TaxtirementState guides ยท 2026 rules
How each state taxes retirement income
Social Security, pensions, IRA and 401(k) withdrawals, Roth conversions and capital gains, state by state. Each page is generated from the same researched rules Taxtirement uses, with links to the state's own documents.
8 states have no income tax at all, and Washington taxes only capital gains. Of the states with an income tax, 34 (counting DC) don't tax Social Security. Many exclude some pension or IRA income, often from a certain age and up to a limit.
- AlabamaSocial Security not taxed
- AlaskaNo income tax
- ArizonaSocial Security not taxed
- ArkansasSocial Security not taxed
- CaliforniaSocial Security not taxed
- ColoradoSocial Security: depends
- ConnecticutSocial Security: depends
- DelawareSocial Security not taxed
- District of ColumbiaSocial Security not taxed
- FloridaNo income tax
- GeorgiaSocial Security not taxed
- HawaiiSocial Security not taxed
- IdahoSocial Security not taxed
- IllinoisSocial Security not taxed
- IndianaSocial Security not taxed
- IowaSocial Security not taxed
- KansasSocial Security not taxed
- KentuckySocial Security not taxed
- LouisianaSocial Security not taxed
- MaineSocial Security not taxed
- MarylandSocial Security not taxed
- MassachusettsSocial Security not taxed
- MichiganSocial Security not taxed
- MinnesotaSocial Security: depends
- MississippiSocial Security not taxed
- MissouriSocial Security not taxed
- MontanaTaxes Social Security
- NebraskaSocial Security not taxed
- NevadaNo income tax
- New HampshireNo income tax
- New JerseySocial Security not taxed
- New MexicoSocial Security: depends
- New YorkSocial Security not taxed
- North CarolinaSocial Security not taxed
- North DakotaSocial Security not taxed
- OhioSocial Security not taxed
- OklahomaSocial Security not taxed
- OregonSocial Security not taxed
- PennsylvaniaSocial Security not taxed
- Rhode IslandSocial Security: depends
- South CarolinaSocial Security not taxed
- South DakotaNo income tax
- TennesseeNo income tax
- TexasNo income tax
- UtahSocial Security: depends
- VermontSocial Security: depends
- VirginiaSocial Security not taxed
- WashingtonCapital gains only
- West VirginiaSocial Security not taxed
- WisconsinSocial Security not taxed
- WyomingNo income tax
These pages summarize each state's 2026 rules for education and planning. They aren't tax advice and don't cover every situation. Items still being confirmed against a state's 2026 forms are marked on its page.