What Idaho actually takes from a 401(k) withdrawal, a pension, and Social Security — in dollars, against the state’s own brackets and exclusions rather than a yes-or-no list.
Long-term index-fund growth after expense-ratio drag — and what your state takes from the gains at withdrawal.
When your RMDs start under SECURE 2.0, how much this year's is, and what missing it costs.
2026 limits, employer match, the 60-63 super catch-up, and whether the Roth catch-up mandate applies to you.
A required minimum distribution is ordinary income, taxed at your top bracket and often pushing you into the next one. Here is the federal tax on RMDs from $20,000 to $75,000 at different income levels, why the default 10% withholding usually leaves a bill, how to avoid an underpayment penalty, and the three side effects that make the real rate higher than the bracket.
The required minimum distribution on every common balance at every age from 73 to 95, worked from the IRS table, plus what happens to the account over twenty years of withdrawals at 0%, 5% and 7% returns. The short version: the share you must take rises every year, and at good returns the dollar amount keeps rising with it.
What moving actually saves, on your own income mix rather than a headline rate — and how to establish domicile so the state you left cannot follow you.
Which account to draw first, priced. The three cliffs a withdrawal can cross without warning, the conversion window almost nobody uses, and why the order is the last big decision you can still change.
Idaho guide
On the ordinary retirement profile — $34,000 of Social Security and $61,000 of plan distributions — Idaho takes $2,247 a year in state income tax.
That is the number people compare, and it is the smallest of three. Property tax adds about $2,517 on the state's $503,400 median home, and insurance another $2,240. The three together come to $7,004, placing Idaho 23rd of 50.
A note before you start. This is general education, not tax advice. Every Idaho figure comes from this site's own fifty-state income-tax dataset and its retirement tax engine, computed for a single filer aged 70 unless stated otherwise; property tax, median home price and insurance figures come from the site's core state dataset. Rates are for tax year 2026. Property tax is assessed locally in most states, so the effective rate here is a statewide figure rather than your county's.
On Social Security. Fully exempt, with no threshold, no phase-out and no age condition. Idaho begins from federal adjusted gross income, so any federally taxable portion of benefits enters the Idaho base and is then subtracted: Idaho Code 63-3022(l) directs the taxpayer to deduct any amounts included in gross income under IRC section 86, which is the federal provision that makes a portion of Social Security and Railroad Retirement benefits taxable. The subtraction is claimed on Form 39R, Part B.
On 401(k) and IRA distributions. Taxed in full at 5.3%. Idaho has NO general exclusion for distributions from a 401(k), 403(b) or traditional IRA, and no age at which one becomes available. The Idaho retirement benefits deduction does not reach them, and assuming otherwise is the standard Idaho error: that deduction is granted by enumerated System, not by age or account type, and its list contains only federal Civil Service and Foreign Service retirement annuities, the State of Idaho firefighters' retirement fund, Idaho city police officer retirement benefits, and U.S. military retirement. A private-sector 401(k) or an IRA appears nowhere in it. An Idaho retiree aged 70 drawing an ordinary 401(k) pays the full rate on every dollar.
Read the full Idaho guide →18 min read · Updated 2026-09-03