rhode Island | Partly taxed | Partly taxed | Partly taxed | $133 |
| Hawaii | Not taxed | Not taxed | Taxed | $138 |
| Kentucky | Not taxed | Partly taxed | Partly taxed | $154 |
| Alabama | Not taxed | Not taxed | Partly taxed | $218 |
| South Carolina | Not taxed | Partly taxed | Partly taxed | $320 |
| California | Not taxed | Taxed | Taxed | $390 |
| Arizona | Not taxed | Taxed | Taxed | $395 |
| Louisiana | Not taxed | Partly taxed | Partly taxed | $445 |
| New York | Not taxed | Partly taxed | Partly taxed | $488 |
| Idaho | Not taxed | Taxed | Taxed | $585 |
| Ohio | Not taxed | Partly taxed | Partly taxed | $600 |
| Delaware | Not taxed | Partly taxed | Partly taxed | $612 |
| Colorado | Partly taxed | Partly taxed | Partly taxed | $625 |
| New Mexico | Partly taxed | Partly taxed | Partly taxed | $665 |
| Maryland | Not taxed | Partly taxed | Partly taxed | $677 |
| Virginia | Not taxed | Partly taxed | Partly taxed | $750 |
| Arkansas | Not taxed | Partly taxed | Partly taxed | $791 |
| Missouri | Not taxed | Partly taxed | Partly taxed | $795 |
| Oklahoma | Not taxed | Partly taxed | Partly taxed | $805 |
| Nebraska | Not taxed | Taxed | Taxed | $847 |
| West Virginia | Not taxed | Partly taxed | Partly taxed | $1,043 |
| North Carolina | Not taxed | Taxed | Taxed | $1,087 |
| Washington, DC | Not taxed | Taxed | Taxed | $1,111 |
| Minnesota | Partly taxed | Taxed | Taxed | $1,214 |
| Kansas | Not taxed | Taxed | Taxed | $1,385 |
| Vermont | Partly taxed | Taxed | Taxed | $1,415 |
| Utah | Partly taxed | Partly taxed | Partly taxed | $1,474 |
| Montana | Taxed | Partly taxed | Partly taxed | $1,529 |
| Massachusetts | Not taxed | Taxed | Taxed | $1,745 |
| Indiana | Not taxed | Taxed | Taxed | $1,748 |
| Oregon | Not taxed | Taxed | Taxed | $2,179 |
*Single filer age 67 with $30,000 Social Security, $20,000 private defined-benefit pension, $20,000 traditional IRA withdrawals. "Partly taxed" means the state exempts some income, usually up to a dollar cap, by age or below an income limit; see each state's page. Rules reviewed 2026-09-24.
Social Security: full exemptions and conditional subtractions
8 states can tax some benefits: Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah, Vermont. Their age or income tests matter; a general “partly taxed” label does not mean every retiree pays tax. Use each state's rules and calculator. States without a state income tax also leave benefits untaxed, but this is different from a retirement-specific subtraction in a state that taxes other income.
Pensions, IRA withdrawals and military retirement
A Social Security exemption does not automatically exempt your pension or IRA withdrawals. Public pensions may depend on the employer, service dates or whether the plan paid into Social Security. Military retirement can have a separate rule. Age-based exclusions may share one cap across pensions and retirement accounts; do not count the same allowance twice. Each state page explains these distinctions and links to its revenue department.
Beyond taxes: where to retire
State income tax is only one part of what retirement costs. The best states to retire ranking adds living costs, health premiums before Medicare and natural-disaster risk, with weights you can change.
Frequently asked questions
Which states tax Social Security in 2026?
8 states can tax some Social Security benefits: Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah, Vermont. Most of them exempt benefits below an income limit or for older retirees.
What is the new senior deduction?
For 2025 through 2028, taxpayers 65 and older can deduct an extra $6,000 each on their federal return, on top of the standard deduction. It shrinks by 6 cents per dollar of income above $75,000 (single) or $150,000 (joint).
What is the most tax-friendly state for retirees?
On a typical retirement income ($30,000 Social Security, $20,000 private defined-benefit pension, $20,000 traditional IRA withdrawals), 19 states charge no state income tax at all, including the nine states without an income tax and several that exempt most retirement income.