Ohio Take-Home Pay Calculator
3.99% top rateEstimate your net paycheck after federal taxes, FICA, and Ohio state income tax.
Last updated: April 2026
Ohio Income Tax
Ohio has a graduated income tax with a top rate of 3.99%. Many cities also impose local income taxes.
Ohio State Income Tax: What You Need to Know
Ohio has a graduated income tax with a top rate of 3.99%. Many cities also impose local income taxes.
Ohio has a simplified two-bracket system (plus a zero bracket). Importantly, Ohio also has a complex system of municipal income taxes — over 600 Ohio cities and villages levy local income taxes ranging from 0.5% to 3%. Columbus charges 2.5%, Cleveland 2.5%, Cincinnati 1.8%. If you work in an Ohio city with a local tax, that's deducted from your paycheck on top of state income tax.
On top of state taxes, all workers also pay federal income tax based on the 2026 progressive brackets, plus FICA taxes: Social Security (6.2% up to $176,100) and Medicare (1.45% on all wages).
Our calculator applies Ohio's 3.99% top rate to your gross income as a simplified estimate. Actual state taxes may vary based on deductions, exemptions, and local taxes not captured in this estimate.
Ohio Income Tax Brackets (2026, Single Filers)
| Income Range | Tax Rate |
|---|---|
| $0 – $26,050 | 0.00% |
| $26,050 – $100,000 | 2.75% |
| $100,000 – and above | 3.99% |
Ohio Take-Home Pay Examples (2026, Single Filer)
Estimates based on standard deduction, no pre-tax deductions. Last updated: April 2026.
| Salary | Federal Tax | State Tax | FICA | Take-Home |
|---|---|---|---|---|
| $40,000 | $3,167 | $382 | $3,060 | $33,391 |
| $60,000 | $6,617 | $932 | $4,590 | $47,861 |
| $80,000 | $10,817 | $1,482 | $6,120 | $61,581 |
| $100,000 | $15,617 | $2,032 | $7,650 | $74,701 |
Frequently Asked Questions: Ohio Taxes
What are Ohio's income tax brackets for 2026?
Ohio has a streamlined system: no tax on income up to $26,050, then 2.75% on income from $26,050 to $100,000, and 3.99% on income over $100,000. Ohio significantly simplified its tax system in recent years, reducing from five brackets to two.
Does Ohio have city income taxes?
Yes — Ohio has one of the most complex local income tax systems in the US, with over 600 municipalities levying local earned income taxes. Columbus charges 2.5%, Cleveland 2.5%, Cincinnati 1.8%, Akron 2.5%. If you live and work in different Ohio cities, you typically pay your city of residence's rate, with a credit for taxes paid to your work city.
How does the Ohio RITA or CCA work?
Many Ohio cities use Regional Income Tax Agency (RITA) or the Central Collection Agency (CCA) to administer local taxes. You may need to file a separate local tax return in addition to your state and federal returns. Your employer should withhold local taxes from your paycheck if they're registered in your city.
Is Social Security income taxed in Ohio?
No. Ohio does not tax Social Security benefits. Most retirement income, including public pension benefits, may also be eligible for Ohio's retirement income credit. Ohio is generally considered retirement-friendly.
What is Ohio minimum wage in 2026?
Ohio minimum wage is $10.70/hour for non-tipped employees at businesses with annual gross receipts over $385,000. Small businesses may pay the federal minimum of $7.25. Ohio's minimum wage is indexed annually to inflation under a constitutional amendment.
How does Ohio compare to neighboring states on income tax?
Ohio's state rate (max 3.99%) is competitive with Pennsylvania (3.07%) and lower than Indiana (3.15% flat) when just considering state rates. However, Ohio's municipal taxes often push the effective combined rate to 5–7% for workers in major cities, making it comparable to higher-rate neighboring states.