Updated October 16, 2026. Quick answer: Kansas exempts retirement benefits only from listed plans, and the booklet names 403b and 457s only in its rule for “amounts received by nonresidents from 401k, 403b, 457s, IRAs, etc”.; the documents do not show a resident 403(b) or 457(b) withdrawal qualifying for a general exclusion.
More state retirement-income schedules, line by line: Kansas Schedule S.
Kansas at a glance
| Item | What the documents say |
|---|---|
| How the state treats 403(b) and 457(b) withdrawals | The documents read give no general exclusion for these plans |
| Do the state’s documents name these plans? | The documents read name 403b and 457s plans only in the nonresident rule, and never write 457(b) |
| Retirement exclusion or credit | Exemption for listed plans only (federal, railroad, KPERS, Kansas Teachers’ Retirement and others), with no dollar cap |
| Public-employee pension rule | Yes, listed public plans are exempt |
| Rate in the documents read | 5.2% and 5.58%, depending on income |
| Changed for 2026? | The documents read describe no 2026 change |
What the Kansas documents say
The Kansas booklet’s Schedule S instructions are headed “Retirement benefits specifically exempt from Kansas Income Tax”. The list includes “Kansas Highway Patrol pensions” and other named public plans, along with retirement annuity contracts bought for faculty and others at Regents or educational institutions through direct contributions or salary reduction plans.
For joint filers the statute prints “Over $46,000 $2,392 plus 5.58% of excess over $46,000”; the lower bracket rate is 5.2%.
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 that if you receive pension or annuity payments from a qualified employer retirement plan, “all or some portion of the amounts you receive may be taxable unless the payment is a qualified distribution from a designated Roth account”.
What the documents do not say
- The booklet’s only mention of 403b is the nonresident-income rule, which is not an exclusion for a Kansas resident.
- The booklet writes “457s” in the nonresident rule but never writes 457(b), and its list of exempt retirement plans names neither.
Common mistakes
- Assuming Kansas’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 Kansas taxes 401(k) and IRA withdrawals, Kansas retirement taxes, whether Kansas taxes pensions, 403(b) withdrawal rules, 457(b) withdrawal rules, and state withholding on retirement withdrawals.
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Answer againSources
- Kansas Individual Income Tax Booklet (Package XK) incl. K-40 and Schedule S instructions, Tax Year 2025: https://ksrevenue.gov/pdf/xk.pdf
- K.S.A. 79-32,110 Tax imposed; classes of taxpayers; schedules of tax rates: https://www.ksrevisor.gov/statutes/chapters/ch79/079_032_0110.html
- 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.