Retirement taxes by state
How Arkansas taxes retirement income in 2026
Arkansas's income tax rates run from 2% to 3.7%. Here's how Arkansas treats Social Security, retirement-account withdrawals, pensions and Roth conversions in 2026 — and what that means in dollars: a retired couple, both 67, with $98,000 of income pays about $807 in Arkansas income tax.
Updated October 2026 · 2026 tax year
Arkansas at a glance
- Income tax from 2% to 3.7%.
- Social Security isn't taxed.
- Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $6,000 per person excluded from age 59½.
Arkansas retirement tax questions
Does Arkansas tax Social Security?
No. Social Security isn't taxed.
Does Arkansas tax 401(k) and IRA withdrawals?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $6,000 per person excluded from age 59½.
Does Arkansas tax pensions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $6,000 per person excluded from age 59½.
Does Arkansas tax Roth conversions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $6,000 per person excluded from age 59½. Anything above that is taxed like other income.
What is Arkansas's income tax rate in 2026?
Arkansas's income tax rates run from 2% to 3.7%.
What retirees actually pay in Arkansas: three examples
Calculated with Retirology's tax engine under 2026 law, using each state's standard deduction, its retirement breaks and the 2026 federal rules for how much Social Security is taxable. For the retired couple, Arkansas ranks 40th lowest of the 50 states and DC.
| Household | Total income | Arkansas tax | Share |
|---|---|---|---|
| Retired couple, both 67 $48,000 of Social Security, $40,000 drawn from IRAs and 401(k)s, and $10,000 of qualified dividends | $98,000 | $807 | 0.8% |
| Single retiree, 70 $30,000 of Social Security, a $25,000 pension and $15,000 of IRA withdrawals | $70,000 | $779 | 1.1% |
| Early-retired couple, both 56, converting to Roth A $60,000 Roth conversion and $20,000 of long-term gains and qualified dividends, living on savings | $80,000 | $2,361 | 3.0% |
State income tax only — before local taxes, property tax relief and credits not listed above. Federal income tax is extra and the same in every state.
Arkansas income tax brackets (2026)
Rates apply to Arkansas taxable income, after the state's deductions and the retirement breaks above. Brackets are adjusted for inflation each year.
| Single | Rate | Married filing jointly | Rate |
|---|---|---|---|
| Up to $5,500 | 0% | Up to $5,500 | 0% |
| $5,500 – $10,900 | 2% | $5,500 – $10,900 | 2% |
| $10,900 – $15,600 | 3% | $10,900 – $15,600 | 3% |
| $15,600 – $25,700 | 3.4% | $15,600 – $25,700 | 3.4% |
| Over $25,700 | 3.7% | Over $25,700 | 3.7% |
Details and limits
Top rate 3.7% from 2026 (May 2026 special session). Uses the table for net income up to $92,300; above that Arkansas taxes the low brackets slightly more.
Sources
Rates and rules for the 2026 tax year, from Retirology's state tax data (reviewed October 2026):
This page explains state tax rules in general terms. It isn't tax advice — check your state's official instructions or a tax professional for your situation.