Retirement taxes by state
How Utah taxes retirement income in 2026
Utah has a flat 4.45% income tax. Here's how Utah 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 $668 in Utah income tax.
Updated October 2026 · 2026 tax year
Utah at a glance
- Flat 4.45% income tax.
- Social Security is exempt with income up to $54,000 ($90,000 joint), phasing out above.
Utah retirement tax questions
Does Utah tax Social Security?
Social Security is exempt with income up to $54,000 ($90,000 joint), phasing out above.
Does Utah tax 401(k) and IRA withdrawals?
Yes, at the state's regular income tax rates. Utah has no special exclusion for retirement-account withdrawals.
Does Utah tax pensions?
Yes, at the state's regular income tax rates. Utah has no special pension exclusion.
Does Utah tax Roth conversions?
Yes. A Roth conversion counts as income in Utah in the year you convert, taxed at the state's regular rates. Qualified Roth withdrawals later aren't taxed.
What is Utah's income tax rate in 2026?
Utah has a flat 4.45% income tax.
What retirees actually pay in Utah: 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, Utah ranks 38th lowest of the 50 states and DC.
| Household | Total income | Utah 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 | $668 | 0.7% |
| Single retiree, 70 $30,000 of Social Security, a $25,000 pension and $15,000 of IRA withdrawals | $70,000 | $2,253 | 3.2% |
| 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 | $2,182 | 2.7% |
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
4.45% for 2026 (SB 60). The taxpayer credit (6% of the federal deduction, phased out above the threshold) stands in for a standard deduction. The Social Security credit is modelled as an exemption that phases out above $54k ($90k joint). The $450 retirement credit (born before 1953) isn't modelled.
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.