Which states don't tax retirement income?

Nine states have no income tax and therefore don't tax any retirement income: Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, and Wyoming. Additionally, Illinois, Mississippi, and Pennsylvania exempt all retirement income from state tax.

Which states don't tax Social Security?

The majority of states (41+) do not tax Social Security benefits. Only a handful of states partially tax Social Security, and most of those exempt it below certain income thresholds.

Retirement Tax by State

States ranked by how they tax retirement income — Social Security, 401(k)/IRA withdrawals, and pensions. 9 states have no income tax at all. Others vary widely in what they exempt.

Rank	State	Social Security	401(k)/IRA	Pensions	Notes
1	Alaska	No Tax	No Tax	No Tax	No state income tax
1	Florida	No Tax	No Tax	No Tax	No state income tax
1	New Hampshire	No Tax	No Tax	No Tax	No tax on earned income
1	Nevada	No Tax	No Tax	No Tax	No state income tax
1	South Dakota	No Tax	No Tax	No Tax	No state income tax
1	Tennessee	No Tax	No Tax	No Tax	No state income tax
1	Texas	No Tax	No Tax	No Tax	No state income tax
1	Washington	No Tax	No Tax	No Tax	No state income tax
1	Wyoming	No Tax	No Tax	No Tax	No state income tax
10	Illinois	No Tax	No Tax	No Tax	Exempt
10	Mississippi	No Tax	No Tax	No Tax	Exempt
10	Pennsylvania	No Tax	No Tax	No Tax	Exempt
11	Georgia	No Tax	Partial	Partial	Exempt
13	Alabama	No Tax	Taxed	Partial	Exempt
13	Arizona	No Tax	Partial	Partial	Exempt
13	Colorado	Partial	Partial	Partial	Deduction available age 55-64, full exclusion 65+
13	Delaware	No Tax	Partial	Partial	Exempt
13	Iowa	No Tax	Partial	Partial	Exempt
13	Kentucky	No Tax	Partial	Partial	Exempt
13	Louisiana	No Tax	Partial	Partial	Exempt
13	Michigan	No Tax	Partial	Partial	Exempt
13	Missouri	Partial	Partial	Partial	Exempt if AGI below $100K
13	Oklahoma	No Tax	Partial	Partial	Exempt
13	South Carolina	No Tax	Partial	Partial	Exempt
14	Hawaii	No Tax	Taxed	Partial	Exempt
18	Arkansas	No Tax	Taxed	Taxed	Exempt
18	Maryland	No Tax	Taxed	Partial	Exempt
18	Maine	No Tax	Taxed	Partial	Exempt
18	North Dakota	No Tax	Taxed	Taxed	Exempt
18	New Jersey	No Tax	Partial	Partial	Exempt
18	New York	No Tax	Partial	Partial	Exempt
18	Ohio	No Tax	Partial	Partial	Exempt
18	Virginia	No Tax	Partial	Partial	Exempt
19	California	No Tax	Taxed	Taxed	Exempt
20	Idaho	No Tax	Taxed	Taxed	Exempt
20	Indiana	No Tax	Taxed	Taxed	Exempt
20	Kansas	Partial	Taxed	Taxed	Exempt if AGI below $75K
20	Massachusetts	No Tax	Taxed	Taxed	Exempt
20	Montana	Partial	Taxed	Partial	Partially taxed
20	North Carolina	No Tax	Taxed	Taxed	Exempt
20	Nebraska	No Tax	Taxed	Taxed	Exempt (as of 2024)
20	New Mexico	Partial	Taxed	Taxed	Exempt if income under $100K
20	Rhode Island	Partial	Taxed	Taxed	Exempt if income below $101,000
20	Wisconsin	No Tax	Taxed	Partial	Exempt
28	Connecticut	Partial	Taxed	Taxed	Exempt if AGI below $75K
28	District of Columbia	No Tax	Taxed	Taxed	Exempt
28	Oregon	No Tax	Taxed	Taxed	Exempt
28	West Virginia	Partial	Taxed	Taxed	Being phased out by 2026
30	Minnesota	Partial	Taxed	Taxed	Partially taxed (subtraction available)
30	Vermont	Partial	Taxed	Taxed	Follows federal taxability

How to read this table:

No Tax — the state does not tax this type of retirement income
Partial — some portion is exempt or a deduction is available
Taxed — fully taxed as regular income

Data from Tax Foundation and state revenue departments, 2024 tax year. Rules change frequently — verify with a tax professional before making decisions.