Does Florida tax pensions and retirement income?
No state income tax
No. Florida has no personal income tax, so pensions and other retirement income are not taxed by the state.
In the state's own words
Copied word for word from the official document linked below each quote:
“Florida does not impose a personal income tax, so there are no filing requirements.”
And Social Security?
No. Florida has no personal income tax, so Social Security is not taxed. The Florida Social Security page quotes the rule.
Federal tax still applies
Whatever Florida does, pensions, annuities and traditional IRA or 401(k) withdrawals are generally taxable on your federal return. See the federal tax brackets and, if you are 73 or older, the required minimum distribution calculator.
State rules change, and the details (age limits, income limits, which plans qualify) matter. Check with the Florida Department of Revenue before you file or move.
Other states in the same group
Check our work
The answer above comes from this document. Follow the link and compare.
- Do I have to file a personal income tax return in Florida?Florida Department of Revenue. Read on November 12, 2026.