A 529 plan is a tax-advantaged account for education costs. Money grows tax-free, and withdrawals for qualified education expenses aren't taxed federally. Every state offers at least one plan, and you can usually use any state's plan, though some states give a state tax deduction only for their own plan. Here are the federal rules from the IRS.
Source: IRS Topic 313, Qualified tuition programs (checked 2026-10-12).
Pick your state to see its plan and whether you get a state tax break for contributing. In most states the break only applies to the home-state plan; 'tax parity' states give it for any state's plan.
| State | Direct-sold plan | State tax break (2026 max contribution counted) | Any state's plan? |
|---|---|---|---|
| Alabama | CollegeCounts 529 | $5,000 single / $10,000 joint (deduction) | No |
| Alaska | Alaska 529 | None | No |
| Arizona | AZ529, Arizona's Education Savings Plan | $2,000 single / $4,000 joint (deduction) | Yes |
| Arkansas | Brighter Future Direct Plan | $5,000 single / $10,000 joint (deduction) | Yes |
| California | ScholarShare 529 | None | No |
| Colorado | CollegeInvest Direct Portfolio | $26,200 single / $39,200 joint (deduction) | No |
| Connecticut | CHET / Fund My Future CT | $5,000 single / $10,000 joint (deduction) | No |
| Delaware | DE529 Education Savings Plan | $1,000 single / $2,000 joint (deduction) | No |
| District of Columbia | DC College Savings Plan | $4,000 single / $8,000 joint (deduction) | No |
| Florida | Florida 529 Savings Plan | None | No |
| Georgia | Path2College 529 Plan | $4,000 single / $8,000 joint (deduction) | No |
| Hawaii | HI529 | None | No |
| Idaho | IDeal - Idaho College Savings Program | $6,000 single / $12,000 joint (deduction) | No |
| Illinois | Bright Start College Savings | $10,000 single / $20,000 joint (deduction) | No |
| Indiana | Indiana529 Direct Savings Plan | $3,750 single / $7,500 joint (credit) | No |
| Iowa | Iowa 529 (College Savings Iowa) | $6,100 single / $12,200 joint (deduction) | No |
| Kansas | Learning Quest 529 | $3,000 single / $6,000 joint (deduction) | Yes |
| Kentucky | KY Saves 529 | None | No |
| Louisiana | START Saving Program | $2,400 single / $4,800 joint (deduction) | No |
| Maine | NextGen 529 | $1,000 single / $1,000 joint (deduction) | Yes |
| Maryland | Maryland 529 (College Investment Plan) | $2,500 single / $2,500 joint (deduction) | No |
| Massachusetts | U.Fund College Investing Plan | $1,000 single / $2,000 joint (deduction) | No |
| Michigan | Michigan Education Savings Program (MESP) | $5,000 single / $10,000 joint (deduction) | No |
| Minnesota | Minnesota College Savings Plan | $1,500 single / $3,000 joint (deduction or credit (depends on income)) | Yes |
| Mississippi | MACS (Mississippi Affordable College Savings) | $10,000 single / $20,000 joint (deduction) | No |
| Missouri | MOST - Missouri's 529 Plan | $8,000 single / $16,000 joint (deduction) | Yes |
| Montana | Achieve Montana | $3,000 single / $6,000 joint (deduction) | Yes |
| Nebraska | NEST Direct College Savings Plan | $10,000 single / $10,000 joint (deduction) | No |
| Nevada | SSGA Upromise 529 | None | No |
| New Hampshire | UNIQUE College Investing Plan (Fidelity) | None | No |
| New Jersey | NJBEST 529 | $10,000 single / $10,000 joint (deduction) | No |
| New Mexico | The Education Plan | Unlimited single / Unlimited joint (deduction) | No |
| New York | NY's 529 College Savings Program (Direct) | $5,000 single / $10,000 joint (deduction) | No |
| North Carolina | NC 529 Plan | None | No |
| North Dakota | College SAVE | $5,000 single / $10,000 joint (deduction) | No |
| Ohio | CollegeAdvantage Direct 529 | $4,000 single / $4,000 joint (deduction) | Yes |
| Oklahoma | Oklahoma 529 College Savings Plan | $10,000 single / $20,000 joint (deduction) | No |
| Oregon | Oregon College Savings Plan | Varies by income† single / Varies by income† joint (credit) | No |
| Pennsylvania | PA 529 Investment Plan | $19,000 single / $38,000 joint (deduction) | Yes |
| Rhode Island | CollegeBound Saver | $500 single / $1,000 joint (deduction) | No |
| South Carolina | Future Scholar 529 (Direct) | Unlimited single / Unlimited joint (deduction) | No |
| South Dakota | CollegeAccess 529 | None | No |
| Tennessee | TNStars College Savings 529 | None | No |
| Texas | Texas College Savings Plan | None | No |
| Utah | my529 | $2,560 single / $5,120 joint (credit) | No |
| Vermont | Vermont 529 (VHEIP) | $2,500 single / $5,000 joint (credit) | No |
| Virginia | Invest529 | $4,000 single / $4,000 joint (deduction) | No |
| Washington | DreamAhead (WA529 Invest) | None | No |
| West Virginia | SMART529 WV Direct | Unlimited single / Unlimited joint (deduction) | No |
| Wisconsin | Edvest 529 | $5,280 single / $5,280 joint (deduction) | No |
| Wyoming | Wyoming (no state-sponsored direct plan found) | None | No |
Tax-break limits and parity: Savingforcollege 2026 table; state-law summaries: ICI 2025 state tax survey. Checked 2026-10-12. Confirm with your state revenue department before filing.
Starting in 2026, up to $20,000 per student per year for qualified K-12 expenses, per the IRS.
Yes, up to $35,000 lifetime for the beneficiary, if the account has been open 15 years and the funds are 5+ years old; annual Roth limits apply (IRS).
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.