Georgia
#14
retiree-friendly rank
- Social Security
- SS exempt from state tax
- Retirement income
- Partial retirement exclusions
- Death tax
- None
Prop 0.79% · Sales 7.56%
2026Georgia vs Minnesota Retirement Taxes
Georgia ranks more retiree-friendly than Minnesota on Social Security, retirement-income, and estate/inheritance treatment. Compare Social Security, pensions and IRA withdrawals, estate/inheritance taxes, and supporting property and sales rates.
By Sammy S. · Founder · AuthorUpdated for 2026
More retiree-friendly on this model
Georgia ranks ahead
Georgia ranks #14 vs #48 for Minnesota. Score gap: 4.50 (lower score = more friendly).
Side-by-side retirement tax scoreboard
Minnesota
#48
retiree-friendly rank
- Social Security
- SS partially taxed
- Retirement income
- Retirement income taxed
- Death tax
- Estate tax
Prop 1% · Sales 8.14%
Retirement tax metric comparison
Rankings emphasize income and death taxes. Property and sales rates matter for cash flow but do not drive the retiree-friendliness score.
| Metric | Georgia | Minnesota |
|---|---|---|
| Retiree-friendly rank | #14 | #48 |
| Social Security | SS exempt from state tax | SS partially taxed |
| Retirement income | Partial retirement exclusions | Retirement income taxed |
| Estate / inheritance | None | Estate tax |
| Estate exemption | — | $3M |
| Estate top rate | — | 16% |
| Effective property tax | 0.79% | 1% |
| Combined sales tax | 7.56% | 8.14% |
State rules explained
Why Georgia and Minnesota differ for retirees
The gap is rarely one rule. Social Security thresholds, pension exclusions, and estate taxes can each flip which state looks better for a given household.
Georgia rules
Exempts Social Security and offers a large age-based retirement income exclusion ($65k at age 65+).
Georgia does not tax Social Security benefits at the state level. Federal tax rules still apply.
Retirement income exclusion: up to about $35,000 per person ages 62–64, or $65,000 per person age 65+ (pensions, IRA/401(k), interest, dividends, rent, capital gains—Social Security is separately exempt and does not consume the cap). Confirm Form 500 / IT-511.
- Property
- 0.79%
- Sales
- 7.56%
Minnesota rules
Still taxes some Social Security above AGI thresholds; other retirement income generally taxable; estate tax applies.
SS subtraction phases out with AGI (about $86,410 single / $110,780 joint for full relief in 2026—indexed).
Other retirement income generally taxed; SS partially taxed above thresholds.
Estate tax: exemption about $3M, top rate about 16%.
- Property
- 1%
- Sales
- 8.14%
Income mix matters
A household living mostly on Social Security may prefer different rules than one drawing large IRA RMDs. Compare Georgia and Minnesota against your actual income mix.
Death taxes are separate
Federal estate tax can still apply above about $15M. State estate or inheritance tax is an extra layer in some states.
Property & sales still count
Georgia property 0.79% vs Minnesota 1%; sales 7.56% vs 8.14%.
Compare a different pair
Compare any two states
Social Security, pensions/IRA, estate taxes, and supporting property/sales rates.
Related tools
Estimate federal retirement figures
Use Social Security and RMD tools, then apply each state's rules from this comparison.
Georgia vs Minnesota retirement tax FAQs
Georgia ranks more retiree-friendly on this site's Social Security, retirement-income, and estate/inheritance score. Also compare property tax (0.79% vs 1%) and combined sales tax (7.56% vs 8.14%).
Georgia: ss exempt from state tax. Minnesota: ss partially taxed. Federal Social Security tax rules apply in both states.
Georgia: partial retirement exclusions. Minnesota: retirement income taxed.
Georgia: no estate tax. Minnesota: estate tax (exemption about $3M).
Not always. Property taxes, sales taxes, and estate taxes can offset income-tax savings. Compare total household exposure, not income tax alone.
Federal income tax, Medicare IRMAA surcharges, and the federal estate tax framework do not depend on the state of residence in the same way state income tax does. State rules sit on top of federal rules.
Educational comparison only. Confirm current state return instructions and estate planning rules before relocating.