Oklahoma Income Tax Calculator 2026
See your Oklahoma state tax, effective rate, and take-home pay in 60 seconds.
Estimate only. Uses 2026 federal figures, Oklahomastate figures (see sources below), and a standard-deduction federal calculation. Filing status “Head of household” uses the single column for Oklahoma. Your actual tax depends on credits, additional income, and adjustments.
Worked example: A single filer earning $85,000 in Oklahoma
Start with $85,000 of wages. running it up Oklahoma's brackets produces about $3,849 in state income tax — an effective state rate near 4.5%, with a 4.75% 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 Oklahoma taxes income
Oklahoma 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 0.25% to 4.75%.
Oklahoma 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 Oklahoma Tax Commission.
2026 rate structure
| Rate | Single — taxable income up to | MFJ — taxable income up to |
|---|---|---|
| 0.25% | $1,000 | $2,000 |
| 0.75% | $2,500 | $5,000 |
| 1.75% | $3,750 | $7,500 |
| 2.75% | $4,900 | $9,800 |
| 3.75% | $7,200 | $14,400 |
| 4.75% | and above | and above |
Retirement income & Social Security
Oklahoma generally taxes retirement income such as 401(k), IRA, and pension distributions, though it may offer exclusions, deductions, or credits for certain pension or retirement income and for older taxpayers. Confirm the current exclusions with the Oklahoma Tax Commission.
Local taxes & reciprocity
Oklahoma has no local or city income tax — only the state income tax applies to wages.
Reciprocity: Oklahoma 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
- Oklahoma standard deduction and personal exemptions (verify current amounts with the Oklahoma Tax Commission)
- 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: Oklahoma has no separate capital gains rate. Capital gains included in your federal AGI are taxed as ordinary income at Oklahoma's graduated rates.
Property tax: Property taxes in Oklahoma are assessed and collected locally, so effective rates vary widely by county and municipality. Check your county assessor or the Oklahoma Tax Commission for local rates.
Oklahoma vs. neighboring states
Compared with its neighbors — Arkansas, Colorado, Kansas, Missouri — Oklahoma's graduated rates up to 4.75% sit within the regional range. Effective rates depend heavily on income level, deductions, and local taxes. Note that Texas has no income tax at all, which can matter for people living or working near the border.
Oklahoma state tax FAQs
What is the Oklahoma state income tax rate for 2026?
Oklahoma uses graduated brackets ranging from 0.25% to 4.75%, with higher rates applying only to income above each threshold.
Does Oklahoma tax retirement income or Social Security?
Social Security benefits are exempt from Oklahoma income tax. For other retirement income, Oklahoma generally taxes 401(k), IRA, and pension distributions, though exclusions may apply. Verify with the Oklahoma Tax Commission.
How are capital gains taxed in Oklahoma?
Oklahoma has no separate capital gains rate. Capital gains included in your federal AGI are taxed as ordinary income at Oklahoma's graduated rates.
Is there a local or city income tax in Oklahoma?
Oklahoma has no local or city income tax — only the state income tax applies to wages.
Does Oklahoma have tax reciprocity with neighboring states?
Oklahoma 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 June 12, 2026.