How Much Is Colorado State Income Tax in 2026?
Colorado taxes income at a flat 4.4% for 2026. The state uses your federal taxable income as its starting point, so there is no separate Colorado standard deduction. No city charges a percentage-based income tax.
State income tax
4.4% flat
On federal taxable income
Standard deduction
$0
Federal deduction already applied
Local income tax
None
Small occupational privilege tax only
$100k take-home
$75,488
Single filer
Quick Answer: 4.4% Flat on Federal Taxable Income
Colorado's flat 4.4% applies to every dollar of federal taxable income. A single filer earning $100,000 pays about $3,692 in Colorado income tax and takes home roughly $75,488 after federal tax, FICA, and state tax.
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How Colorado Taxes Your Income
- Flat 4.4% rate. All taxable income is taxed at the same rate.
- Starts from federal taxable income. Colorado conforms to the federal taxable income base, so the federal standard deduction is already reflected.
- No separate Colorado standard deduction. You do not subtract a state deduction again.
- Rate history. The rate was 4.55% until voters approved Proposition 121 in 2022; TABOR refunds have temporarily pushed it lower in some years.
Colorado Take-Home Pay by Income Level
| Gross | Federal | FICA | CO State | Take-Home |
|---|---|---|---|---|
| $50,000 | $3,820 | $3,825 | $1,492 | $40,863 |
| $75,000 | $7,670 | $5,738 | $2,592 | $59,001 |
| $100,000 | $13,170 | $7,650 | $3,692 | $75,488 |
| $150,000 | $24,734 | $11,475 | $5,892 | $107,899 |
| $200,000 | $36,734 | $14,339 | $8,092 | $140,835 |
Estimated Tax Breakdown
Local Taxes in Colorado
Unlike Ohio or Pennsylvania, Colorado has no municipal income taxes. A few cities, including Denver, charge a small occupational privilege tax of about $5.75 per month on people who work in the city — a flat fee, not an income percentage. Where Colorado does stand out is sales taxes: the state rate is 2.9%, but local add-ons push combined rates above 8% in many cities.
Retirement and Social Security
Social Security benefits are fully deductible for Coloradans 65 and older, and taxpayers 55 and older can subtract up to $20,000 ($24,000 for 65+) of pension and annuity income. These subtractions are not included in the calculator estimates above.
Frequently Asked Questions
What is the Colorado income tax rate in 2026?
A flat 4.4% on federal taxable income. Colorado has no separate brackets and no separate standard deduction.
Does Colorado have local or city income taxes?
Not in percentage terms. Denver and a few nearby cities levy a small occupational privilege tax (about $5.75/month in Denver), but no city charges a percentage-based income tax.
Does Colorado tax Social Security benefits?
For residents 65 and older, Social Security benefits are fully subtracted from Colorado taxable income.
How much is $100,000 after taxes in Colorado?
About $75,488 for a single filer.
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Sources
- Colorado Department of Revenue: 2026 income tax rate and federal conformity rules.
- Colorado Secretary of State: Proposition 121 rate reduction.
- IRS Revenue Procedure 2025-32 — 2026 federal brackets and FICA limits.
Figures are estimates for a single filer with no credits or itemized deductions.