Mississippi Income Tax Calculator 2026
Estimate your 2026 Mississippi state and federal income tax. Includes Mississippi tax brackets, a worked dollar example, and filing tips.
Key Tax Facts: Mississippi
- Flat 4.7% rate in 2025, phasing down to 4.0% by 2026
- 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 has a flat income tax rate of 4.7% for 2024, reduced from 5% as part of a phased tax cut that will lower the rate to 4% by 2026. The state provides a standard deduction of $2,300 for single filers and $4,600 for married couples filing jointly, plus a personal exemption of $6,000 for single filers and $12,000 for married couples. Mississippi fully exempts Social Security income, most retirement income including public and private pensions, and military retirement pay from state income tax. Mississippi's relatively low cost of living and modest tax burden make it an attractive state for retirees on fixed incomes.
Mississippi Income Tax Rate (2026) projected
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 | 4.7% |
| Estimated State Tax | $3055.00 |
| Effective Rate | 4.7% |
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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 4.7%. This is separate from your federal income tax obligation.
What is the Mississippi income tax rate for 2026?
Mississippi uses a flat income tax rate of 4.7% 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 Mississippi state tax estimate?
This is a planning estimate. The state result uses Mississippi's published brackets but does not account for all state deductions, credits, exemptions, or local taxes. Verify with official Mississippi tax forms or a qualified tax professional.
Does this calculator include federal income tax?
Yes. The results show your estimated Mississippi state income tax and your federal income tax using 2026 federal brackets (projected until the IRS publishes official 2026 figures) -- your full combined picture in one place.
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 2026 state taxes due?
2026 taxes are generally filed in 2027. The Mississippi filing deadline is April 15, 2027, 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.