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State retirement taxes · 2026

Does Florida tax retirement income?

Short answer: No. Florida has no personal income tax, so Social Security is not taxed. The state constitution bars a personal income tax, and individuals pay no capital gains tax.

Tax-free retirement income2026 rules Verified October 23, 2026

What’s taxed in Florida

2026 rules.

Social SecurityNot taxed
Florida has no personal income tax, so Social Security is not taxed.
PensionsNot taxed
Pensions are not taxed — Florida has no personal income tax.
IRA & 401(k) withdrawalsNot taxed
IRA and 401(k) withdrawals are not taxed.
Military retirement payNot taxed
Military retirement pay is not taxed.
Income tax rateNone
No personal income tax and no capital gains tax for individuals.

Does Florida tax Social Security?

Florida has no personal income tax, so Social Security is not taxed.

The Florida Constitution bars an income tax on residents, and the Department of Revenue confirms there are no personal income tax filing requirements.

Your federal return is a separate question — see how much of your benefit the IRS taxes with the taxable Social Security calculator.

Are pensions taxed in Florida?

Pensions are not taxed — Florida has no personal income tax.

Public and private pensions owe no state income tax.

Are IRA and 401(k) withdrawals taxed in Florida?

IRA and 401(k) withdrawals are not taxed.

With no personal income tax, withdrawals and required minimum distributions owe no state tax.

Required minimum distributions (RMDs) are IRA and 401(k) withdrawals, so the same rules apply. Estimate your RMD.

Is military retirement pay taxed in Florida?

Military retirement pay is not taxed.

What is Florida’s income tax rate?

Florida has no broad income tax.

No personal income tax and no capital gains tax for individuals. Florida’s corporate income tax applies only to businesses.

What tax breaks do seniors get in Florida?

Not applicable to income tax. Senior homestead property tax exemptions are set locally and are not covered here.

What changed for 2026?

None for individual income tax — the state constitution prohibits one.

Florida has no personal income tax.

How Florida compares with its neighbors

Thinking of moving across the line? Here’s how each bordering state treats retirement income in 2026.

State tax is half the picture — check the federal side

Is My Social Security Taxable?How much of your Social Security is taxable using the IRS worksheet — and what the new $6,000 senior deduction changes.Open RMD CalculatorYour required minimum distribution for 2026 or 2027, the exact deadline, and the IRS table math behind it.Open IRMAA CalculatorWill your income trigger Medicare's IRMAA surcharge? See your tier, the yearly cost, and how far you are from the next cliff.Open

Florida retirement tax questions

Does Florida tax Social Security or pensions?

No. Florida has no personal income tax, so Social Security is not taxed. The Florida Constitution bars an income tax on residents, and the Department of Revenue confirms there are no personal income tax filing requirements.

Are IRA withdrawals and RMDs taxed in Florida?

No. IRA and 401(k) withdrawals are not taxed. With no personal income tax, withdrawals and required minimum distributions owe no state tax.

Is Florida tax-friendly for retirees?

We rate Florida “Tax-free retirement income” for 2026. The state constitution bars a personal income tax, and individuals pay no capital gains tax. Our rating covers state income tax only — not property or sales taxes, which can still matter.

Is military retirement pay taxed in Florida?

No. Military retirement pay is not taxed.

Sources for Florida

Primary sources only. We re-check them whenever an agency publishes new figures.

  1. State
    Florida Department of Revenue — FAQ: personal income tax
  2. State
    Florida Department of Revenue — Florida’s tax brochure (GT-800025)
  3. State
    Florida Department of Revenue — FAQ: capital gains

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