Mississippi Income Tax Calculator 2026
See your Mississippi state tax, effective rate, and take-home pay in 60 seconds.
- This state uses a simplified estimate: a single rate schedule applied to gross income less the standard deduction and personal exemption. Local income taxes, mandatory state payroll contributions, retirement income exclusions, credits, and state-specific adjustments are not modeled.
Estimated federal and state take-home pay based on the information entered. Local taxes, state payroll programs, employer benefits, itemized deductions, tax credits, and special state adjustments may not be included. Tax year 2026. Mississippi figures last verified July 18, 2026 — see sources below.
Worked example: A single filer earning $85,000 in Mississippi
Start with $85,000 of wages. After $8,300 in modeled state deductions/exemptions, running it up Mississippi's brackets produces about $2,668 in state income tax — an effective state rate near 3.1%, with a 4% marginal rate. Federal income tax and FICA are calculated separately and shown in the calculator above.
Assumes a single filer taking the standard treatment. Figures are educational estimates.
How Mississippi taxes income
Mississippi uses a graduated income tax: your income is taxed in slices, with each slice taxed at a higher rate as you move up the brackets from 0% to 4%.
Mississippi generally starts from your federal income, applies state-specific adjustments and deductions, and then runs the result up the brackets. Credits and exemptions can change the final number — confirm the current details with the Mississippi Department of Revenue.
2026 rate structure
| Rate | Single — taxable income up to | MFJ — taxable income up to |
|---|---|---|
| 0.00% | $10,000 | $10,000 |
| 4.00% | and above | and above |
Retirement income & Social Security
Mississippi does not tax qualifying retirement income. Distributions from 401(k) plans, IRAs and pensions are exempt once you have met the plan's retirement requirements, and Social Security is fully exempt. Early or nonqualifying distributions may be taxable. Verify with the Mississippi Department of Revenue.
Local taxes & reciprocity
Mississippi has no local or city income tax — only the state income tax applies to wages.
Reciprocity: Mississippi has no income tax reciprocity agreements. If you work across state lines, you generally file a non-resident return where you work and claim a credit to avoid double taxation.
Notable deductions, credits & other taxes
Deductions & credits
- Mississippi standard deduction (about $2,300 single / $4,600 MFJ in this model — verify current amounts)
- Credit for income taxes paid to other states (for residents with out-of-state income)
- State versions of common credits — earned income, child/dependent care, and education credits — where offered
Capital gains: Mississippi has no separate capital gains rate. Capital gains included in your federal AGI are taxed as ordinary income at Mississippi's graduated rates.
Property tax: Property taxes in Mississippi are assessed and collected locally, so effective rates vary widely by county and municipality. Check your county assessor or the Mississippi Department of Revenue for local rates.
Mississippi vs. neighboring states
Compared with its neighbors — Alabama, Arkansas, Louisiana, Tennessee — Mississippi's graduated rates up to 4% sit within the regional range. Effective rates depend heavily on income level, deductions, and local taxes. Note that Tennessee has no income tax at all, which can matter for people living or working near the border.
Mississippi state tax FAQs
What is the Mississippi state income tax rate for 2026?
Mississippi uses graduated brackets ranging from 0% to 4%, with higher rates applying only to income above each threshold.
Does Mississippi tax retirement income or Social Security?
Social Security benefits are exempt from Mississippi income tax. Treatment of other retirement income depends on the plan type, your age, and whether the distribution is qualifying — many states exempt some or all of it for retirees. This calculator does not model those exclusions, so verify with the Mississippi Department of Revenue rather than assuming your distributions are fully taxable.
How are capital gains taxed in Mississippi?
Mississippi has no separate capital gains rate. Capital gains included in your federal AGI are taxed as ordinary income at Mississippi's graduated rates.
Is there a local or city income tax in Mississippi?
Mississippi has no local or city income tax — only the state income tax applies to wages.
Does Mississippi have tax reciprocity with neighboring states?
Mississippi has no income tax reciprocity agreements. If you work across state lines, you generally file a non-resident return where you work and claim a credit to avoid being taxed twice.
Sources & verification
Last verified July 18, 2026.