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.
State income tax in Florida: $0 a year
In Florida, the 401(k)/IRA amount counts as IRA withdrawals, which don't qualify for the pension exclusion. Enter withdrawals from employer plans such as a 401(k) or 403(b) as pension.
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 |
| South Carolina | Not taxed | Partly taxed | Partly taxed | $199 |
| Alabama | Not taxed | Not taxed | Partly taxed | $218 |
| Ohio | Not taxed | Partly taxed | Partly taxed | $268 |
| Arizona | Not taxed | Taxed | Taxed | $395 |
| California | Not taxed | Taxed | Taxed | $430 |
| Louisiana | Not taxed | Partly taxed | Partly taxed | $454 |
| New York | Not taxed | Partly taxed | Partly taxed | $488 |
| Idaho | Not taxed | Taxed | Taxed | $585 |
| 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 |
| West Virginia | Not taxed | Partly taxed | Partly taxed | $791 |
| 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 |
| 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 or older with $30,000 Social Security, $20,000 pension, $20,000 401(k)/IRA. "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.
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 pension, $20,000 401(k)/IRA), 19 states charge no state income tax at all, including the nine states without an income tax and several that exempt most retirement income.