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Rhode Island levies a three-bracket progressive tax: 3.75% on your first $80,250 of taxable income (single), 4.75% up to $175,550, and 5.99% above that. Note the unusually WIDE first bracket — 3.75% covers all income up to $80,250, which means most Rhode Islanders never leave the bottom bracket. The state uses the federal standard deduction ($16,100 single / $32,200 married).

On a $95,000 single salary: taxable income after the standard deduction is $78,900, all of which fits in the 3.75% bracket. Rhode Island tax: about $2,959 — a 3.1% effective rate that undercuts many states with higher headline rates. Providence adds no city income tax.

Rhode Island phases out nearly all its retirement benefits by income: Social Security is exempt only for AGI under roughly $101,900 (single) / $126,600 (married), with partial exemption in a phase-out zone. Above those caps, Social Security gets taxed at full state rates — a notable difference from most states.

Property tax is 1.61% average — fourth-highest nationally — and combined sales tax runs 7.09%. Rhode Island's total burden is high per-capita, driven heavily by property tax on its dense housing stock, but the income-tax piece is more moderate than the state's reputation suggests.

Filing in Rhode Island: the resident return is Form RI-1040, due to the Rhode Island Division of Taxation by April 15. Rhode Island offers free e-file, and the state accepts federal itemized or standard deductions.