What a taxable index-fund account is actually worth after expense-ratio drag and after Oregon takes its share of the gain — which, in most states, is not at the federal preferential rate.
There is no state equivalent of the federal preferential rate here — a long-term gain is charged at Oregon's normal income brackets, exactly like wages. This is the common case, and it surprises people who assume the federal 15% carries over. Long-term capital gains are taxed as ordinary income at the graduated rates above, up to 9.9% — one of the highest state rates on capital gains in the country, and the federal preferential long-term rate does NOT carry over. Oregon taxable income begins from federal AGI, which already includes net capital gain, and there is no preferential rate, no holding-period discount, and no general exclusion. A Multnomah County resident adds up to 1% SHS and 3% PFA on top, so a large gain can face a combined marginal rate near 14%. The one narrow exception is not a general break: ORS 316.045 provides a reduced farm liquidation long-term capital gain rate for qualifying dispositions of farming business property, which reaches a specific transaction type and not portfolio gains.
What your state actually takes from a 401(k) withdrawal, a pension, and Social Security — in dollars, not a yes/no list.
2026 limits, employer match, the 60-63 super catch-up, and whether the Roth catch-up mandate applies to you.
When your RMDs start under SECURE 2.0, how much this year's is, and what missing it costs.
What retiring actually costs across all fifty states in 2026 — the three lines that decide it, why ranking states by income tax gets the answer wrong, the federal rules that follow you everywhere, and the decisions that are worth real money before you move.
Oregon charges $4,764 in state income tax on a typical retirement income, $4,223 in property tax on its median home and $2,065 in insurance — $11,052 together, which is 42nd of 50.
What moving actually saves, on your own income mix rather than a headline rate — and how to establish domicile so the state you left cannot follow you.
Which account to draw first, priced. The three cliffs a withdrawal can cross without warning, the conversion window almost nobody uses, and why the order is the last big decision you can still change.