Oklahoma has progressive income tax rates from 0.25% to 4.75% — with partial retirement income exemptions.
Oklahoma Income Tax Rates for 2026
Single Filers
| Taxable Income | Tax Rate |
|---|---|
| $0 - $1,000 | 0.25% |
| $1,000 - $2,500 | 0.75% |
| $2,500 - $3,750 | 1.75% |
| $3,750 - $4,900 | 2.75% |
| $4,900 - $7,200 | 3.75% |
| Over $7,200 | 4.75% |
Married Filing Jointly
| Taxable Income | Tax Rate |
|---|---|
| $0 - $2,000 | 0.25% |
| $2,000 - $5,000 | 0.75% |
| $5,000 - $7,500 | 1.75% |
| $7,500 - $9,800 | 2.75% |
| $9,800 - $12,200 | 3.75% |
| Over $12,200 | 4.75% |
Note: Top rate kicks in at relatively low income levels.
Oklahoma Tax Calculator Examples
Example 1: $75,000 Single Filer
| Component | Calculation |
|---|---|
| Tax on first brackets | ~$200 |
| Tax on income over $7,200 (4.75%) | ($75,000 - $7,200) × 4.75% = $3,221 |
| Total Oklahoma tax | ~$3,421 |
| Effective rate | ~4.56% |
Example 2: $120,000 Married Filing Jointly
| Component | Calculation |
|---|---|
| Tax on first brackets | ~$350 |
| Tax on income over $12,200 (4.75%) | ($120,000 - $12,200) × 4.75% = $5,121 |
| Total Oklahoma tax | ~$5,471 |
| Effective rate | ~4.56% |
Oklahoma Standard Deduction (2026)
| Filing Status | Standard Deduction |
|---|---|
| Single | $6,350 |
| Married Filing Jointly | $12,700 |
| Married Filing Separately | $6,350 |
| Head of Household | $9,350 |
Oklahoma uses its own standard deduction amounts.
Oklahoma Retirement Income Exemption
Retirement Income Exclusion
| Filing Status | Exclusion Amount |
|---|---|
| Single | Up to $10,000 |
| Married Filing Jointly | Up to $20,000 |
Applies to:
- 401(k) distributions
- IRA distributions
- Pension income
- Other qualified retirement income
Social Security
Oklahoma exempts Social Security to the extent it’s not taxed federally. For most retirees, this means:
- Full exemption for lower incomes
- Partial exemption for higher incomes
What Income is Taxed in Oklahoma?
Taxed:
- Wages and salaries
- Self-employment income
- Interest and dividends
- Capital gains (taxed as ordinary income)
- Retirement income (above $10K/$20K exclusion)
- Rental income
Not taxed or exempt:
- First $10,000/$20,000 of retirement income
- Social Security (partially to fully exempt)
- Oklahoma municipal bond interest
- Certain military retirement (additional exclusion)
Oklahoma vs. Neighboring States
| State | Top Income Tax Rate |
|---|---|
| Texas | 0% (no income tax) |
| Missouri | 4.8% |
| Kansas | 5.7% |
| Arkansas | 4.4% |
| Colorado | 4.4% (flat) |
| New Mexico | 5.9% |
| Oklahoma | 4.75% |
Oklahoma is mid-range, with Texas offering no income tax.
Filing Oklahoma State Taxes
| Filing Requirement | Details |
|---|---|
| Form | 511 |
| Due date | April 15 (with federal) |
| E-file | Yes, through OkTap |
| Extension | Automatic with federal extension |
Oklahoma Sales Tax
- State rate: 4.5%
- Local rates: 1.5% - 7% additional
- Total range: 6% - 11.5%
- Oklahoma City typically 8.625%
Oklahoma has high combined sales tax rates due to local add-ons.
Oklahoma Property Tax
- Average effective rate: ~0.87% (below national average)
- Varies significantly by county
- Homestead exemption available
Tips to Reduce Oklahoma Taxes
- Claim retirement exclusion — $10K/$20K per year
- Max retirement contributions — Reduces taxable income
- Consider domicile — Texas border is nearby (no income tax)
- Itemize if beneficial — May exceed standard deduction
- Capital gains timing — Taxed as ordinary income
- HSA contributions — Triple tax advantage
Oklahoma Tax Authority
Oklahoma Tax Commission
- Website: tax.ok.gov
- Phone: 405-521-3160
- For refunds, returns, and questions
Bottom Line
Oklahoma has progressive income tax rates from 0.25% to 4.75%, with the top rate applying to relatively low income levels. The state offers a $10,000 retirement income exclusion ($20,000 married) and largely exempts Social Security. While income taxes are moderate, combined sales taxes can reach 11%+ — among the highest in the nation. Property taxes are below average. Texas (no income tax) borders Oklahoma, making location decisions tax-relevant.
For a side-by-side comparison of every state’s income tax rates, see state income tax rates by state 2026 and best and worst states for taxes 2026. Federal income tax applies on top of state taxes — see 2026 federal income tax brackets to calculate your combined liability.
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