MISSISSIPPI INCOME TAX · TAX YEAR 2026
2026 Mississippi income tax calculator
Estimate Mississippi income tax under the 2026 rate of 4% above $10,000, plus federal income tax and take-home pay.
Your estimate
Mississippi take-home pay by salary
Take-home pay is wages minus Mississippi tax, federal income tax, Social Security and Medicare. Paychecks split the annual estimate evenly; your actual withholding depends on your W-4 and pay schedule.
| Salary | State tax | Take-home pay | Every two weeks |
|---|---|---|---|
| $50,000 | $1,268 | $41,087 | $1,580 |
| $75,000 | $2,268 | $59,325 | $2,282 |
| $100,000 | $3,268 | $75,912 | $2,920 |
| $150,000 | $5,268 | $108,523 | $4,174 |
| $200,000 | $7,268 | $141,659 | $5,448 |
Mississippi tax brackets for 2026
Mississippi taxes the first $10,000 of taxable income at 0% and the rest at 4% for 2026, down from 4.4% in 2025. House Bill 1 (2025) lowers the rate to 3.75% for 2027, 3.5% for 2028, 3.25% for 2029 and 3% for 2030.
| Rate | Taxable income |
|---|---|
| 0% | Up to $10,000 |
| 4% | Over $10,000 |
| Filing status | Standard deduction | Exemption |
|---|---|---|
| Single | $2,300 | $6,000 |
| Married filing jointly | $4,600 | $12,000 |
| Head of household | $3,400 | $8,000 |
| Married filing separately | $2,300 | $6,000 |
| Each dependent | — | $1,500 |
Mississippi income tax questions
Does Mississippi have a state income tax?
Yes. Mississippi taxes income at 4% for 2026 on taxable income above $10,000. The first $10,000 is taxed at 0%.
How much is Mississippi income tax on $100,000?
A single filer with $100,000 in wages and no other income, 401(k) contributions or dependents owes about $3,268.00 in Mississippi income tax for 2026, 3.27% of wages. After federal income tax, Social Security and Medicare, take-home pay is about $75,912.00, or $2,919.69 every two weeks.
What is the Mississippi standard deduction for 2026?
For 2026, the Mississippi standard deduction is $2,300 for single filers and married couples filing separately, $4,600 for married couples filing jointly, and $3,400 for heads of household. Personal exemptions are $6,000 for single filers and married couples filing separately, $12,000 for married couples filing jointly, and $8,000 for heads of household, plus $1,500 for each dependent. The child who qualifies you as head of family also counts as a dependent, so a head of family with one child deducts $9,500. Married couples filing separate returns split the $12,000 exemption. These amounts are unchanged from 2025.
Does Mississippi tax Social Security?
No. Mississippi does not tax Social Security benefits.
Mississippi Social Security tax rules
Does Mississippi tax retirement income?
No. Mississippi exempts pensions and 401(k) and IRA withdrawals in full once the plan's retirement age or service requirement is met, and taxes early distributions.
Mississippi retirement income tax for 2026
How does Mississippi tax capital gains?
As ordinary income. Mississippi has no separate capital gains rate, so gains above the $10,000 band at 0% are taxed at 4% for 2026. Long-term gains get lower federal rates than this calculator applies to other income, so use the capital gains tax calculator for the federal side.
How this calculator works
Mississippi doesn't start from federal AGI; it builds income from the lines on its own return, which leave out Social Security and exempt retirement income. For wages and other taxable income the result is the same, so the calculator subtracts the Mississippi standard deduction and exemptions, then taxes taxable income above $10,000 at 4%.
Married couples who both earn income can file a combined return that gives each spouse a $10,000 band at 0%. This estimate treats joint income as one spouse's, which can overstate tax by up to $400.
Worked example
A single filer with $75,000 in wages, no other income, no 401(k) contributions and no dependents has $66,700.00 of Mississippi taxable income and about $2,268.00 in Mississippi income tax, 3.02% of wages. After federal income tax of $7,670.00 and $5,737.50 in Social Security and Medicare, estimated take-home pay is $59,324.50, or $4,943.71 a month.
What this estimate excludes
The retirement income and Social Security exemptions, the extra exemptions for age 65 or blindness, itemized deductions, the child and dependent care credit, other credits and any local taxes.
Mississippi sources
- Mississippi DOR: 2026 rate, standard deductions and exemptions
- 2025 Form 80-100 instructions: head of family exemption, combined returns, House Bill 1 rate schedule and exempt retirement income
Federal tax uses IRS Revenue Procedure 2025-32. Read the full assumptions and sources.