은퇴자 주의:이 주는 사회 보장에 세금을 부과합니다.

부족할 수 있지만 사회 보장 제도는 은퇴한 미국인의 주요 자금원입니다. 사회 보장국에 따르면 기혼 부부 5쌍 중 약 1쌍과 독신 노인의 거의 절반이 소득의 90% 이상을 연금에 의존합니다.

사회 보장 혜택을 극대화할 수 있는 방법은 여러 가지가 있습니다. 그 중 하나는 주머니에서 그 돈의 일부를 꺼내지 않는 상태에서 사는 것입니다.

대부분의 주에서는 사회 보장을 과세 대상 소득으로 취급하지 않지만 십여 개 이상의 주에서는 과세 대상 소득으로 취급합니다.

은퇴 기간 동안 어떤 주를 고려해야 하고 어떤 주를 피하고 싶은지 둘러보면서 그것에 대해 생각하고 싶을 것입니다.

다음은 귀하의 사회 보장 혜택에 세금을 부과하는 주와 세금을 부과하는 방법입니다.

1. 콜로라도

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Galyna Andrushko / Shutterstock

로키 산맥에서 은퇴를 고려하고 있다면 콜로라도는 아름다운 경치를 자랑하는 드라이브와 노인에 대한 상대적으로 낮은 세금을 약속합니다. 이 주는 사회 보장에 세금을 부과하지만 생각만큼 나쁘지는 않습니다.

Centennial State에서 65세 미만인 경우 최대 $20,000의 혜택이 과세 소득에서 제외될 수 있습니다. 65세 이상인 경우 최대 $24,000까지 면세가 가능합니다.

2020년에 평균 콜로라도 은퇴자가 사회 보장국에서 약 $18,400를 징수할 것이기 때문에 많은 노인들은 세금을 내지 않을 것입니다.

2. 코네티컷

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LBSimms 사진/Shutterstock

코네티컷은 미국에서 가장 부유한 주 중 하나입니다. 코네티컷의 중간 가계 소득은 $76,348입니다. 육두구 주는 또한 특히 은퇴자들에게 세금 친화적이지 않은 주 중 하나입니다.

그러나 주는 최근 사회 보장 혜택에 대한 세금을 인하하여 2019년 과세 연도부터 주의 노인들에게 약 2,400만 달러를 절약했습니다. 즉, 2020년에 신고되는 세금입니다.

코네티컷은 조정 총소득(소득에서 일부 공제 제외)이 있는 거주자의 사회보장세에 독신의 경우 $50,000, 부부 공동 신고의 경우 $60,000를 초과하는 세금을 부과했습니다. 이러한 한도는 이제 $75,000 및 $100,000로 인상되었습니다.

3. 캔자스

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SilverEdge / Shutterstock

미국의 곡창지대는 드넓은 평원, 밀밭과 해바라기 밭, 친절한 사람들로 유명합니다.

캔자스 세법은 사회 보장 수혜자에게 완전히 우호적이지는 않지만 적어도 세금을 유발하는 기준은 높게 설정되어 많은 노인들이 세금 납부를 위해 은퇴 저축을 깎는 것을 방지할 수 있습니다.

사회 보장 혜택은 미혼, 기혼 부부 또는 가장으로 신고하는 조정 총소득이 $75,000 이하인 거주자에게는 면세됩니다.

4. 미네소타

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f11photo / Shutterstock

North Star State에서 은퇴하면 악명 높은 추운 겨울과 사회 보장 세금의 냉담한 현실을 견뎌야 합니다.

귀하의 급여에 대해 주 소득세를 납부하게 되지만 과세 대상 소득에서 해당 금액의 일부를 공제할 수 있습니다. 결혼한 경우 급여로 $5,150, 독신 또는 가장으로 제출하는 경우 $4,020, 부부가 별도로 신고하는 경우 $2,575.

소득이 $81,180 이상인 개인과 $103,930 이상인 부부를 포함하여 고소득자의 경우 공제가 단계적으로 사라지고 고소득자의 경우 완전히 사라집니다.

5. 미주리

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숀 파본 / Shutterstock

Show Me State는 멋진 Ozark 산과 세계에서 가장 높은 아치인 St. Louis의 미시시피 강에 있는 Gateway Arch를 자랑하는 것을 좋아합니다.

미주리 주는 사회 보장 연금에 세금을 부과하지만 은퇴자들에게 약간의 자비를 베풀고 있습니다.

62세 이상의 독신 미주리 주민은 조정 총 소득이 $85,000 미만인 경우 세금을 내지 않습니다. 공동으로 신고하는 부부의 경우 소득이 $100,000까지 면제됩니다. 소득이 기준을 초과하는 노인은 부분 면제를 받을 수 있습니다.

6. 몬태나

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF82XzEyMDB4NTAwX3YyMDIwMDYxODE1NTYzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6NTUxfX19, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF82XzEyMDB4NTAwX3YyMDIwMDYxODE1NTYzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTEwMn19fQ==배"/> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF82XzEyMDB4NTAwX3YyMDIwMDYxODE1NTYzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6NTE2fX19, HTT PS ://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF82XzEyMDB4NTAwX3YyMDIwMDYxODE1NTYzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTAzMn19fQ==배 "/> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="HTTPS ://images.moneywise .COM / eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF82XzEyMDB4NTAwX3YyMDIwMDYxODE1NTYzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6Njk2fX19, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF82XzEyMDB4NTAwX3YyMDIwMDYxODE1NTYzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTIwMH19fQ==배 "/> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103p X) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF82XzEyMDB4NTAwX3YyMDIwMDYxODE1NTYzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6OTM2fX19, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF82XzEyMDB4NTAwX3YyMDIwMDYxODE1NTYzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTIwMH19fQ==배 "/> <원본 미디어 ="(최소 폭 :1104px) " 데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF82XzEyMDB4NTAwX3YyMDIwMDYxODE1NTYzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTA4MH19fQ==, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl 3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF82XzEyMDB4NTAwX3YyMDIwMDYxODE1NTYzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTIwMH19fQ ==배 "/>
Keegan Connell / Shutterstock

이 주의 멋진 산, 호수, 국립공원은 관광객을 끌어들이고 많은 여유 공간이 있는 조용한 곳에 정착하고자 하는 퇴직자들을 유혹합니다.

Treasure State는 재산세가 낮고 판매세가 없습니다. 사회 보장은 입니다 세금이 부과되지만 고유한 공식을 통해 퇴직자는 워크시트를 사용하여 급여 중 과세 대상이 얼마인지 파악해야 합니다.

소득이 $25,000 이하인 독신 수혜자와 $32,000 이하의 부부는 일반적으로 세금을 내지 않습니다. 2019년 주 의회는 임계값을 높이는 법안을 통과시켰지만 Steve Bullock 주지사는 주정부에 너무 많은 비용이 들 것이라고 말했고 거부했습니다.

7. 네브래스카

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF83XzEyMDB4NTAwX3YyMDIwMDYxODE1NTgzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6NTUxfX19, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF83XzEyMDB4NTAwX3YyMDIwMDYxODE1NTgzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTEwMn19fQ==배"/> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF83XzEyMDB4NTAwX3YyMDIwMDYxODE1NTgzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6NTE2fX19, HTT PS ://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF83XzEyMDB4NTAwX3YyMDIwMDYxODE1NTgzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTAzMn19fQ==배 "/> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="HTTPS ://images.moneywise .COM / eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF83XzEyMDB4NTAwX3YyMDIwMDYxODE1NTgzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6Njk2fX19, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF83XzEyMDB4NTAwX3YyMDIwMDYxODE1NTgzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTIwMH19fQ==배 "/> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103p X) "데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF83XzEyMDB4NTAwX3YyMDIwMDYxODE1NTgzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6OTM2fX19, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF83XzEyMDB4NTAwX3YyMDIwMDYxODE1NTgzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTIwMH19fQ==배 "/> <원본 미디어 ="(최소 폭 :1104px) " 데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF83XzEyMDB4NTAwX3YyMDIwMDYxODE1NTgzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTA4MH19fQ==, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl 3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF83XzEyMDB4NTAwX3YyMDIwMDYxODE1NTgzMi5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTIwMH19fQ ==배 "/>
Real Window Creative / Shutterstock

이 중서부 주는 격렬한 뇌우와 토네이도로 유명하며 세법도 그다지 맑지 않아 보입니다.

네브래스카는 상대적으로 높은 재산세로 인해 종종 미국의 높은 세금을 내는 주로 선정되며 사회 보장에 대한 세금은 큰 세금 부과자로서의 주의 명성에 도움이 되지 않습니다.

조정 총소득이 독신의 경우 $43,000, 부부가 공동으로 신고한 경우 $58,000 이상인 경우 혜택이 과세될 수 있습니다.

8. 뉴멕시코

<포토> <원본 미디어 ="(최대 폭 :575px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF84XzEyMDB4NTAwX3YyMDIwMDYxODE1NTk0MS5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6NTUxfX19, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF84XzEyMDB4NTAwX3YyMDIwMDYxODE1NTk0MS5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTEwMn19fQ==배"/> <원본 미디어 ="(최소 폭 :576px) 및 (최대 폭 :767px)"데이터 srcset ="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF84XzEyMDB4NTAwX3YyMDIwMDYxODE1NTk0MS5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6NTE2fX19, HTT PS ://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF84XzEyMDB4NTAwX3YyMDIwMDYxODE1NTk0MS5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTAzMn19fQ==배 "/> <원본 미디어 ="(최소 폭 :768px) 및 (최대 폭 :991px) "데이터 srcset ="HTTPS ://images.moneywise .COM / eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF84XzEyMDB4NTAwX3YyMDIwMDYxODE1NTk0MS5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6Njk2fX19, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF84XzEyMDB4NTAwX3YyMDIwMDYxODE1NTk0MS5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTIwMH19fQ==배 "/> <원본 미디어 ="(최소 폭 :992px) 및 (최대 폭 :1103p x)" data-srcset="https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF84XzEyMDB4NTAwX3YyMDIwMDYxODE1NTk0MS5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6OTM2fX19, https://images.moneywise.com/eyJidWNrZXQiOiJtZWRpYTEubW9uZXl3aXNlLmNvbSIsImtleSI6ImEvMTE0NzQvcmV0aXJlZXMtYmV3YXJlLXRoZXNlLXN0YXRlcy10YXgteW91ci1zb2NpYWwtc2VjdXJpdHlfZnVsbF93aWR0aF84XzEyMDB4NTAwX3YyMDIwMDYxODE1NTk0MS5qcGciLCJlZGl0cyI6eyJyZXNpemUiOnsiZml0IjoiY292ZXIiLCJ3aWR0aCI6MTIwMH19fQ==2x" />
Bill Florence / Shutterstock

The Land of Enchantment has low property taxes that have helped land New Mexico on lists of the best states for taxes. But that magic doesn't extend to retirees.

Social Security is partially taxed and the impact is harsh, says Fred Nathan, executive director of the nonprofit Think New Mexico. He says the average beneficiary in the state takes a nearly $700 a year tax hit.

The state legislature is moving to cut New Mexico's Social Security tax.

9. North Dakota

ZakZeinert / Shutterstock

The Peace Garden State is the top honey producer in the nation, but its tax on Social Security has not been much of a sweet deal. The state is trying to fix that.

A new law will allow seniors to avoid taxation of their benefits if they're single filers earning less than $50,000 or joint filers with income under $100,000.

State Tax Commissioner Ryan Rauschenberger told KFYR-TV that while North Dakota's income tax rate is pretty low, every bit helps for Social Security beneficiaries.

10. Rhode Island

Olga Enger / Shutterstock

If you’re thinking of retiring to the Ocean State for some sailing in the sun, keep in mind that Rhode Island's tax laws may not be a breeze. That's particularly true if you expect to make a lot of money during your retirement years.

The state taxes Social Security benefits, but only for retirees with higher incomes. There's no tax if adjusted gross income tops $85,150 for single filers or $106,400 for joint filers.

Taxes can be a financial drain during retirement at any income level, but financial planning help is available online and by phone to show you how to stretch your savings.

11. Utah

Joe Guetzloff / Shutterstock

Utah’s world-renowned ski resorts and impressive rock formations draw visitors from all over. But its tax laws can be a turn-off for Americans thinking about retiring here.

The Beehive States taxes Social Security the same way as the federal government, which means up to 85% of your benefits are taxable income if you have lots of other earnings in addition to Social Security.

The state legislature is considering a bill that would give Social Security recipients $15 million in tax breaks.

12. Vermont

숀 파본 / Shutterstock

The Green Mountain State’s taxes can be as steep as its hills. Retirees pay tax on their Social Security benefits, but a 2018 state law has taken some of the sting out of that tax burden.

Social Security is now tax-free for single seniors with adjusted gross income up to $45,000 and married joint filers with AGI of $60,000 or less.

The exemption phases out for retired Vermonters whose earnings go over the thresholds. There's no exemption once adjusted gross income tops $55,000 for an individual or $70,000 for a couple.

13. West Virginia

Ben Whalen / Shutterstock

West Virginia is one of the most scenic states in the U.S., known for its winding, mountainous country roads. (Note:Your ears will pop.)

The state's tax on Social Security hasn't been so pretty, but it's being phased out under a law passed last year.

Starting with 2020 tax returns, 35% of benefits will be exempted from taxes. That increases to 65% for the 2021 tax year, and on 2022 returns Social Security will be 100% tax-free.


은퇴하다
  1. 회계
  2. 사업 전략
  3. 사업
  4. 고객 관계 관리
  5. 재원
  6. 주식 관리
  7. 개인 금융
  8. 투자하다
  9. 기업 자금 조달
  10. 예산
  11. 저금
  12. 보험
  13. 은퇴하다