SEATTLE, Wash. – For seniors in Washington, managing expenses on a fixed retirement income can be challenging. While Washington does not charge a state income tax, federal tax rules still apply—and seniors over 65 can take advantage of an extra standard deduction to lower their taxable income.
This guide explains how the federal extra standard deduction works, what it means for Washington residents, and how retirees can maximize their tax savings in 2025.
Does Washington Charge Income Tax?
Washington is one of the few states without a personal income tax. Residents do not file state income tax returns on wages, pensions, or Social Security. However, federal taxes still apply, and seniors can claim the additional standard deduction on their federal returns.
So while there’s no separate Washington standard deduction, seniors benefit directly from the IRS’s increased federal deduction amounts.
2025 Federal Standard Deduction
The IRS standard deduction reduces taxable income before federal taxes are calculated. For 2025, the amounts are:
- Married Filing Jointly: $29,200
- Single: $14,600
- Head of Household: $21,900
- Married Filing Separately: $14,600
Extra Deduction for Seniors Over 65
Seniors 65 and older can claim an additional deduction:
- Single or Head of Household: $1,950
- Married Filing Jointly: $1,550 per spouse
For example, a married couple in Washington, both over 65, could claim:
$29,200 + $3,100 = $32,300 total deduction.
Who Qualifies?
To claim the extra deduction, seniors must:
- Be 65 or older by December 31, 2025
- File a federal income tax return
- Indicate their age on Form 1040
No special application is required—the IRS automatically adjusts the standard deduction when you file.
Standard Deduction and Washington Seniors
Even without a state income tax, Washington retirees file federal returns and often rely on Social Security, pensions, or retirement savings. As per Washington Post, the extra standard deduction can:
- Lower or eliminate federal tax liability
- Preserve more income for healthcare, housing, and essentials
- Provide relief without needing to itemize deductions
Major Takeaway
For seniors in Washington, all tax savings come from federal rules. Claiming the extra standard deduction for those over 65 is a simple and effective way to reduce taxable income.
Conclusion
Washington retirees don’t pay state income tax, but understanding the federal standard deduction can still result in meaningful savings. Seniors should review their filing status, age eligibility, and income sources to fully benefit from this federal tax break.
We want to hear from you! Are you a senior in Washington taking advantage of the extra federal standard deduction? Share your experiences and tips in the comments below—your insights could help fellow retirees maximize their savings!
