Updated October 4, 2026. Quick answer: No. Florida has no personal income tax, so the state does not tax 401(k) or IRA withdrawals. The Florida Department of Revenue says “The State of Florida does not have a personal income tax” (Federal tax on the withdrawal still applies.)
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.
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.
Taking money out of your TSP? How the state taxes it, from its own tax documents: Does Florida tax TSP withdrawals?.
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?.
Contributing to an HSA? How the state taxes it, from its own tax documents: Does Florida tax HSA contributions?.
What Florida does with 401(k) and IRA withdrawals
There is nothing to compute, so the state’s documents are short on this point. The federal return is where the withdrawal is taxed.
| Item | What the documents say |
|---|---|
| Treatment | Not taxed by the state: no personal income tax |
| State rate on a withdrawal | None |
| Source | Florida Department of Revenue |
A $40,000 withdrawal
A $40,000 withdrawal from a traditional 401(k) or IRA adds $0 of Florida income tax, because the state has no tax on that income. Your federal return still includes the withdrawal.
Conditions that decide the answer
- Article VII, Section 5 of the Florida Constitution deals with income tax on “income of natural persons who are residents or citizens of the state”.
What changes in 2026
No change for 2026 appears in the documents read for this page.
Federal rules
The state’s treatment sits on top of the federal one. The IRS explains the federal tax on these withdrawals in Publication 590-B, Distributions from Individual Retirement Arrangements and Publication 575, Pension and Annuity Income.
Related: whether Florida taxes pensions, how Florida taxes retirement income, whether Florida taxes Roth conversions, and the state-by-state table of 401(k) and IRA withdrawal tax.
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Answer againSources
- Report Tax Violations (Income Tax as Related to Child Support): https://floridarevenue.com/taxes/compliance/Pages/violations.aspx
- Florida Constitution, Article VII, Section 5: https://www.flsenate.gov/Laws/Constitution
Sources: the primary documents linked above, read on October 4, 2026. General information, not tax advice. Your own facts decide the outcome, and a preparer, the plan administrator or the agency itself is the right place to confirm anything consequential.