Clear Money Guide
What this state guide covers
A quick view of the questions, practical details and source notes below.
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Updated July 27, 2026. Quick answer (2026): Moving from Ohio to Mississippi in retirement, you stop paying Ohio income tax on retirement withdrawals. Four separate taxes change when you move — state income tax on withdrawals, state estate tax, state inheritance tax, and what probate costs your heirs. Most comparisons only price the first one.
Ohio vs Mississippi: every tax that changes
| What changes | Ohio (leaving) | Mississippi (arriving) |
|---|---|---|
| State income tax | $332 plus 2.75% of income over $26,050 for TY2026 (0% at or below $26,050); HB 96 budget signed June 30, 2025 completed the move to a flat rate | flat 4% for 2026 (final cut under prior schedule; HB 1 of 2025 continues: 3.75% in 2027, then -0.25%/yr to 3% by 2030, with growth triggers toward elimination). First $10,000 of taxable income exempt. |
| Social Security | Not taxed (deducted in computing Ohio adjusted gross income). | not taxed (fully exempt) |
| Pension / 401(k) / IRA | Pensions, 401(k) and IRA withdrawals taxable. | Exempt in total: retirement income from federal, state, and private retirement systems, including pensions and annuities. Early or excess distributions (federal Form 5329) are taxable, as are deferred compensation distributions received before retirement age or service requirements are met. |
| Estate tax | none (repealed effective 1/1/2013) | none |
| Inheritance tax | none | none |
| Probate fee model | hybrid | reasonable-fee |
| Probate filing fee | Ohio Rev. Code §2101.16 sets statutory probate court fees, for example $15 to probate a will and $60 for an order relieving an estate from administration. A probate court may also require, by rule, an advance deposit of up to $125 when an executor or administrator is appointed or a will is presented for probate. | varies by county |
| Small-estate limit | Release from administration: assets ≤$35,000, or ≤$100,000 when everything passes to the surviving spouse (ORC §2113.03); summary release from administration for very small estates, where the assets do not exceed the lesser of $5,000 or the decedent’s funeral and burial expenses when a non-spouse who paid for the funeral applies, with separate limits when the surviving spouse applies (ORC §2113.031). Verified on codes.ohio.gov. | $75,000 (net of liens/encumbrances) — successor’s affidavit for personal property, Miss. Code §91-7-322 (raised from $50,000 in 2020); 30-day wait. Bank-account affidavit and muniment-of-title procedures also exist for narrow cases. |
Every cell is quoted from our statute-cited 51-jurisdiction dataset. Download the full dataset as CSV.
1. What changes on your annual tax bill
Ohio taxes retirement withdrawals: Pensions, 401(k) and IRA withdrawals taxable. Mississippi does not. On a $100,000 annual withdrawal, the Ohio bill is whatever its $332 plus 2.75% of income over $26,050 for TY2026 (0% at or below $26,050) schedule produces; in Mississippi it is $0. Social Security is treated as follows — Ohio: Not taxed (deducted in computing Ohio adjusted gross income). Mississippi: not taxed (fully exempt)
2. What changes at death: state estate tax
Neither state levies an estate tax. Ohio: none (repealed effective 1/1/2013) Mississippi: none Only the federal estate tax applies.
3. What changes at death: state inheritance tax
Neither state levies an inheritance tax. Ohio: none Mississippi: none
Price the move against the rest of your money
A state-to-state comparison shows you which taxes change, not what to do about the accounts, the house and the timing sitting behind them, and an adviser can look at those together before a move is set in motion.
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4. The one nobody prices: what probate costs your heirs
Ohio uses a hybrid fee model (Executor/administrator commissions are statutory (ORC §2113.35): 4% of first $100,000; 3% of $100,000-$400,000; 2% above $400,000 (personal property + real property sold); plus 1% of unsold real property and 1% of certain non-probate property. Attorney fees are reasonable (court-approved, often guided by local probate court rules). Verified on codes.ohio.gov.); Mississippi uses a reasonable-fee model (Court’s discretion: ‘such sum as the court deems proper’ considering estate value/worth and difficulty of duties, plus necessary expenses including a reasonable attorney’s fee (Miss. Code §91-7-299). The old 1%-7% statutory guideline was removed by amendment; no percentage schedule today.). Filing fees — Ohio: Ohio Rev. Code §2101.16 sets statutory probate court fees, for example $15 to probate a will and $60 for an order relieving an estate from administration. A probate court may also require, by rule, an advance deposit of up to $125 when an executor or administrator is appointed or a will is presented for probate. Mississippi: varies by county
Full detail: probate cost by state and small-estate limits by state.
Will Ohio still tax me after I move to Mississippi?
Not on your retirement withdrawals, once you genuinely change domicile — but that is a harder test than a change of address, and what you leave behind stays in reach.
- Domicile is a test, not a mailing address. A departing state can and does audit residency. Days present, voter registration, driver’s licence, where your doctors and advisers are, and where you keep what you value all count.
- A Roth conversion is taxed where you live in the year you convert. Sequencing a conversion after establishing the new domicile is often worth more than the annual saving — see how all 51 jurisdictions tax Roth conversions.
Full state detail
Every figure above is summarized. The complete statute-cited breakdown for each state: Ohio retirement taxes and Mississippi retirement taxes. To compare any other pair, start at the retirement tax relocation hub.
Talking this through
Relocation timing, Roth conversion sequencing and estate exposure interact, and the order you do them in changes the total. If you want a second opinion, understand what it should cost first — see our advisor cost guide. If a move is genuinely on the table, here is what to look for in an advisor who knows both Ohio and Mississippi.
Cite or share this comparison
Suggested citation: Clear Money Guide, “Ohio to Mississippi Retirement Taxes (2026),” statute-cited; clearmoneyguide.com/ohio-to-mississippi-retirement-taxes/. Free to cite with attribution. Download the full dataset as CSV, or contact contact@clearmoneyguide.com for custom cuts.
Figures verified against Ohio Rev. Code §§5747.02, 2113.03, 2113.031 and 2113.35 (codes.ohio.gov), the Ohio Legislature HB 96 page, the Mississippi Department of Revenue tax-rate page, 2025 HB 1 and Miss. Code 91-7-322 on September 30, 2026; the HB 96 signing date, the Ohio county probate filing range, Miss. Code 91-7-299, the pre-2020 small-estate limit, the Mississippi no-estate-tax statement and the Miss. Code 27-7-15(4)(k) citation were not re-checked.
Primary sources
- Ohio Rev. Code § 5747.02 (rates, as amended by Am. Sub. H.B. 96, 2025)
- R.C. 5747.055 (retirement income credit)
- Ohio Dept. of Taxation Retirement Income FAQ
- Miss. Code § 27-7-15(4)(k) (retirement income exclusion)
- HB 1 (2025), ‘Build Up Mississippi Act’
- Ohio Rev. Code §2113.35
- Ohio Rev. Code §2113.03
- Ohio Rev. Code §2113.031
- Miss. Code §91-7-299
- Miss. Code §91-7-322
Methodology: every figure is quoted from Clear Money Guide’s statute-cited 51-jurisdiction datasets, compiled from state statutes, session laws and revenue-department publications and adversarially verified in July 2026. Nothing here is personalized tax or legal advice. Confirm your own facts with a qualified adviser before you move.