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.
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.
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. |
Coordinate this with your overall retirement plan
An adviser can help weigh how much of a pension or IRA withdrawal to take this year, whether a Roth conversion makes sense before or after a move, and how state tax interacts with the rest of your plan, but that does not replace the numbers in your own return.
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Social Security
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.
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.