Updated September 4, 2026. Quick answer: No. Florida has no individual income tax of any kind, so it does not tax pensions, 401(k)/IRA withdrawals, Social Security, or any other form of retirement income.
Read box by box from the IRS form text: Form 1099-R boxes 14 to 19.
Inherited an IRA? What the state’s own documents say about taxing those withdrawals: Florida tax on inherited IRA withdrawals.
Hold a 403(b) or 457(b)? What the state’s own documents say about taxing those withdrawals: does Florida tax 403(b) and 457(b) withdrawals.
Married, or planning for a spouse’s death? Whether the state is a community property state, from its own statutes: Is Florida a community property state?.
The Tampa Firefighters and Police Officers Pension Fund rules, from the Fund’s own documents: Tampa fire and police pension decisions.
The Jacksonville Police and Fire Pension Fund rules, from the fund’s own documents: Jacksonville police and fire pension decisions.
Withdrawing from an IRA or 401(k)? Whether the state withholds tax from it, from its own documents: Florida tax withholding on IRA and 401(k) withdrawals.
The Tampa General Employees Retirement Fund options, DROP and survivor rules, from the Fund’s own sheets: Tampa general employees retirement decisions.
Taking money out of your TSP? How the state taxes it, from its own tax documents: Does Florida tax TSP withdrawals?.
A pension earned in another state, or paid after a move, is covered here: does Florida tax out-of-state pensions.
The Jacksonville general employees’ plan and the Miami police and fire trust, with lump sum, DROP and refund rules from their own documents: Jacksonville general employees pension decisions and Miami FIPO retirement decisions.
Trusts have their own page: does Florida tax trust income.
Inheriting from, or planning for, someone in this state? Whether the state has an inheritance tax, from its own tax documents: Does Florida have an inheritance tax?.
Dividends and interest have their own page: does Florida tax dividends and interest.
Contributing to an HSA? How the state taxes it, from its own tax documents: Does Florida tax HSA contributions?.
Annuity payments have their own page: does Florida tax annuity income.
Planning for what you leave behind? The state’s estate tax answer, from its own tax documents: Does Florida have an estate tax?.
Military retired pay has its own page: does Florida tax military retirement.
Saving for a child’s college? The state’s 529 break has its own page: Florida 529 plan tax deduction.
Selling stocks, funds or real estate has its own page: does Florida tax capital gains.
Withdrawals from a 401(k) or IRA have their own page: does Florida tax 401(k) and IRA withdrawals.
The Florida Retirement System’s Pension Plan and Investment Plan compared: FRS Investment Plan vs Pension Plan.
More on Florida: Florida Probate Filing Fee.
Related state retirement tax guides: Does Florida Tax Social Security? and Hawaii to Florida Retirement Taxes.
Confidence note: high. This page is scoped to pension, IRA and 401(k) taxation specifically. For the state’s full retirement-tax picture (Social Security, tax rates, estate and probate), see how Florida taxes retirement income generally.
The rule in the source’s own words. Florida Department of Revenue, GT-800025: “Florida does not impose personal income tax, inheritance tax, gift taxes, or tax on intangible personal property.” (source, read October 5, 2026). This page’s governing citation: Fla. Dept. of Revenue, GT-800025, “Tax Information for New Residents” (rev. 08/25).
How pensions and retirement-account withdrawals are taxed
| Public (state/local government) pensions | Not taxed: there is no state income tax to apply to it. |
|---|---|
| Private (employer) pensions | Not taxed, for the same reason. |
| Federal government pensions (FERS/CSRS) | Not taxed, for the same reason. |
| Military retirement pay | Not taxed, for the same reason. |
| IRA and 401(k)/403(b) distributions | Not taxed, for the same reason. |
| General retirement-income exclusion | Not applicable: there is no income tax to exclude retirement income from. |
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Social Security is not taxed either, for the same reason. Social Security has its own rules in every state; see the full breakdown in how Florida taxes retirement income generally.
Figures verified against Florida Department of Revenue GT-800025 (rev. 08/25) and Fla. Const. art. VII, sec. 5 on September 30, 2026.
Statute and sources
Governing citation: Fla. Dept. of Revenue, GT-800025, “Tax Information for New Residents” (rev. 08/25).
Read September 4, 2026.
Related: how Florida taxes retirement income generally · does Florida tax Roth conversions? · Roth conversion taxes, all 51 jurisdictions.
General information drawn from each state’s own published statutes and revenue-department guidance, not legal, tax or financial advice. Figures and exemption amounts are current as of the date in the quick answer, are set by state law, and can change by future legislation; any pending bill named on this page is not yet law. This page cannot see your own return, which governs. We are not a law firm, a tax adviser, or a fiduciary, and this is not personalized advice.