Which States Tax Social Security Benefits in 2026? A Quick State Tax Guide
Which States Tax Social Security Benefits in 2026?
As retirees plan for 2026, understanding state taxes on Social Security benefits is crucial, especially with a 2.8% cost-of-living adjustment boosting payments. While 41 states plus Washington, D.C., impose no state tax on these benefits, nine states do, often with income thresholds and exemptions that limit the impact for many.[1][2][3] Our interactive map highlights these variations, helping you visualize potential liabilities based on your location.
States That Tax Benefits and Key Exemptions
Colorado offers full deductions for those 65+ on federally taxable benefits, with partial relief for ages 55-64 under AGI limits like $75,000 single.[1][2] Connecticut exempts benefits fully below $75,000 AGI single, applying 75% exemption above.[1] Minnesota provides full exemptions up to $84,490 AGI single, phasing out gradually.[1] Similar rules apply in Montana, New Mexico, Rhode Island, Utah, Vermont, and West Virginia, where West Virginia fully phases out taxation by 2026.[1][3] Utah follows federal rules, taxing up to 85% for higher earners.[2][3]
Plan Ahead with Our 2026 Map
Check the map to see if your state taxes benefits and at what rates, such as Utah's flat 4.5% or Colorado's 4.4%.[2] Factors like adjusted gross income determine exemptions, so review your situation to minimize taxes. Relocating to a tax-free state could save thousands annually.[1][3]
