Updated October 16, 2026. Quick answer: Florida does not tax 403(b) or 457(b) withdrawals at the state level: the Department of Revenue says “The State of Florida does not have a personal income tax”.
Florida at a glance
| Item | What the documents say |
|---|---|
| How the state treats 403(b) and 457(b) withdrawals | No state income tax |
| Do the state’s documents name these plans? | The documents read name neither 403(b) nor 457(b) plans |
| Retirement exclusion or credit | Not needed; there is no state income tax |
| Public-employee pension rule | Not applicable |
| Rate in the documents read | No state personal income tax |
| Changed for 2026? | The documents read describe no change |
What the Florida documents say
Florida’s Department of Revenue says the state has no personal income tax, and Article VII, Section 5 of the Florida Constitution, published by the Florida Senate, bars any state tax on the income of natural persons who are residents or citizens above the amounts allowed as a credit or deduction against any similar tax levied by the United States or any state. Neither document names 403(b) or 457(b) plans; the answer is that there is no state income tax to apply to them.
Federal income tax on the same withdrawals is a separate question, covered on CMG’s pages on the federal rules.
Withholding and federal tax
Whether a state withholds is a separate rule: see state withholding on retirement withdrawals. Federal rules: 403(b) withdrawal rules and 457(b) withdrawal rules. The IRS says pension and annuity payments from a qualified employer plan have “all or some portion of the amounts you receive may be taxable”.
What the documents do not say
- Neither Florida document names 403(b) or 457(b) plans.
Common mistakes
- Assuming Florida’s rule for a 401(k) or IRA also covers a 403(b) or 457(b): read whether its documents name the plan.
Related: whether Florida taxes 401(k) and IRA withdrawals, Florida retirement taxes, whether Florida taxes pensions, 403(b) withdrawal rules, 457(b) withdrawal rules, and state withholding on retirement withdrawals.
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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: https://www.flsenate.gov/Laws/Constitution
- IRS Tax Topic 410, Pensions and annuities: https://www.irs.gov/taxtopics/tc410
Sources: the primary documents linked above, read on October 16, 2026. General information, not tax advice. Your own facts decide the outcome, and a tax professional or the state agency itself is the right place to confirm anything consequential.