Key Tax Facts: Mississippi
- Flat 4.4% rate for tax year 2025 on income above $10,000, phasing down further
- Retirement income from qualified plans is fully exempt
- Social Security benefits are exempt
- No tax on qualified distributions from retirement accounts
Mississippi State Income Tax Overview
Mississippi taxes income at a flat 4.4% for tax year 2025, applied only to taxable income above $10,000, so the first $10,000 is effectively untaxed. The rate came down from 4.7% under H.B. 531, which continues to phase the rate lower in future years toward eventual elimination, subject to revenue conditions. The standard deduction is $2,300 for single filers and $4,600 for married couples, and Mississippi offers a $6,000 personal exemption for single filers and $12,000 for joint filers. Mississippi does not tax qualified retirement income, including Social Security, pensions, IRA, and 401(k) distributions once you reach retirement age, making it one of the more retiree-friendly states.
Mississippi Income Tax Rate (2025)
Mississippi uses a flat income tax rate -- the same percentage applies to all taxable income regardless of how much you earn.
What a Mississippi Resident Actually Pays: A Worked Example
| Taxable Income | $65,000.00 |
| Mississippi Flat Rate | 4.4% |
| Estimated State Tax | $2860.00 |
| Effective Rate | 4.4% |
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Frequently Asked Questions -- Mississippi Income Tax
Does Mississippi have a state income tax?
Yes. Mississippi imposes a state income tax with a flat rate of 4.4%. This is separate from your federal income tax obligation.
What is the Mississippi income tax rate for 2025?
Mississippi uses a flat income tax rate of 4.4% on all taxable income, regardless of income level or filing status.
Do I have to file a Mississippi state tax return?
Most full-year Mississippi residents with income above the state filing threshold must file a state return. Check the Mississippi Department of Revenue for current thresholds and requirements.
How accurate is this estimate?
This is a planning estimate of your federal income tax only. It does not calculate Mississippi state tax, and it does not account for state deductions, credits, exemptions, or local taxes. Use the Mississippi rate schedule above as a reference, and verify with official Mississippi tax forms or a qualified tax professional.
Does this calculator include federal income tax?
Yes. The calculator estimates your 2025 federal income tax using the official IRS 2025 brackets. It does not compute your Mississippi state tax -- see the Mississippi rate schedule below to work that out.
Where can I find official Mississippi tax forms?
Official forms, instructions, and filing guidance are available at the Mississippi Department of Revenue.
What is the sales tax rate in Mississippi?
Mississippi's combined state and average local sales tax rate is 7.07%. This is separate from income tax and applies to most retail purchases -- use our sales tax calculator to check a specific purchase.
When are Mississippi 2025 state taxes due?
2025 taxes are generally filed in 2026. The Mississippi filing deadline is April 15, 2026, the same as the federal deadline.
Understanding Your Mississippi Tax Estimate
Your results combine two separate bills: federal tax owed to the IRS, and Mississippi state tax owed to the Mississippi Department of Revenue. The state return is filed separately from your federal Form 1040, with a state filing deadline of April 15. For the mechanics of how bracket math actually works -- why your effective rate is almost always lower than your top bracket -- see our marginal vs. effective tax rate guide.
Lowering Your Mississippi Bill
Pre-tax retirement contributions reduce your federal and Mississippi taxable income in the same move -- see our 401(k) contribution limits and HSA limits guides for the current caps. Beyond that, Mississippi-specific credits and deductions that don't exist at the federal level are listed at the Mississippi Department of Revenue -- worth checking, since these are easy to miss if you only look at federal guidance.
Combined Sales + Income Tax Picture
Mississippi's combined state-plus-average-local sales tax rate is 7.07%. If you're self-employed, that's an added layer on top of income tax -- our self-employment tax calculator covers the SE-specific piece separately.
Disclaimer: Estimates for educational purposes only. State tax results are approximations based on published bracket data and do not account for all deductions, credits, exemptions, local taxes, or individual situations. Not tax, legal, or financial advice. Consult the Mississippi Department of Revenue or a qualified tax professional for guidance specific to your situation.