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West Virginia Retirement Income Tax Calculator

West Virginia taxes a portion of Social Security benefits.

West Virginia retirement income tax estimator

West Virginia taxes a portion of Social Security benefits.

West Virginia tax —
After state tax —
Effective state rate —

West Virginia at a glance

FigureWest VirginiaSource
Taxes Social Security?Yes (partially)[2]
Top marginal rate4.58%[2]
Taxes pension income?Generally yes[2]
Cost of living index87.9[1]

[2] [1] Sources

Top marginal income tax rate — all 50 states

West Virginia highlighted. Same data as the table below, shown as a distribution so the comparison is visible at a glance.

Top marginal income tax rate — all 50 states. West Virginia is 4.58%, ranked 25 of 50. The national median is 4.55%, the highest is 13.30% (California), and the lowest is 0.00% (Wyoming). CA 13.30% HI 11.00% NY 10.90% NJ 10.75% OR 9.90% MN 9.85% MA 9.00% VT 8.75% WI 7.65% ME 7.15% CT 6.99% DE 6.60% MD 6.50% RI 5.99% NM 5.90% VA 5.75% MT 5.65% KS 5.58% ID 5.30% SC 5.21% AL 5.00% GA 4.99% IL 4.95% MO 4.70% WV 4.58% NE 4.55% OK 4.50% UT 4.50% CO 4.40% MI 4.25% MS 4.00% NC 3.99% AR 3.90% IA 3.80% KY 3.50% PA 3.07% LA 3.00% IN 2.95% OH 2.75% AZ 2.50% ND 2.50% AK 0.00% FL 0.00% NV 0.00% NH 0.00% SD 0.00% TN 0.00% TX 0.00% WA 0.00% WY 0.00%

Highlighted: West Virginia, ranked 25 of 50. Median 4.55%.

West Virginia state tax by retirement income mix

Annual West Virginia tax on each combination of Social Security and other retirement income.

Social SecurityNo other income+$10,000 other+$20,000 other+$30,000 other+$45,000 other+$60,000 other+$80,000 other+$110,000 other
$9,000$350$808$1,266$1,724$2,411$3,098$4,014$5,388
$12,000$467$925$1,383$1,841$2,528$3,215$4,131$5,505
$15,000$584$1,042$1,500$1,958$2,645$3,332$4,248$5,622
$18,000$701$1,159$1,617$2,075$2,762$3,449$4,365$5,739
$21,000$818$1,276$1,734$2,192$2,879$3,566$4,482$5,856
$24,000$934$1,392$1,850$2,308$2,995$3,682$4,598$5,972
$27,000$1,051$1,509$1,967$2,425$3,112$3,799$4,715$6,089
$30,000$1,168$1,626$2,084$2,542$3,229$3,916$4,832$6,206
$33,000$1,285$1,743$2,201$2,659$3,346$4,033$4,949$6,323
$36,000$1,401$1,859$2,317$2,775$3,462$4,149$5,065$6,439
$39,000$1,518$1,976$2,434$2,892$3,579$4,266$5,182$6,556
$42,000$1,635$2,093$2,551$3,009$3,696$4,383$5,299$6,673
$45,000$1,752$2,210$2,668$3,126$3,813$4,500$5,416$6,790
$48,000$1,869$2,327$2,785$3,243$3,930$4,617$5,533$6,907
$54,000$2,102$2,560$3,018$3,476$4,163$4,850$5,766$7,140

Worked figures for West Virginia

West Virginia values:

ProfileGrossState TaxNetEffective
$18,000 SS + $0 pension + $5,000 401k$23,000$930$22,0704.04%
$24,000 SS + $0 pension + $10,000 401k$34,000$1,392$32,6084.10%
$24,000 SS + $12,000 pension + $10,000 401k$46,000$1,942$44,0584.22%
$30,000 SS + $20,000 pension + $15,000 401k$65,000$2,771$62,2294.26%
$30,000 SS + $30,000 pension + $20,000 401k$80,000$3,458$76,5424.32%
$36,000 SS + $40,000 pension + $25,000 401k$101,000$4,378$96,6224.34%
$42,000 SS + $50,000 pension + $40,000 401k$132,000$5,757$126,2434.36%
$48,000 SS + $60,000 pension + $50,000 401k$158,000$6,907$151,0934.37%

How West Virginia compares nationally

On top marginal income tax rate, West Virginia ranks #25 of 50 at 4.58% — essentially at the national median. The national range runs from 0.00% (Wyoming) to 13.30% (California).

RankStateTop marginal income tax rate
#23Illinois4.95%
#24Missouri4.70%
#25West Virginia4.58%
#26Nebraska4.55%
#27Oklahoma4.50%

Taxes Social Security benefitss, ranked

Same rule structure as West Virginia:

StateTop marginal income tax ratevs West Virginia
Minnesota9.85%+115.1%
Rhode Island5.99%+30.8%
New Mexico5.90%+28.8%
Montana5.65%+23.4%
West Virginia4.58%—
Colorado4.40%-3.9%

West Virginia questions, answered with West Virginia numbers

Does West Virginia tax Social Security?▾
Yes, West Virginia taxes a portion of Social Security benefits.
What would a $65,000 retirement income cost in West Virginia tax?▾
On $30,000 Social Security, $20,000 pension and $15,000 of 401(k) withdrawals, West Virginia would take about $2,771 — an effective state rate of 4.26%, leaving $62,229.
Is West Virginia a good state to retire in on taxes alone?▾
West Virginia's top marginal rate is 4.58% and its cost of living index is 87.9. Tax is only one input — housing at a $183,000 median matters at least as much.

Other taxes social security benefitss

Colorado Minnesota Montana New Mexico Rhode Island

Last reviewed 2026-08-27. West Virginia figures only — verify with the relevant West Virginia agency before acting. How this is calculated.