Retirement taxes by state
How Oklahoma taxes retirement income in 2026
Oklahoma's income tax rates run from 2.5% to 4.5%. Here's how Oklahoma 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 $259 in Oklahoma income tax.
Updated October 2026 · 2026 tax year
Oklahoma at a glance
- Income tax from 2.5% to 4.5%.
- Social Security isn't taxed.
- Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $10,000 per person excluded.
Oklahoma retirement tax questions
Does Oklahoma tax Social Security?
No. Social Security isn't taxed.
Does Oklahoma tax 401(k) and IRA withdrawals?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $10,000 per person excluded.
Does Oklahoma tax pensions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $10,000 per person excluded.
Does Oklahoma tax Roth conversions?
Partly. Retirement income (pensions, 401(k)s, IRAs, Roth conversions): up to $10,000 per person excluded. Anything above that is taxed like other income.
What is Oklahoma's income tax rate in 2026?
Oklahoma's income tax rates run from 2.5% to 4.5%.
What retirees actually pay in Oklahoma: 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, Oklahoma ranks 32nd lowest of the 50 states and DC.
| Household | Total income | Oklahoma 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 | $259 | 0.3% |
| Single retiree, 70 $30,000 of Social Security, a $25,000 pension and $15,000 of IRA withdrawals | $70,000 | $804 | 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 | $1,609 | 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.
Oklahoma income tax brackets (2026)
Rates apply to Oklahoma taxable income, after the state's deductions and the retirement breaks above.
| Single | Rate | Married filing jointly | Rate |
|---|---|---|---|
| Up to $3,750 | 0% | Up to $7,500 | 0% |
| $3,750 – $4,900 | 2.5% | $7,500 – $9,800 | 2.5% |
| $4,900 – $7,200 | 3.5% | $9,800 – $14,400 | 3.5% |
| Over $7,200 | 4.5% | Over $14,400 | 4.5% |
Details and limits
Three brackets from 2026 (HB 2764). $10,000 per person retirement exclusion.
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.