Retirement taxes by state
How Louisiana taxes retirement income in 2026
Louisiana has a flat 3% income tax. Here's how Louisiana 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 nothing in Louisiana income tax.
Updated October 2026 · 2026 tax year
Louisiana at a glance
- Flat 3% income tax.
- Social Security isn't taxed.
- Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $12,324 per person excluded from age 65.
Louisiana retirement tax questions
Does Louisiana tax Social Security?
No. Social Security isn't taxed.
Does Louisiana tax 401(k) and IRA withdrawals?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $12,324 per person excluded from age 65.
Does Louisiana tax pensions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $12,324 per person excluded from age 65.
Does Louisiana tax Roth conversions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $12,324 per person excluded from age 65. Anything above that is taxed like other income.
What is Louisiana's income tax rate in 2026?
Louisiana has a flat 3% income tax.
What retirees actually pay in Louisiana: 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. That couple would owe nothing in Louisiana — one of 24 states (counting DC) where they'd pay $0.
| Household | Total income | Louisiana 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 | $0 | 0.0% |
| Single retiree, 70 $30,000 of Social Security, a $25,000 pension and $15,000 of IRA withdrawals | $70,000 | $444 | 0.6% |
| 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 | $1,628 | 2.0% |
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.
Details and limits
$12,324 per person 65+ retirement exclusion (2026, indexed). Government pensions are fully exempt but aren't distinguished from private ones.
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.