Every Mississippi income tax bracket for 2026, exactly as published — with the standard deduction, the exemption credit, and a tool that finds your bracket and shows the tax slice by slice.
| Rate | Taxable income over | Up to | Cumulative tax at top of band |
|---|---|---|---|
| 0% | $0 | $10,000 | $0 |
| 4% | $10,000 | and above | — |
Brackets apply to taxable income — gross income minus the standard deduction. Both tables are printed in full on this page; the tabs only choose which you look at first.
Enter your Mississippi taxable income (after the standard deduction). Your bracket lights up in the table above, and your tax is broken into its slices.
Slide to explore — or type an exact amount; typing is never limited by the slider.
Figure A The bracket staircase
The staircase: each step is one bracket. The tax climbs only inside the step you are standing on — moving into a higher bracket never taxes your earlier income at the higher rate.
| Taxable income (single) | Mississippi tax | Effective rate | Top (marginal) rate |
|---|---|---|---|
| $50,000 | $1,600 | 3.2% | 4% |
| $75,000 | $2,600 | 3.5% | 4% |
| $100,000 | $3,600 | 3.6% | 4% |
| $150,000 | $5,600 | 3.7% | 4% |
Figure B How the $100,000 tax is built — slice by slice
$10,000 at 0% = $0 · $90,000 at 4% = $3,600. Effective rate 3.6%; the top slice is taxed at 4%.
The rate on taxable income over $10,000 falls to 4.00% for 2026, down from 4.4% in 2025 — the scheduled step under the Tax Freedom Act phase-down, continued by House Bill 1 of 2025 (the Build Up Mississippi Act). House Bill 1 of 2025 puts the tax on a longer elimination path: the rate is scheduled to fall to 3.75% in 2027 and then by 0.25 points a year to 3% by 2030, with further revenue-triggered reductions toward elimination after that.
The state-specific rules behind the numbers above — the things a generic calculator gets wrong about Mississippi.
Mississippi's individual income tax is now effectively a single rate with a large zero band: 0% on the first $10,000 of taxable income and 4.00% on everything above it for 2026. The single standard deduction is $2,300 and the personal exemption is $6,000, both applied before that calculation.
Source: Tax Foundation 2026 state income tax data (Mississippi [10000, 0%], [over, 4.00%], $2,300 standard deduction, $6,000 personal exemption)
Mississippi exempts Social Security benefits entirely, and it also exempts qualified retirement income — distributions from pensions, 401(k)s, 403(b)s and IRAs taken in accordance with the plan's retirement terms, including military retirement. Early distributions taken before meeting the plan's retirement requirements do not qualify and remain taxable. For a retiree whose income is Social Security plus qualified plan distributions, Mississippi income tax can be zero even before the rate cuts are considered.
Source: Mississippi Department of Revenue individual income tax guidance; Miss. Code § 27-7-15 retirement income exclusion
Mississippi has been cutting its income tax in steps: the rate above $10,000 was 4.4% in 2025 and falls to 4.00% for 2026. House Bill 1 of 2025, the Build Up Mississippi Act, continues the schedule — 3.75% in 2027, then reductions of 0.25 points a year reaching 3% by 2030, with additional growth-triggered cuts toward full elimination after that.
Source: Mississippi House Bill 1 (2025), Build Up Mississippi Act; Mississippi Department of Revenue rate schedule
For 2026 the first $10,000 of Mississippi taxable income is taxed at 0%, and everything above $10,000 is taxed at a flat 4.00%. There are no higher brackets — once you are over $10,000, every additional dollar pays the same 4.00%.
On $75,000 as a single filer, this calculator estimates Mississippi tax of $2,268 and take-home of $59,325, after federal tax of $7,670 and FICA of $5,738. Mississippi's $2,300 standard deduction and $6,000 personal exemption come off before the 0% / 4.00% calculation.
No — and Mississippi goes further than most states. Social Security is fully exempt, and qualified retirement income is also exempt: pensions, 401(k) and 403(b) distributions and IRA withdrawals taken as normal retirement distributions under the plan's terms escape Mississippi tax. Early distributions that do not meet the plan's retirement requirements are the main exception and are taxable.
It is on a legislated path to zero. The rate was 4.4% in 2025, falls to 4.00% in 2026 and 3.75% in 2027, then steps down toward 3% by 2030 under House Bill 1 of 2025, with further reductions tied to revenue growth triggers after that until the individual income tax is eliminated.
For a single filer the standard deduction is $2,300 and the personal exemption is $6,000, so $8,300 is sheltered by those two items alone — on top of the separate rule that the first $10,000 of taxable income is taxed at 0%.
No. No Mississippi city or county levies a local income tax, so the state calculation — 0% on the first $10,000 of taxable income and 4.00% above it — is the whole Mississippi income tax picture wherever in the state you live.
Mississippi income tax brackets for 2026 in full: every rate and threshold for single and joint filers, the $2,300 standard deduction, worked examples and a find-your-bracket tool.
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Every Mississippi income tax bracket for 2026, printed in full exactly as published: single and married-filing-jointly tables, the standard deduction, worked examples on taxable income, and a find-your-bracket tool that lights up your band and builds your tax slice by slice. Rates checked 31 October 2026; all figures are for the 2026 tax year.
On $100,000 of taxable income in Mississippi (single filer, 2026), the slice-by-slice tax is $3,600.00 — the top slice is taxed at 4%, but the effective rate on the whole $100,000 is far lower because the early slices are taxed at the bottom rates. A $100,000 salary is not $100,000 of taxable income: the $2,300 standard deduction comes off first, which is what the companion income calculator works through.
Mississippi taxes income in 2 bands from 0% to 4%. The standard deduction is $2,300.00 for a single filer. The tables are the state’s official 2026 schedules (sources printed on the page); cumulative tax at the top of each band is computed slice by slice from those rates. The federal comparison figures use IRS Rev. Proc. 2025-32.
For 2026 the first $10,000 of Mississippi taxable income is taxed at 0%, and everything above $10,000 is taxed at a flat 4.00%. There are no higher brackets — once you are over $10,000, every additional dollar pays the same 4.00%.
On $75,000 as a single filer, this calculator estimates Mississippi tax of $2,268 and take-home of $59,325, after federal tax of $7,670 and FICA of $5,738. Mississippi's $2,300 standard deduction and $6,000 personal exemption come off before the 0% / 4.00% calculation.
No — and Mississippi goes further than most states. Social Security is fully exempt, and qualified retirement income is also exempt: pensions, 401(k) and 403(b) distributions and IRA withdrawals taken as normal retirement distributions under the plan's terms escape Mississippi tax. Early distributions that do not meet the plan's retirement requirements are the main exception and are taxable.
It is on a legislated path to zero. The rate was 4.4% in 2025, falls to 4.00% in 2026 and 3.75% in 2027, then steps down toward 3% by 2030 under House Bill 1 of 2025, with further reductions tied to revenue growth triggers after that until the individual income tax is eliminated.
For a single filer the standard deduction is $2,300 and the personal exemption is $6,000, so $8,300 is sheltered by those two items alone — on top of the separate rule that the first $10,000 of taxable income is taxed at 0%.
No. No Mississippi city or county levies a local income tax, so the state calculation — 0% on the first $10,000 of taxable income and 4.00% above it — is the whole Mississippi income tax picture wherever in the state you live.
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