Does Mississippi tax pensions and retirement income?
Most retirement income not taxed
No. Mississippi generally does not tax retirement income, pensions and annuities once the plan's retirement requirements are met. Early distributions can be taxed.
In the state's own words
Copied word for word from the official document linked below each quote:
“Generally, retirement income, pensions and annuities are not subject to Mississippi Income tax if the recipient has met the retirement plan requirements.”
“Early distributions are not considered retirement income and may be subject to tax.”
And Social Security?
No. Mississippi does not tax Social Security. The Mississippi Social Security page quotes the rule.
Federal tax still applies
Whatever Mississippi 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 Mississippi 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.
- Individual Income Tax Frequently Asked QuestionsMississippi Department of Revenue. Read on November 12, 2026.