How Much Is Oklahoma State Income Tax in 2026?
Oklahoma consolidated its six brackets into three and cut the top rate to 4.5% for 2026 — with the first $3,750 of income untaxed. No local income taxes, and Social Security is exempt. Estimate your 2026 take-home pay below.
State income tax
0%–4.5%
2026
Standard deduction
$6,350
Single filer
$100k take-home
$75,181
Single filer
$75k take-home
$58,718
Single filer
Quick Answer: Oklahoma Income Tax at a Glance
Oklahoma consolidated its six brackets into three and cut the top rate to 4.5% for 2026 — with the first $3,750 of income untaxed. No local income taxes, and Social Security is exempt. Estimate your 2026 take-home pay below.
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How Oklahoma taxes your income in 2026
HB 2764 simplified Oklahoma's income tax starting in 2026: 0% on the first $3,750 of taxable income, then 2.5%, 3.5%, and a top rate of 4.5% above $7,200 — down from 4.75%. Because the brackets top out so low, most full-time workers effectively pay close to a flat 4.5% on the bulk of their wages. The standard deduction is $6,350 for single filers and $12,700 for joint filers.
No local income taxes; retirement treated well
Oklahoma cities and counties levy no income taxes. Social Security benefits are fully exempt, and up to $10,000 per person of most retirement income (pensions, 401(k)/IRA distributions) is deductible. Oklahoma's combined state and local sales taxes, averaging around 9%, are the main offset — including a state sales tax on groceries that lawmakers have been moving to repeal.
What this calculator includes (and excludes)
This estimate covers federal income tax, FICA, and Oklahoma income tax using the 2026 consolidated brackets and standard deduction. It does not model the retirement-income deduction, itemized deductions, or credits. Figures are estimates for planning purposes, not tax advice.
Take-Home Pay by Income Level in Oklahoma
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 Oklahoma state income tax.
| Gross Income | Federal Tax | FICA | OK State Tax | Take-Home Pay |
|---|---|---|---|---|
| $50,000 | $3,820 | $3,825 | $1,750 | $40,606 |
| $75,000 | $7,670 | $5,738 | $2,875 | $58,718 |
| $100,000 | $13,170 | $7,650 | $4,000 | $75,181 |
| $150,000 | $24,734 | $11,475 | $6,250 | $107,542 |
| $200,000 | $36,734 | $14,339 | $8,500 | $140,428 |
Estimated Tax Breakdown
Frequently Asked Questions
What is the Oklahoma income tax rate in 2026?
Oklahoma consolidated six brackets into three effective 2026 (HB 2764): 2.5%, 3.5%, and a top rate of 4.5% on taxable income above $7,200, with the first $3,750 exempt. The top rate was 4.75% before.
Does Oklahoma have local income taxes?
No. Oklahoma municipalities and counties do not impose income taxes. Only federal, FICA, and state tax reduce an Oklahoma paycheck.
Does Oklahoma tax Social Security or retirement income?
Social Security is fully exempt. Oklahoma also lets each filer deduct up to $10,000 of other retirement income, such as pensions and IRA distributions.
How much is $75,000 after taxes in Oklahoma?
A single filer earning $75,000 pays roughly $2,875 in Oklahoma income tax and takes home about $58,718 per year after federal tax, FICA, and state tax, based on this calculator's 2026 estimates. See the example table above for details.
What changed for Oklahoma taxes in 2026?
HB 2764 cut the top rate from 4.75% to 4.5%, collapsed six brackets into three, and added a 0% bracket on the first $3,750 of taxable income — a tax cut for nearly every Oklahoma filer.
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Disclaimer: This guide is for informational purposes only and does not constitute tax, legal, or financial advice. Figures are estimates for a single filer with the 2026 standard deduction and no credits. Sources: IRS Revenue Procedure 2025-32 (federal brackets and deductions); SSA (FICA wage base); Oklahoma Department of Revenue and Tax Foundation (state rates and context). Consult a qualified tax professional for advice specific to your situation.