What Oregon 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.
Oregon guide
On the ordinary retirement profile — $34,000 of Social Security and $61,000 of plan distributions — Oregon takes $4,764 a year in state income tax.
That is the number people compare, and it is the smallest of three. Property tax adds about $4,223 on the state's $521,368 median home, and insurance another $2,065. The three together come to $11,052, placing Oregon 42nd of 50.
A note before you start. This is general education, not tax advice. Every Oregon 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. Oregon does not tax Social Security. Publication OR-17 states it without qualification: 'Oregon doesn't tax any amount of your Social Security, Railroad Retirement Board, or railroad unemployment benefits.' No income threshold, no age condition, no phase-out. The mechanism is a subtraction of the federally taxable portion under ORS 316.054.
On 401(k) and IRA distributions. Oregon has NO general exclusion for 401(k), 403(b), 457, or traditional IRA distributions. They arrive through federal AGI and are taxed at the graduated rates above, which reach 8.75% at just $11,400 of Oregon taxable income for a single filer — so an Oregon retiree living on IRA withdrawals hits a high marginal rate very quickly. Oregon offers two small credits instead of an exclusion: a retirement income credit and a credit for the elderly or disabled, both income-limited and neither large enough to change the picture materially.
Read the full Oregon guide →17 min read · Updated 2026-09-03