FiscalCalc

2026 Tax Bracket Calculator — Rhode Island

Rhode Island income tax goes up to 5.99% at the top bracket. Calculate your combined federal + state effective tax rate for 2026.

Rhode Island State Income Tax — 2026 Summary

5.99%
Top State Rate
$74,000
Median Income
122
Cost of Living

Partially taxed

$

Your total income before any deductions or taxes

Rhode Island Tax Brackets Explained (2026)

Rhode Island has a state income tax with a top marginal rate of 5.99%. On top of federal rates (10%–37%), residents can face a combined marginal rate exceeding 35% at higher income levels. However, your effective rate is always lower than the marginal rate because only income above each threshold is taxed at that bracket's rate.

The median household in Rhode Island earns $74,000/year. At that income (single filer), the federal effective rate is approximately 12–14%, bringing total income tax (federal + state) to roughly 16–18%.

How Marginal vs. Effective Rate Works

The marginal rate is the rate on your last dollar of income — it does not apply to all income. The effective rate is your total tax divided by total income. For example, someone earning $100,000 in Rhode Island has a 22% federal marginal rate but an effective federal rate of roughly 15%, because the first $44,725 (2024) is taxed at 10% and 12%, not 22%.

Frequently Asked Questions — Tax Brackets in Rhode Island

What is the state income tax rate in Rhode Island?+
Rhode Island's top marginal state income tax rate is 5.99%. Combined with the federal top rate of 37%, the highest marginal rate for Rhode Island residents is 43.0%. However, most residents face a combined effective rate well below this.
What is the effective tax rate for a median earner in Rhode Island?+
The median household income in Rhode Island is $74,000. At that income (single filer, standard deduction), the federal effective rate is approximately 12–14%. Adding Rhode Island state tax, the combined effective rate is approximately 15–18%.
Does Rhode Island tax retirement income?+
Partially taxed. Rhode Island may offer partial exemptions for Social Security or pension income — check with a tax professional for current rules, as retirement tax treatment varies widely by state.
How do Rhode Island's taxes compare to other states?+
Rhode Island's state income tax rate of 5.99% and cost of living index of 122 place it near the middle of the tax spectrum nationally. The median household income of $74,000 affects how burdensome the overall tax structure is for typical residents.
What tax deductions are available to Rhode Island residents?+
Rhode Island residents can claim all standard federal deductions — the 2025 standard deduction is $15,000 (single) or $30,000 (married). Pre-tax contributions to 401(k), HSA, and FSA accounts reduce taxable income. At the state level, Rhode Island typically allows its own standard deduction — consult a tax professional for current state-specific amounts and deductions. Homeowners can deduct mortgage interest and up to $10,000 SALT (state/local taxes) federally.

Data Sources & Methodology

Federal tax brackets from IRS Revenue Procedure 2024-61 (2026 adjustments). State income tax rates from Tax Foundation. Retirement tax treatment from state revenue department publications. Median income from U.S. Census Bureau ACS. Last updated 2026.

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