Mississippi retirement taxes in 2026: what retirees pay

Mississippi has a graduated income tax, but most of what retirees live on falls outside it. Social Security benefits aren't taxed here. Neither is income from pensions or retirement accounts. For many households, that means the main sources of retirement income go untouched at the state level. The brackets still matter for other kinds of income, like wages from part-time work or earnings outside retirement accounts. The figures below show how those pieces fit together.

Mississippi retirement taxes at a glance (2026)

Mississippi income tax rates for 2026

Single filers 1:

Married couples filing jointly 1:

Already in law for 2027: 2 brackets from 0% to 3.75% 1.

How Mississippi treats retirement income

Mississippi does not tax pension or retirement-account income. 1

What three retirees would pay in Mississippi

These are estimates from Monte Climb's planner on 2026 law, for three example households. They start, as the app does, from federal taxable income: the 2026 standard deduction plus the extra amount at 65 3, the taxable part of Social Security 4 and the senior deduction 5. Those federal deductions are already taken off, and most states allow less of their own, so Mississippi's real bill can be higher than shown.

• A single retiree, 67 with $54,000 of income would owe about $0 to Mississippi, after $30,000 of retirement income is excluded and $11,300 of taxable Social Security is left out.
• A married couple, both 67 with $106,000 of income would owe about $0 to Mississippi, after $60,000 of retirement income is excluded and $35,700 of taxable Social Security is left out.
• A married couple, both 62, before Social Security with $76,000 of income would owe about $0 to Mississippi, after $70,000 of retirement income is excluded.

The same couple next door

The married couple, both 67, with $106,000 of income, in Mississippi and the states around it:

Every figure here starts from federal taxable income, as above, so a state whose own deductions are smaller can tax more than shown.

What these estimates leave out

• Mississippi's own standard deduction, exemptions and credits: the estimate starts from federal taxable income instead, which takes off the larger federal deductions.
• City income taxes, and capital gains rules a state applies apart from its rate.
• Rules for military and public-employee pensions that some states treat separately.

What this means for your plan

Since Social Security, pensions and retirement-account withdrawals aren't taxed in Mississippi, your state bill in retirement may depend mostly on everything else you earn. That might be a part-time job, a side business or investments held outside retirement accounts. How much of your income falls into those categories will vary from one household to the next, and it can change from year to year. Monte Climb applies Mississippi's rules to your own mix of income, so you can see where the brackets come into play in your plan.

Sources

1. Mississippi income tax for 2026 (Monte Climb's audit grades it high)
2. Mississippi: a further official source for the 2026 tables
3. Rev. Proc. 2025-32 §4.14(1) and §4.14(3): the 2026 standard deduction and the additional amount at 65
4. IRC §86 and IRS Publication 915: how much of Social Security is taxable (thresholds set by statute, not indexed)
5. P.L. 119-21 (One Big Beautiful Bill Act) §70103: the $6,000 deduction for each person 65 or older, 2025–2028

Figures computed by code from Monte Climb's 2026 state tables (snapshot f024e17). An illustration, not tax advice.

Frequently asked questions

Does Mississippi tax Social Security?

In 2026, Social Security is not taxed in Mississippi.

What is Mississippi's income tax rate in 2026?

Mississippi has 2 brackets from 0% to 4% for 2026.

How much state tax would a retired couple pay in Mississippi?

A married couple, both 67, with $106,000 of Social Security, pension and IRA income would owe about $0 to Mississippi in 2026, by Monte Climb's estimate.