Does Your State Tax Social Security? The 2026 List
Confused by Social Security?
Most states have stopped taxing Social Security, but about 10–12 states still do. If you live in one, you need to plan for it.
The Landscape for 2026
States like Colorado, Connecticut, Minnesota, and others still tax benefits based on income thresholds.
Income Thresholds Matter
Even in taxable states, many retirees are exempt if their AGI is low enough. Managing your AGI can eliminate state tax liability.
Living in a taxable state?
Let’s see if we can structure your income to avoid the state tax bite.
Should You Move?
Don’t move just for taxes. Often, optimizing income streams is cheaper than selling your home.
About Author
Ray R. Harris
Ray R. Harris, RSSA®, partners with tax and legal professionals to provide specialized Social Security claiming analysis for high-net-worth clients aged 58–70. A former executive with an MBA and background in Finance, Ray mitigates liability for his partners by ensuring their clients optimize spousal benefits, tax efficiency, and lifetime income.
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