United States · retirement
Is Social Security taxed by your state?
Pick a state to see whether it taxes Social Security benefits in 2026, the rule that applies and the official source.
Reference only, not tax advice
Rules and thresholds change each year. Follow the source link for the current limits for your filing status. Nothing you select leaves your browser.
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Answer
How states tax Social Security
Most states do not tax Social Security benefits. For 2026, eight states still tax them at least in part: Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah and Vermont. Each exempts most lower- and middle-income retirees through subtractions, thresholds or credits. West Virginia finishes phasing out its tax with tax year 2026. Federal tax on benefits is separate: see the taxable Social Security calculator.
| State | Status | Rule | Source |
|---|---|---|---|
| Colorado | Taxes benefits (with exemptions) | Taxes federally taxable benefits, but residents 65 and older may subtract all federally taxed Social Security; residents 55 to 64 get a smaller, income-limited subtraction. | Colorado Department of Revenue, Income Tax Topics: Social Security, Pensions and Annuities |
| Connecticut | Taxes benefits (with exemptions) | Benefits are fully exempt when federal AGI is under $75,000 (single, married filing separately) or under $100,000 (joint, head of household). Above those amounts a partial deduction applies and no more than 25% of total benefits is taxed. | Connecticut Office of Legislative Research, Income Tax Exemptions for Retirement Income (2025-R-0152) |
| Minnesota | Taxes benefits (with exemptions) | Taxes federally taxable benefits, with a Social Security subtraction that is full below income thresholds and phases out above them (a simplified and an alternative method exist). | Minnesota Department of Revenue, Social Security Benefit Subtraction |
| Montana | Taxes benefits (with exemptions) | Starts from the federal taxable amount (the separate Montana Social Security worksheet was repealed); residents 65 and older may claim a separate age-based subtraction. | Montana Department of Revenue, 2025 Form 2 |
| New Mexico | Taxes benefits (with exemptions) | Benefits are exempt when income is under $100,000 (single), under $150,000 (married filing jointly, surviving spouses, head of household) or under $75,000 (married filing separately). The department states the exemption begins with tax year 2022. | New Mexico Taxation and Revenue Department, Social Security Income Tax Exemption |
| Rhode Island | Taxes benefits (with exemptions) | Taxpayers at full retirement age whose federal AGI is below an inflation-adjusted limit may subtract their taxable Social Security; others are taxed on the federal taxable amount. | Rhode Island Division of Taxation, 2026 Retirement Income Guide |
| Utah | Taxes benefits (with exemptions) | Taxes federally taxable benefits but offers a nonrefundable Social Security benefits credit; the credit is reduced as income rises (see the TC-40 instructions). | Utah State Tax Commission, Retirees and Seniors |
| Vermont | Taxes benefits (with exemptions) | Part or all of federally taxable benefits is exempt for lower- and middle-income filers; the AGI thresholds were raised under Act 71 of 2025, so check the department page for the current limits. | Vermont Department of Taxes, Social Security Exemption |
| West Virginia | Exempt from tax year 2026 | Fully exempt from tax year 2026. The decreasing modification was 35% for 2024, 65% for 2025 and 100% for 2026 (benefits were already fully exempt below $50,000 AGI, or $100,000 joint). | West Virginia State Tax Department, Social Security Modification |
Everyone else: the remaining 41 states and the District of Columbia do not tax Social Security benefits, per Kiplinger’s 2026 list of the states that still do.
Sources. Each state row links to the revenue agency (or, for Connecticut, the legislature’s Office of Legislative Research) page above, retrieved October 2026. The eight-state list: Kiplinger, States That Tax Social Security Benefits in 2026. Thresholds change each year; numbers are shown only where the agency source states them, so confirm current limits on the linked page.
Frequently asked questions
Which states tax Social Security benefits in 2026?
Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah and Vermont still tax benefits at least in part, though most have exemptions for lower and middle incomes. West Virginia completes its phase-out for tax year 2026.
Is Social Security taxed in Florida, Texas or California?
Florida and Texas have no income tax at all. California taxes most income but does not tax Social Security benefits. Social Security may still be taxable at the federal level depending on your total income.
Is Social Security taxed in Connecticut?
Benefits are fully exempt when federal AGI is under $75,000 (single, married filing separately) or $100,000 (joint, head of household). Above those amounts no more than 25% of total benefits is taxed, per the Connecticut Office of Legislative Research.
Is Social Security taxed in New Mexico?
The New Mexico Taxation and Revenue Department says benefits are exempt for single filers with under $100,000 of income, joint filers, surviving spouses and heads of household with under $150,000, and married filing separately with under $75,000.
Did West Virginia stop taxing Social Security?
The West Virginia Tax Division states the decreasing modification was 35% for 2024, 65% for 2025 and 100% for 2026, so benefits are fully exempt for tax year 2026.
Does the federal government tax Social Security?
Yes, up to 85% of benefits can be federally taxable depending on your other income. That is separate from state rules. Use the federal taxable Social Security calculator for that estimate.