How Much Is Mississippi State Income Tax in 2026? 0%–4%

Quick Answer: Mississippi Income Tax at a Glance

Mississippi's income tax fell to 4% for 2026 and is scheduled to reach 3% by 2030 — with the first $10,000 of income untaxed. All retirement income is exempt. Estimate your 2026 take-home pay after federal tax, FICA, and Mississippi tax below.

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How Mississippi taxes your income in 2026

Mississippi charges 0% on the first $10,000 of taxable income and a flat 4% on everything above it. The 2025 tax law (HB 1) set a glide path from 4.4% to 4% in 2026, then 3.75%, 3.5%, 3.25%, and finally 3% by 2030. The standard deduction is modest — $2,300 for single filers and $4,600 for joint filers — but the $10,000 zero bracket shields far more income for most workers.

All retirement income is exempt

Mississippi is one of the most retirement-friendly states: Social Security, pensions, and IRA/401(k) distributions are all fully exempt from state income tax. Mississippi cities levy no local income taxes. The 2025 law also began cutting the state's 7% grocery tax — the highest state-level tax on food in the country — down toward 5%.

What this calculator includes (and excludes)

This estimate covers federal income tax, FICA, and Mississippi tax using the 2026 rate (4% above the $10,000 zero bracket) and standard deduction. It does not model retirement-income exemptions, itemized deductions, or credits. Figures are estimates for planning purposes, not tax advice.

Take-Home Pay by Income Level in Mississippi

The table below shows estimated annual take-home pay for a single filer with no credits or pre-tax contributions. It includes federal income tax, FICA, and Mississippi state income tax.

Gross Income	Federal Tax	FICA	MS State Tax	Take-Home Pay
$50,000	$3,820	$3,825	$1,508	$40,847
$75,000	$7,670	$5,738	$2,508	$59,085
$100,000	$13,170	$7,650	$3,508	$75,672
$150,000	$24,734	$11,475	$5,508	$108,283
$200,000	$36,734	$14,339	$7,508	$141,419

Estimated Tax Breakdown

Take-home $75,672

Federal

$13,170 13.2%

State

$3,508 3.5%

FICA

$7,650 7.6%

Net Pay

$75,672 75.7%

Frequently Asked Questions

What is the Mississippi income tax rate in 2026?

4% on taxable income above $10,000 (the first $10,000 is exempt). Under HB 1, the rate steps down to 3.75% in 2027, 3.5% in 2028, 3.25% in 2029, and 3% in 2030.

Does Mississippi have local income taxes?

No. Mississippi municipalities and counties do not impose income taxes. Only federal, FICA, and state tax reduce a Mississippi paycheck.

Does Mississippi tax Social Security or retirement income?

No — all retirement income is exempt: Social Security, pensions, 401(k) and IRA distributions. It's one of the most retirement-friendly tax codes in the country.

How much is $75,000 after taxes in Mississippi?

A single filer earning $75,000 pays roughly $2,508 in Mississippi income tax and takes home about $59,085 per year after federal tax, FICA, and state tax, based on this calculator's 2026 estimates. See the example table above for details.

Is Mississippi eliminating its income tax?

Not fully, but it's moving that way. The 2025 law schedules the rate down to 3% by 2030. Lawmakers debated full elimination; further cuts beyond 3% would require new legislation.