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Virginia flag2026Rank #14

Virginia Retirement Taxes

SS exempt from state tax · partial retirement exclusions · property 0.78% · sales 5.77%. Plan RMDs, Roth conversions, and estate tax before retiring in Virginia.

By Sammy S. · Founder · AuthorUpdated for 2026

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Virginia retirement taxes snapshot

Exempts Social Security with an age-based deduction for other income. Rank #14 on this site's retiree-friendliness score (#1 is most favorable).

Social Security

SS exempt from state tax

Federal rules still apply

Retirement income

Partial retirement exclusions

Pensions / IRA / 401(k)

Estate / inheritance

No state estate/inheritance tax

Federal exempt ~$15M

Retiree rank

#14

Lower score = more friendly

Compare Virginia with another state

Compare any two states

Social Security, pensions/IRA, estate taxes, and supporting property/sales rates.

Does Virginia tax Social Security?

SS exempt from state tax

Virginia does not tax Social Security benefits at the state level. Federal tax rules still apply.

Federally, up to 85% of Social Security can be taxable based on combined income. State treatment is a separate layer on top of IRS rules.

How Virginia taxes pensions, IRA, and 401(k) withdrawals

Partial retirement exclusions

Social Security exempt. Age deduction up to about $12,000 (age 65+) may reduce taxable income—confirm Form 760 instructions.

Federal income tax on Social Security and retirement distributions can apply regardless of state rules.

Estate and inheritance taxes in Virginia

No state estate/inheritance tax

Virginia does not currently levy a state inheritance tax.

Federal estate tax may still apply above about $15M for 2026, regardless of state rules.

Property and sales taxes that affect retirees in Virginia

Income-tax savings can be offset by higher housing or consumption taxes. These are statewide benchmarks—not the exact levy on a specific home or shopping basket.

Federal vs Virginia retirement taxes

Living in Virginia does not remove federal tax on taxable Social Security, traditional IRA/401(k) withdrawals, capital gains, or a taxable estate above the federal exemption. Virginia rules sit on top of IRS rules.

Federal Social Security

Up to 85% of benefits may be taxable based on combined income—same framework in every state.

Virginia Social Security

SS exempt from state tax

Virginia withdrawals

Partial retirement exclusions

Death taxes

No state estate/inheritance tax

Before you retire in Virginia

Confirm Social Security treatment

Virginia does not tax Social Security benefits at the state level. Federal tax rules still apply.

Confirm pension and IRA rules

Social Security exempt. Age deduction up to about $12,000 (age 65+) may reduce taxable income—confirm Form 760 instructions.

Estimate property tax on your home

Statewide effective property tax is about 0.78%. Check local homestead or senior relief.

Budget for sales tax

Combined average sales tax is about 5.77%. Necessities may be taxed differently.

Review estate or inheritance tax

Virginia currently has no state estate or inheritance tax; federal estate tax may still apply.

Plan Roth conversions carefully

Conversions can raise Virginia taxable income and, where relevant, Social Security state-tax thresholds.

How to read the Virginia figures

Retiree rank

#14 on this site’s Social Security, retirement-income, and estate/inheritance score (#1 is most favorable).

Social Security badge

A planning label—not a guarantee for every AGI level or filing status.

Property & sales

Statewide benchmarks for cash-flow planning; your locality may differ.

Not modeled

Every local income tax, circuit breaker, homestead credit, or private pension nuance.

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All state rankings→Compare any two states→

Virginia retirement tax FAQs

Virginia does not tax Social Security benefits at the state level. Federal tax rules still apply.

Social Security exempt. Age deduction up to about $12,000 (age 65+) may reduce taxable income—confirm Form 760 instructions.

Virginia does not currently levy a state estate or inheritance tax. Federal estate tax may still apply above the federal exemption.

Effective owner-occupied property tax is about 0.78%. Combined average sales tax is about 5.77%.

Virginia ranks #14 on this site's retiree-friendliness score (#1 is most favorable), based on Social Security, retirement-income, and estate/inheritance treatment.

Exempts Social Security with an age-based deduction for other income. Compare property tax, sales tax, healthcare costs, and housing before deciding.

Yes. Federal income tax on taxable Social Security, IRA/401(k) withdrawals, capital gains, and the federal estate tax framework still apply.

Use the pair selector on this page to compare Social Security treatment, retirement-income rules, estate/inheritance indicators, and supporting property and sales rates.

No. Federal taxability of Social Security depends on combined income under IRS rules, not on your state of residence. State tax is an additional layer.

A Roth conversion can increase taxable income in Virginia and may affect Social Security state-tax thresholds where applicable. Model federal and state layers together before converting.

Confirm Social Security treatment, pension/IRA exclusions, property-tax homestead or senior relief, sales-tax rates on necessities, and whether Virginia has an estate or inheritance tax. Local income taxes may also apply.

RMDs from traditional IRAs and 401(k)s are generally treated like other retirement withdrawals in Virginia. Social Security exempt. Age deduction up to about $12,000 (age 65+) may reduce taxable income—confirm Form 760 instructions.

Confirm current Virginia return instructions and local rules. Rankings are educational planning aids.