Only 8 states still tax Social Security.Here's the whole 50-state map.
West Virginia dropped its tax on Social Security in January, leaving just 8 states that can still touch a benefit check, and even in those 8, income limits mean many retirees pay nothing. The printable puts every state in one of three groups, with the 8 states' exact rules and thresholds, so you can find yours in seconds. From Jim Swiech, CPA.
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Quick answers
- Which states tax Social Security benefits in 2026?
- Eight: Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah and Vermont. Every one of them has an income threshold or age exemption, so many retirees in those states still pay $0 state tax on their benefits. West Virginia finished phasing out its tax for 2026, which is what brought the list down to eight.
- Does New York tax Social Security?
- No. New York does not tax Social Security benefits at any income level. It also exempts the first $20,000 per person of pension and IRA income for taxpayers 59½ and older, and it fully exempts New York State, local government and federal government pensions.
- If a state does not tax Social Security, is retirement income tax-free there?
- Not necessarily. Most of the 42 states that spare Social Security still tax IRA and 401(k) withdrawals and private pensions as ordinary income. A handful, including Florida, Texas, Nevada and Tennessee, have no income tax at all. The map on this page shows both layers so you are not surprised by the one it usually leaves off.
Updated . Reviewed by Jim Swiech, CPA.
This printable is educational and general in nature, it is not tax, legal, or investment advice, and it is not a recommendation to move or to claim at any age. State rules are as published for 2026 where available, summarized; thresholds, phase-outs, and filing-status details vary. Go Beyond Tax is a brand of Swiech Consulting LLC.