Is Your Social Security Check at Risk? These 9 States Could Take a Big Cut in 2025

• Nine states apply taxes to the Social Security check in 2025.
• The amounts vary depending on income, marital status, and age.
• Understanding how taxes are applied helps you plan for retirement.

Although most states do not tax Social Security benefits, nine of them do for the 2025 fiscal year.

This means that, depending on the state where you live, you could receive less money than expected during retirement. Knowing how these taxes work and in which states they apply is essential for planning your future income.

Which states apply taxes to the Social Security check?

The nine states that tax benefits in 2025 are:

• Colorado, Connecticut, Minnesota, Montana, New Mexico, Rhode Island, Utah, Vermont, and West Virginia.

West Virginia is gradually eliminating the tax until it is fully removed in 2026. For 2025, it will allow a deduction of 65% of the benefits included in adjusted gross income.

How does tax payment work in each state?

The rules change depending on your income and marital status:

• Colorado: exemptions of up to $20,000 depending on age.
• Connecticut: taxes benefits only if AGI exceeds $75,000 ($100,000 for joint filers).
• Minnesota: applies taxes for AGI above $84,490 or $108,320 for joint filers.
• Montana: includes benefits that are subject to federal taxation.
• New Mexico: taxes benefits if income exceeds $100,000.
• Rhode Island: imposes taxes if you receive benefits before full retirement age or exceed $107,000 of AGI.
• Utah: applies taxes on incomes above $54,000, with the possibility of credits.
• Vermont: taxes benefits for those whose AGI exceeds $50,000.

These differences show that the tax on Social Security benefits varies considerably depending on where you live.

Impact on the Latino community

Many Hispanic retirees consider moving in order to maximize their net income.

Taxes on Social Security checks can significantly reduce what they receive each month, so understanding these rules is essential for making informed decisions.

Since state laws change frequently, staying up to date helps avoid unpleasant surprises during retirement.

What’s next

Several states are considering completely eliminating these taxes.

In the meantime, the most advisable step is to review your state’s laws and consider how they will affect your budget.

Social Security benefits are fundamental, but they are only one part of a complete retirement plan.