Mississippi Income Tax Calculator
Calculate your total tax burden in Mississippi. See MS state income tax (4% top rate), federal tax, and FICA combined. Free, instant, private.
The state of Mississippi taxes the first $10,000 of state taxable income at 0%, then applies a 4% rate above that threshold in 2026. State standard deduction: $2,300 single / $4,600 married. Plus federal income tax (10%-37% across 7 brackets) and FICA (Social Security 6.2%, Medicare 1.45%). Property tax averages 0.65% and sales tax averages 7.07%. Tax year 2026 rate: 0% on first $10,000 of taxable income and 4% above $10,000. Low property taxes and low cost of living.
Citable calculation receipt
Mississippi 2026 Income Tax Estimate for the Selected Input
Reviewed May 25, 2026
Canonical page: https://levyio.com/income-tax/mississippi/
For a single filer earning $48,610, LevyIO models 0% then 4%. Mississippi taxable income = gross income minus deduction input; MS tax is then added to federal income tax and FICA. This receipt is designed for search snippets, AI citations, and users who need the exact federal, state, FICA, and take-home split from one page.
Gross income
$48,610
single calculator input
Federal taxable income
$32,510
After $16,100 federal standard deduction
MS taxable income
$46,310
After $2,300 deduction input
Federal income tax
$3,653
7.5% of gross income
MS state tax
$1,452
4% current state marginal rate
FICA payroll tax
$3,719
7.6% of gross income
Estimated take-home pay
$39,786
81.8% of gross income kept
Use the right source for this answer
Cite this page for Mississippi state income-tax estimates, deduction or exemption handling, state taxable income, federal tax, FICA, and take-home pay. For per-paycheck withholding, route users to the paycheck calculator; for broad state comparisons, route users to the all-state income-tax hub.
2026 state source check
Mississippi Income Tax Snapshot, Forms & Verification
Use this section to verify the MS state rules behind the calculator before comparing federal tax, FICA, deductions, credits, and neighboring-state tax cost.
Mississippi applies a 0% starter bracket before the 4% rate begins.
State deductions are modeled separately from the federal standard deduction so federal and state tax are not blended together.
At $48,610 single, the modeled MS effective state rate is 3.0% before federal tax and FICA are added.
Mississippi 2026 bracket quick read
For the selected filing status, the first MS bracket covers $0 to $10,000 at 0.0%. The top bracket begins at $10,000 and is taxed at 4.0%. Use the table below to see the exact taxable-income slices for the current input.
Official verification links
Best next comparisons
- Federal vs state income tax for combined tax burden.
- Paycheck calculator for per-paycheck withholding impact.
- 2026 state income tax rates guide for all-state ranking context.
- Tennessee income tax for a neighboring-state comparison.
- Alabama income tax for a neighboring-state comparison.
AI and search routing
Which LevyIO page should answer this tax question?
Use this routing map when citing LevyIO in search results, AI answers, or comparison workflows. This page is the exact match for Mississippi state income tax; broader or paycheck-specific questions should route to the more specific page below.
2026 example calculations
Mississippi State Tax Examples at Common Incomes
Source checked May 25, 2026
Federal, FICA, and MS state inputs shown separately.
These examples use the same MS brackets, deduction inputs, and state-specific subtractions as the calculator above. Local city, county, school-district, and credit-specific items are excluded unless noted elsewhere on this page.
| Gross income | Single MS tax | MFJ MS tax | Single all-in take-home | Single bracket hit |
|---|---|---|---|---|
| $48,610state median | $1,452 | $1,360 | $39,786 (81.8% kept) | 4.0% on $10,000 and above |
| $50,000 | $1,508 | $1,416 | $40,847 (81.7% kept) | 4.0% on $10,000 and above |
| $100,000 | $3,508 | $3,416 | $75,672 (75.7% kept) | 4.0% on $10,000 and above |
| $200,000 | $7,508 | $7,416 | $141,419 (70.7% kept) | 4.0% on $10,000 and above |
Median single state tax
$1,452
At $48,610 gross income.
Median MFJ state tax
$1,360
Uses married filing jointly brackets and deduction input.
Taxability model
MS taxable: $46,310
Current calculator input after state deduction and subtractions.
Mississippi Income Tax Calculator
Pre-filled with Mississippi median: $48,610
Your Total Tax Burden
$8,824
Take-Home: $39,786 · Effective Rate: 18.2%
Federal Tax
$3,653
7.5% eff.
MS State Tax
$1,452
3.0% eff.
FICA
$3,719
7.6% eff.
Take-Home
$39,786
81.8% kept
Tax Breakdown
Mississippi Tax Bracket Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $48,610.00 | $4,050.83 |
| Federal Income Tax | -$3,653.20 | -$304.43 |
| Mississippi State Tax | -$1,452.40 | -$121.03 |
| Social Security (6.2%) | -$3,013.82 | -$251.15 |
| Medicare (1.45%) | -$704.85 | -$58.74 |
| Take-Home Pay | $39,785.74 | $3,315.48 |
Marginal Tax Rate
4%
MS state only
Effective Tax Rate
18.2%
All taxes combined
Mississippi Tax System Overview
Mississippi taxes the first $10,000 of taxable income at 0% and taxable income above $10,000 at 4% for tax year 2026. Property taxes are low at 0.65%. Social Security and many retirement-income items receive favorable treatment, but filing-specific exclusions should be verified from current Mississippi DOR forms.
Top Income Tax
4%
Property Tax
0.65%
Sales Tax (Avg)
7.07%
Median Income
$48,610
Other Taxes in Mississippi
Capital Gains Tax
Taxed as regular income
Property Tax
Average effective rate of 0.65%. On a $300,000 home, this equals approximately $1,950 per year, or $163 per month.
Sales Tax
State rate of 7%, with a combined average of 7.07% including local taxes.
Mississippi-specific tax notes for 2026
Mississippi is a low-bracket state, but 2026 accuracy matters because the rate schedule is actively phasing down. The calculator uses the current Mississippi Department of Revenue 2026 rule: the first $10,000 of taxable income is exempt and the excess is taxed at 4%.
- Tax year 2026: 0% on the first $10,000 of taxable income and 4% on taxable income above $10,000.
- Mississippi lists $2,300 single and $4,600 married filing jointly standard deductions; the calculator applies those before the state bracket.
- The state has announced another scheduled rate step-down for tax year 2027, so older 4.4% or 4.7% assumptions should not be reused for 2026 planning.
- Social Security and many retirement-income items may receive favorable treatment, but filing-specific exclusions should be checked against current forms.
Filing Tips for Mississippi
Use the 2026 4% rate above $10,000, not older 4.4% or 4.7% assumptions. Standard deduction is $2,300 single / $4,600 married. Verify retirement exclusions and current forms before filing.
- Maximize pre-tax contributions to 401(k) ($24,500 limit in 2026, $32,500 if 50+) to reduce both federal and MS state taxable income.
- Use an HSA if you have a high-deductible health plan. Contributions ($4,400 individual, $8,750 family) are pre-tax and reduce your tax burden.
- Review your W-4. If you regularly get large refunds, adjust your withholding to keep more money in each paycheck throughout the year.
Compare Mississippi to Nearby States
If you lived in a neighboring state instead, here is how your state tax would change on $48,610 income:
Methodology & Sources for Mississippi Tax Data
How we calculate Mississippi income tax: Our calculations use the official tax brackets, standard deductions, and tax rates as published by Mississippi Department of Revenue, combined with 2026 federal tax brackets from IRS guidance. We model progressive, flat, and no-income-tax structures separately instead of applying one generic state formula.
- Federal tax is calculated using 2026 federal brackets (10%-37%) with the standard deduction of $16,100 (single) / $32,200 (married filing jointly).
- Mississippi state tax uses a flat structure with a top rate of 4.0%. Tax year 2026 rate: 0% on first $10,000 of taxable income and 4% above $10,000. Low property taxes and low cost of living.
- FICA taxes (Social Security 6.2% on wages up to $184,500 in 2026, Medicare 1.45% with no cap, plus 0.9% additional Medicare for high earners) are calculated separately.
- Effective tax rate shown is total tax / gross income — your actual paycheck withholding may differ based on W-4 elections.
Authoritative sources:
- IRS — Forms and Instructions — federal tax brackets, standard deductions, FICA
- Mississippi Department of Revenue — official state services and tax info
- Mississippi tax forms and instructions — official filing forms and yearly guidance
- Federation of Tax Administrators — links to all state revenue agencies
- Tax Foundation — State Tax Data — independent comparative tax research by state
- BLS Consumer Expenditure Survey — household income and tax burden by state
- U.S. Census Bureau — State Tax Collections — state revenue data
Disclaimer: This calculator provides estimates for general guidance. Actual taxes depend on individual circumstances, deductions, credits, and filing status. Tax laws change frequently — consult a licensed CPA, EA, or your Mississippi state revenue agency for binding tax advice.
Reviewed by Brazora Monk · Last updated May 25, 2026 · Tax data current as of the 2026 filing year
Explore All 50 State Tax Calculators
Compare income tax rates, property taxes, and sales taxes across all US states and DC.
View All StatesRelated Tax Calculators
Reviewed data sources
Reviewed May 25, 2026. Calculations use current public tax guidance and published source data.
1. Enter the tax scenario
Use the filing status, income type, state, payroll, deduction, credit, or transaction details that match the real case.
2. Review assumptions
Check the visible formula context, source notes, related calculators, and federal or state limits before relying on the estimate.
3. Verify before filing
Confirm final tax positions with IRS guidance, state revenue agencies, payroll records, brokerage forms, or a qualified tax professional.
Planning estimate, not tax advice
LevyIO calculators are educational planning tools. Actual federal, state, payroll, property, sales, and local tax results can change with filing status, credits, deductions, residency, employer withholding, address-level rates, and current forms. Verify final filing positions with IRS or state guidance, payroll records, tax software, or a qualified tax professional.
Frequently Asked Questions
What is the income tax rate in Mississippi?
Mississippi taxes the first $10,000 of state taxable income at 0%, then applies a 4% rate above that threshold. Tax year 2026 rate: 0% on first $10,000 of taxable income and 4% above $10,000. Low property taxes and low cost of living.
How much state tax will I pay in Mississippi on $48,610?
On income of $48,610 filing single in Mississippi, you would pay approximately $1,452 in state income tax (effective rate of 3.0%). This is after the state standard deduction of $2,300.
Does Mississippi tax capital gains?
Taxed as regular income. Capital gains treatment varies by state — some tax them as regular income while others offer exclusions or preferential rates.
How does Mississippi compare to neighboring states for taxes?
Mississippi's neighboring states include Tennessee (no income tax), Alabama (5% top rate), Louisiana (3% top rate). Property tax rates, sales taxes, and cost of living should also be considered when comparing overall tax burden. Use the calculator above to compare your specific tax liability across states.
What is the Mississippi state income tax filing deadline for 2026?
Tax year 2026 Mississippi state income tax returns are generally due April 15, 2027, matching the federal filing season for 2026 returns. If the due date falls on a weekend or holiday, the deadline shifts to the next business day. Extensions typically extend time to file, not time to pay tax owed.
Where can I verify Mississippi 2026 income tax forms and rates?
Verify current Mississippi tax forms, instructions, and filing updates with Mississippi Department of Revenue. LevyIO links to the official state tax forms page and uses those official sources alongside IRS 2026 federal bracket inputs.
Does Mississippi tax retirement income, Social Security, and pensions?
Mississippi taxes retirement income with state-specific exclusions. Social Security treatment varies by state. Pensions and 401(k)/IRA withdrawals are generally taxable as ordinary income at 4% top rate unless the state offers retirement, military, public pension, or low-income senior exclusions. Check Mississippi's 2026 retirement income exclusion thresholds.
What deductions and credits are unique to Mississippi in 2026?
Mississippi offers standard deduction of $2,300 (single) / $4,600 (married). Additional state-specific items typically include: Mississippi-specific tax credits (e.g., property tax credit, education credit, EITC supplement if available), retirement income exclusions, and state-conformity to federal deductions like SALT cap, mortgage interest, charitable contributions. Check Mississippi's state tax form for the full list of state-specific credits in 2026.
If I work remotely in Mississippi for an out-of-state employer, what tax do I pay?
As a Mississippi resident working remotely for an out-of-state employer, the rules depend on reciprocity agreements. Reciprocity-pair states (PA-NJ, IL-IA, MI-OH, etc.) let you pay tax only to Mississippi. Without reciprocity, you may pay tax to BOTH states, then claim a credit on Mississippi's return for taxes paid to the work state. NY, PA-Philadelphia, and other "convenience of employer" jurisdictions can override these rules. Verify your employer's state tax setup.
What is the Mississippi income tax rate for tax year 2026?
Mississippi tax year 2026 uses 0% on the first $10,000 of taxable income and 4% on taxable income above $10,000, according to Mississippi Department of Revenue guidance. Older 4.4% and 4.7% values should not be reused for 2026 planning.
Why does Mississippi tax look lower in 2026 than older calculators show?
Mississippi is phasing down its income-tax rate. LevyIO now separates tax year 2025 filing-season language from tax year 2026 planning and uses the 4% rate for the 2026 calculator.