Does Florida tax Social Security benefits?

This question was answered by Taylor, CPAI, Deduction’s AI tax accountant, and Deduction’s licensed CPAs.

Last updated:
Sep 2026

No. Florida does not tax Social Security benefits.

This is because Florida has no personal income tax at all, so Social Security benefits, and all other personal income, are not subject to Florida state income tax.

Florida’s Treatment of Social Security Benefits

Not taxable by Florida

  • Social Security retirement benefits
  • Social Security disability benefits (SSDI)
  • Social Security survivor benefits

Florida does not tax any of the above, regardless of:

  • Your age
  • Your income level
  • Your filing status

Why Florida Doesn’t Tax Social Security

  • Florida is one of the states with no state income tax
  • The Florida Constitution prohibits a personal income tax unless approved by voters

As a result:

  • There is no state return
  • There is no calculation or inclusion of Social Security income at the state level

Federal vs. Florida Taxation

Type of Tax Social Security Taxed?
Federal income tax Possibly (up to 85%, depending on income)

Even though Florida doesn’t tax Social Security, the federal government may.

Misconception to Avoid

Some states exempt Social Security while still taxing other income.

Florida goes further, it has no personal income tax whatsoever.

Summary

Florida does not tax Social Security benefits because the state has no personal income tax. Your Social Security benefits are 100% exempt from Florida state taxation.

Related Questions

Sources:

Florida Constitution, Article VII, Section 5 - Prohibition on personal income tax

Florida Department of Revenue - No individual income tax

IRS Publication 915, Social Security and Equivalent Railroad Retirement Benefits

The information provided does not, and is not intended to, constitute legal advice.

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