Retiree Income Tax in Every State, 2026

How much state income tax does a retiree pay in each state in 2026?

It depends far more on the state than on the income. A married couple, both 67, with $48,000 of Social Security and $52,000 of IRA withdrawals pays $4,028 of federal income tax in every state, but state income tax ranges from $0 in 26 jurisdictions to $2,349 in Oregon; the median among the states that tax it is $790.

Ten retiree households, each priced in all 50 states and DC by the same engine: federal income tax (the same everywhere) and state income tax (which ranges from nothing to several thousand dollars on the same income). Each household is 67 (both spouses 67 on a joint return) and takes the standard deduction.

The ten households

State income tax by state, six of the ten households

"Private pension": public, military and federal civil-service pensions get different exclusions in many states; the pension-exclusion map covers them. Local income taxes are not included.

Price your own 2026 return and year-end moves in your state
Free: your 2026 baseline, one move in full and your combined total.

Download the data

Every row on this page, with its inputs: retiree-tax-by-state-2026.csv · retiree-tax-by-state-2026.json (CC0).

Questions

Which states do not tax retirement income?

For the married couple with $100,000 of Social Security and IRA income, 26 of the 51 jurisdictions charge no state income tax. The list differs by income type and amount; the full table is on the page and in the CSV.

Is federal tax the same in every state?

Yes. Federal income tax does not depend on the state; only the state tax column changes.

What is not included?

Local income taxes, property and sales taxes, itemized deductions and state credits beyond the engine's modelled rules.

Sources and method

Every figure was computed by QuantCalc's open tax engines — federal 2.0.0 and state 1.12.0, the same engines behind the federal and state tax APIs — for the 2026 tax year. The engine documentation lists the official source of every rule; the rules this study leans on:

• Rev. Proc. 2025-32: 2026 inflation-adjusted items (incl. One Big Beautiful Bill amendments)
• Rev. Proc. 2025-32: 2026 inflation-adjusted items (incl. One Big Beautiful Bill amendments)
• 26 U.S. Code § 151
• 26 U.S. Code § 86

Federal tax uses the tax rate schedule (the IRS Tax Table, used on returns below $100,000 of taxable income, differs by a few dollars). Households are illustrations, not averages. A joint household's pension, IRA withdrawals and conversion are split evenly between the spouses, so each spouse's own retirement exclusions apply; state tax comes from the state engine through its public API with exactly that split. The full inputs of every row are in the data files, and every row can be re-run through the public APIs.

An estimate, not tax advice. These are computed examples for the 2026 tax year from QuantCalc's open tax engine. Your own return depends on facts these examples do not include. Check any move with your tax preparer or account custodian before acting.

@misc{quantcalc2026retireeincometaxineverystate2026federals,
  title  = {Retiree Income Tax in Every State, 2026: Federal + State Tax on Ten Retirement Incomes},
  author = {{QuantCalc Research}},
  year   = {2026},
  url    = {https://quantcalc.app/research/retiree-tax-by-state-2026/},
  note   = {Accessed <date>}
}