Every Oklahoma 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 | $3,750 | $0 |
| 2.5% | $3,750 | $4,900 | $29 |
| 3.5% | $4,900 | $7,200 | $109 |
| 4.5% | $7,200 | 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 Oklahoma taxable income (after the standard deduction). Your bracket lights up in the table above, and your tax is broken into its slices.
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) | Oklahoma tax | Effective rate | Top (marginal) rate |
|---|---|---|---|
| $50,000 | $2,035 | 4.1% | 4.5% |
| $75,000 | $3,160 | 4.2% | 4.5% |
| $100,000 | $4,285 | 4.3% | 4.5% |
| $150,000 | $6,535 | 4.4% | 4.5% |
Major restructure for 2026 under House Bill 2764 (2025): Oklahoma consolidates its six individual brackets (0.25% to 4.75%) into three brackets plus a 0% band, and cuts the top rate from 4.75% to 4.50%. The law also provides for further automatic 0.25-point rate reductions in later years if state revenue benchmarks certified by the State Board of Equalization are met — Oklahoma Tax Commission, Summary of 2025 Tax Legislation (HB 2764).
The state-specific rules behind the numbers above — the things a generic calculator gets wrong about Oklahoma.
For 2026, House Bill 2764 consolidates Oklahoma's six old brackets into three, plus a zero band: for a single filer, 0% on taxable income up to $3,750, 2.50% from $3,750 to $4,900, 3.50% from $4,900 to $7,200, and 4.50% above $7,200. The top rate falls from 4.75% to 4.50%, and thresholds for joint filers are roughly doubled. Because the top rate starts at only $7,200 of taxable income, most working Oklahomans pay 4.50% on the bulk of their taxable income.
Source: Oklahoma Tax Commission, Summary of 2025 Tax Legislation (HB 2764); Tax Foundation, State Individual Income Tax Rates and Brackets, 2026
HB 2764 builds in a ratchet: in later years the bracket rates can fall by a further 0.25 percentage point at a time if specified state revenue benchmarks are met, as certified by the State Board of Equalization each December. Those future cuts are conditional, not scheduled — the rate that applies for 2026 is 4.50% at the top.
Source: Oklahoma Tax Commission, Summary of 2025 Tax Legislation (HB 2764)
Oklahoma's standard deduction is $6,350 for a single filer — less than half the federal standard deduction — with a $1,000 personal exemption. A small state standard deduction combined with a top bracket starting at $7,200 means Oklahoma tax applies to more of a paycheck, sooner, than the headline rates imply.
Source: Tax Foundation, State Individual Income Tax Rates and Brackets, 2026
Oklahoma fully exempts Social Security benefits. For other retirement income, each individual may exclude up to $10,000 of qualifying retirement income — government pensions and distributions from private qualified plans, including 401(k) and IRA distributions — so a couple where both spouses have qualifying income can exclude up to $20,000 combined. Amounts above the exclusion are taxable, while military retirement pay is 100% exempt on its own rule.
Source: Oklahoma Tax Commission, Form 511 instructions; 68 O.S. 2358
Yes — it was rebuilt. For 2026 Oklahoma has a 0% band up to $3,750, then 2.50% to $4,900, 3.50% to $7,200 and 4.50% above $7,200 for single filers. That replaces the old six brackets that topped out at 4.75%, under House Bill 2764.
On $75,000 as a single filer, your Oklahoma state income tax is $2,830, federal income tax is $7,670 and FICA is $5,738, for total tax of $16,237 and take-home pay of $58,763. Because Oklahoma's top rate starts at just $7,200 of taxable income, most of a typical salary is taxed at the 4.50% top rate.
No. Social Security benefits are fully exempt from Oklahoma income tax, regardless of your income, to the extent they were included in federal income.
Each individual can exclude up to $10,000 of qualifying retirement income — government pensions and distributions from private qualified retirement plans — so a married couple can exclude up to $20,000 if both spouses have qualifying income. Retirement income above the exclusion is taxed at Oklahoma's normal rates. Military retirement pay is separately 100% exempt.
Oklahoma's standard deduction for a single filer is $6,350 in 2026, well below the federal standard deduction, and the personal exemption is $1,000. The small standard deduction plus a top bracket that starts at $7,200 of taxable income is why Oklahoma tax bites earlier than its 4.50% top rate suggests.
No. No Oklahoma city or county levies an income tax — Oklahoma City, Tulsa and other cities raise local revenue through sales taxes instead. The only income taxes on an Oklahoma paycheck are federal, FICA and the Oklahoma state tax.
Oklahoma income tax brackets for 2026 in full: every rate and threshold for single and joint filers, the $6,350 standard deduction, worked examples and a find-your-bracket tool.
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Every Oklahoma 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 Oklahoma (single filer, 2026), the slice-by-slice tax is $4,285.25 — the top slice is taxed at 4.5%, 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 $6,350 standard deduction comes off first, which is what the companion income calculator works through.
Oklahoma taxes income in 4 bands from 0% to 4.5%. The standard deduction is $6,350.00 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.
Yes — it was rebuilt. For 2026 Oklahoma has a 0% band up to $3,750, then 2.50% to $4,900, 3.50% to $7,200 and 4.50% above $7,200 for single filers. That replaces the old six brackets that topped out at 4.75%, under House Bill 2764.
On $75,000 as a single filer, your Oklahoma state income tax is $2,830, federal income tax is $7,670 and FICA is $5,738, for total tax of $16,237 and take-home pay of $58,763. Because Oklahoma's top rate starts at just $7,200 of taxable income, most of a typical salary is taxed at the 4.50% top rate.
No. Social Security benefits are fully exempt from Oklahoma income tax, regardless of your income, to the extent they were included in federal income.
Each individual can exclude up to $10,000 of qualifying retirement income — government pensions and distributions from private qualified retirement plans — so a married couple can exclude up to $20,000 if both spouses have qualifying income. Retirement income above the exclusion is taxed at Oklahoma's normal rates. Military retirement pay is separately 100% exempt.
Oklahoma's standard deduction for a single filer is $6,350 in 2026, well below the federal standard deduction, and the personal exemption is $1,000. The small standard deduction plus a top bracket that starts at $7,200 of taxable income is why Oklahoma tax bites earlier than its 4.50% top rate suggests.
No. No Oklahoma city or county levies an income tax — Oklahoma City, Tulsa and other cities raise local revenue through sales taxes instead. The only income taxes on an Oklahoma paycheck are federal, FICA and the Oklahoma state tax.
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