Retirement tax questions

The withdrawal is considered taxable income, but how much tax you actually pay depends on your other income, your filing status, and other factors.  If you are single, and your only other income is social security, you should be able to withdraw about $13,000 per year from the IRA without paying income tax.  More than that, and you will start to pay tax on the IRA and also part of your social security benefit will become taxable.