Ohio Paycheck Calculator
Your city probably takes more out of your check than Ohio does.
Detailed paycheck estimator for workers in **Ohio** (OH). Uses updated 2026 federal withholdings, FICA tax limits, and state-specific tax brackets.
Estimate Take-Home Income in OH
Flat State TaxCalculator Inputs
Calculation Result
How much tax comes out of a paycheck in Ohio?
Ohio takes a flat 2.75% on income above $26,050, which is $1,346 a year on a $75,000 salary. Your city takes more. A Columbus resident pays another $1,875, bringing take-home to about $58,371 a year.
W-2 tax structure in Ohio
House Bill 96 finished a three-year flattening in 2026. The rate went 3.5% in 2024, then 3.125% in 2025, then a single 2.75% on nonbusiness income above $26,050. The first $26,050 is untaxed. What the state gave back, most cities take. Roughly 600 Ohio municipalities levy their own income tax.
Worked payroll example (gross $75,000 salary)
| Withholding Category | Annual Deduction |
|---|---|
| Gross Pay | $75,000.00 |
| Federal Income Tax | -$7,670.00 |
| FICA Tax (Social Security & Medicare) | -$5,737.50 |
| Ohio State Income Tax (2.75% above $26,050) | -$1,346.12 |
| Columbus Municipal Income Tax (2.5%) | -$1,875.00 |
| Net Take-Home Pay | $58,371.38 |
What makes Ohio W-2 taxation different?
Ohio city income tax rates for 2026
| City | Rate | State + city on $75,000 |
|---|---|---|
| Columbus | 2.5% | $3,221 |
| Cleveland | 2.5% | $3,221 |
| Akron | 2.5% | $3,221 |
| Dayton | 2.5% | $3,221 |
| Cincinnati | 1.8% | $2,696 |
| Toledo | 2.5% | $3,221 |
| Unincorporated township (no municipal tax) | 0% | $1,346 |
Rates run from about 0.5% to 3.0% across the state, with 2.0% and 2.5% the most common. Collection is split between RITA (Regional Income Tax Agency, 330-plus municipalities), CCA (Central Collection Agency), and cities that collect directly.
The 401(k) trap most Ohio movers miss
Ohio cities tax your gross wages. They generally do not honor 401(k) pre-tax deferral. So a $10,000 contribution cuts your federal taxable income and your Ohio state taxable income, but your Columbus 2.5% still applies to the full $75,000. That's about $250 a year of city tax you cannot defer away, and it surprises almost everyone moving in from a state where pre-tax means pre-tax everywhere.
Relocating from or to Ohio?
Where you owe if you work from home
Since 2023 Ohio has been back on traditional sourcing rules. You owe municipal tax where you physically work. Work from your kitchen table and you owe your home city, not the city your employer sits in. Most cities credit you for tax paid to a work city, often at 100%, though some cap the credit. If your home rate is higher than your work rate, you owe the difference.
The third layer nobody mentions: school district income tax
About 200 Ohio school districts levy their own income tax on residents, separate from both the state and the city. Rates typically run 0.25% to 2%. It's collected on a separate return (Ohio form SD 100) and it's keyed to your residence, not your workplace. Check your district number on the Ohio Department of Taxation's school district lookup before you assume your city rate is the end of it.
Frequently Asked Questions
What is Ohio's income tax rate in 2026?
A flat 2.75% on nonbusiness income above $26,050. The first $26,050 is not taxed at the state level. This took effect January 1, 2026 under House Bill 96, replacing a graduated schedule that topped out at 3.5% in 2024.
Do Ohio cities charge their own income tax?
Yes, roughly 600 of them. Columbus, Cleveland, Akron and Dayton all charge 2.5%. Rates statewide range from about 0.5% to 3.0%. On a $75,000 salary, a 2.5% city rate costs $1,875 a year, which is more than the $1,346 you pay the state.
Does my 401(k) reduce my Ohio city tax?
No. Ohio municipalities tax gross wages and generally do not recognize 401(k) pre-tax deferral. Your contribution lowers federal and Ohio state taxable income but not your city tax base.
If I work from home, which Ohio city do I pay?
Your home city. Since 2023, Ohio municipal tax follows where you physically perform the work. If you also owe a work city, most resident cities give a credit for tax paid elsewhere, though some cap it.
What is the Ohio school district income tax?
A separate income tax levied by roughly 200 Ohio school districts on residents, typically 0.25% to 2%. It is filed on Ohio form SD 100 and is based on where you live, not where you work.
- Federal baseline calculations: IRS Revenue Procedure 2025-32.
- FICA caps and limits: Social Security Administration (2026).
- State tax rates: Tax Foundation Individual Income Tax Rates (2026).
- Median household income: U.S. Census Bureau ACS (2024).
- Cost of Living Index: MERIC Cost of Living Data Series (2025).
Plan your Ohio Budget: The Paycheck Split™
The Paycheck Split™
Divide your take-home pay to plan your budget (Essentials, Lifestyle, Financial Goals).