Does Ohio tax pensions and retirement income?
Taxed, with narrow exceptions
Yes. Ohio usually taxes retirement income other than Social Security and certain railroad and military benefits, though you may qualify for its retirement income credit.
In the state's own words
Copied word for word from the official document linked below each quote:
“Other retirement income included in your Ohio adjusted gross income is usually taxed by Ohio, but you may qualify for credits like Ohio's retirement income credit or the lump sum retirement credit.”
And Social Security?
No. Social Security is deducted on the Ohio Schedule of Adjustments and is not taxed by Ohio. The Ohio Social Security page quotes the rule.
Federal tax still applies
Whatever Ohio 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 Ohio Department of Taxation 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.
- Senior Citizens and Ohio Income TaxesOhio Department of Taxation. Read on November 12, 2026.