Retirement Tax Guide by State (2026)

Compare state income tax rates, Social Security taxation, and retirement income exemptions across all 50 states + DC.

No Income Tax States

Alaska — No state income tax
Florida — No state income tax
Nevada — No state income tax
New Hampshire — No state income tax
South Dakota — No state income tax
Tennessee — No state income tax
Texas — No state income tax
Washington — No state income tax
Wyoming — No state income tax

All States

Alabama (AL) — 5% top rate
Alaska (AK) — No income tax
Arizona (AZ) — 2.5% top rate
Arkansas (AR) — 4.4% top rate
California (CA) — 13.3% top rate
Colorado (CO) — 4.4% top rate
Connecticut (CT) — 6.99% top rate
Delaware (DE) — 6.6% top rate
District of Columbia (DC) — 10.75% top rate
Florida (FL) — No income tax
Georgia (GA) — 5.09% top rate
Hawaii (HI) — 11% top rate
Idaho (ID) — 5.8% top rate
Illinois (IL) — 4.95% top rate
Indiana (IN) — 2.95% top rate
Iowa (IA) — 5.7% top rate
Kansas (KS) — 5.7% top rate
Kentucky (KY) — 3.5% top rate
Louisiana (LA) — 4.25% top rate
Maine (ME) — 7.15% top rate
Maryland (MD) — 5.75% top rate
Massachusetts (MA) — 5% top rate
Michigan (MI) — 4.25% top rate
Minnesota (MN) — 9.85% top rate
Mississippi (MS) — 4% top rate
Missouri (MO) — 4.95% top rate
Montana (MT) — 6.75% top rate
Nebraska (NE) — 6.64% top rate
Nevada (NV) — No income tax
New Hampshire (NH) — No income tax
New Jersey (NJ) — 10.75% top rate
New Mexico (NM) — 5.9% top rate
New York (NY) — 10.9% top rate
North Carolina (NC) — 4.5% top rate
North Dakota (ND) — 2.5% top rate
Ohio (OH) — 3.75% top rate
Oklahoma (OK) — 4.75% top rate
Oregon (OR) — 9.9% top rate
Pennsylvania (PA) — 3.07% top rate
Rhode Island (RI) — 5.99% top rate
South Carolina (SC) — 6.4% top rate
South Dakota (SD) — No income tax
Tennessee (TN) — No income tax
Texas (TX) — No income tax
Utah (UT) — 4.65% top rate
Vermont (VT) — 8.75% top rate
Virginia (VA) — 5.75% top rate
Washington (WA) — No income tax
West Virginia (WV) — 6.5% top rate
Wisconsin (WI) — 7.65% top rate
Wyoming (WY) — No income tax

Data: IRS Rev. Proc. 2025-32, SSA, BEA Regional Price Parities 2024. Not financial advice.