Ohio After Tax Income Calculator 2026
Calculate Your OH Take-Home Pay with State & Local Taxes
Based on Ohio Dept. of Taxation & IRS 2026 rates
Enter Your Income Information
Your 2026 Ohio Paycheck Breakdown
Paycheck Distribution
How Ohio Income Tax Works
🌰 Ohio's Progressive Tax + Local Taxes
Ohio has a progressive state income tax with rates from 0% to 3.5% (2026). However, most Ohio residents also pay municipal income tax ranging from 0.5% to 3% depending on where they live and work. Major cities like Columbus, Cleveland, and Akron charge 2.5%. These local taxes are administered by RITA (Regional Income Tax Agency) or CCA (Central Collection Agency).
- Calculate Gross Income: Start with your total annual salary before any deductions.
- Subtract Pre-Tax Deductions: 401(k), health insurance, HSA contributions reduce taxable income.
- Apply Federal Tax Brackets: Calculate federal income tax using 2026 IRS tax brackets (10%-37%).
- Apply OH State Tax Brackets: Ohio has progressive brackets from 0% to 3.5%.
- Apply Local Tax: Most cities charge 1.5%-2.5% municipal income tax.
- Calculate FICA: Social Security (6.2% up to $176,100) + Medicare (1.45%, plus 0.9% over $200K).
- Calculate Take-Home: Gross minus all taxes equals your Ohio net pay.
Ohio Tax Calculation Formulas
Take-Home Pay Formula
OH State Progressive Tax
Local Municipal Tax
Effective Tax Rate
2026 Ohio State Tax Brackets
| Taxable Income | Tax Rate | Tax Calculation |
|---|---|---|
| $0 - $26,050 | 0% | $0 |
| $26,050 - $100,000 | 2.75% | 2.75% of amount over $26,050 |
| Over $100,000 | 3.5% | $2,034 + 3.5% of amount over $100,000 |
Note: Ohio eliminated the lowest brackets — income under $26,050 pays $0 state tax. Ohio also offers various credits and deductions.
Ohio Local Municipal Tax Rates
| City | Tax Rate | Administrator |
|---|---|---|
| Columbus | 2.5% | City of Columbus |
| Cleveland | 2.5% | CCA |
| Cincinnati | 1.8% | City of Cincinnati |
| Toledo | 2.25% | RITA |
| Akron | 2.5% | City of Akron |
| Dayton | 2.5% | City of Dayton |
| Youngstown | 2.75% | RITA |
| Canton | 2.5% | RITA |
| Suburbs/Townships | 1.0% - 2.5% | RITA/CCA |
If you work in one city but live in another, you may owe tax to both, but usually get credit for work city tax paid.
2026 Federal Tax Brackets
| Rate | Single | Married Filing Jointly |
|---|---|---|
| 10% | $0 - $11,925 | $0 - $23,850 |
| 12% | $11,925 - $48,475 | $23,850 - $96,950 |
| 22% | $48,475 - $103,350 | $96,950 - $206,700 |
| 24% | $103,350 - $197,300 | $206,700 - $394,600 |
| 32% | $197,300 - $250,525 | $394,600 - $501,050 |
| 35% | $250,525 - $626,350 | $501,050 - $751,600 |
| 37% | Over $626,350 | Over $751,600 |
OH Tax Advantages & Considerations
✅ Advantages
- 0% tax on first $26,050 of income
- Max state rate only 3.5%
- Social Security fully exempt
- Up to $250 retirement income credit
- Lower than CA, NY, NJ rates
- Affordable cost of living
⚠️ Considerations
- Local taxes add 1.5%-2.75% in cities
- Combined state+local can reach 6%
- School district taxes in some areas
- Complex work-city vs live-city credits
- Multiple tax administrators (RITA, CCA)
Official Resources
Frequently Asked Questions
Ohio has progressive brackets: 0% on income up to $26,050, 2.75% on $26,050-$100,000, and 3.5% on income over $100,000. The 0% bracket makes Ohio very tax-friendly for lower and middle-income earners.
Yes! Most Ohio cities and villages levy municipal income tax, typically 1.5%-2.75%. Major cities like Columbus, Cleveland, Akron, and Dayton charge 2.5%. This is separate from state tax and is administered by RITA, CCA, or the city directly.
RITA (Regional Income Tax Agency) is a consortium that collects municipal income taxes for over 330 Ohio municipalities. If your city uses RITA, you file your local tax return through them at ritaohio.com. CCA serves the Cleveland area similarly.
Potentially, but you get credit. If you work in Columbus (2.5%) and live in a suburb with 2% tax, you pay 2.5% total — Columbus gets 2.5%, your suburb gets credit for that. If your home city rate is higher than work city rate, you owe the difference to your home city.
No! Ohio does not tax Social Security benefits at the state level. Additionally, Ohio offers a retirement income credit of up to $250 for those with qualifying retirement income. This makes Ohio retirement-friendly despite local taxes.
Some Ohio school districts levy an additional income tax (typically 0.25%-2%) to fund schools. This is separate from municipal tax. Check if your school district has a tax at the Ohio Department of Taxation website. Not all districts have this tax.
For state taxes, yes — 401(k) contributions reduce Ohio taxable income. For local municipal taxes, it depends on the city. Many cities tax gross income without 401(k) deductions. Check your specific municipality's rules carefully.
Ohio: 0-3.5% state + 0-2.75% local. Pennsylvania: 3.07% flat + 0-3.9% local. Indiana: 3.05% flat + 0.5-3% county. Michigan: 4.25% flat + some city taxes. Ohio's 0% bracket is advantageous, but local taxes vary significantly.
File federal 1040, then Ohio IT 1040. For local taxes, file separately with RITA, CCA, or your city's tax department. School district taxes go on Schedule SD 100. Ohio offers free e-filing through OhioTax Online for incomes under $79,000.
Ohio state taxes are due April 15th, same as federal. Municipal tax deadlines vary — most are also April 15th, but some differ. Extensions are available until October 15th for filing, but estimated payments are still due by April 15th.
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Last Updated: January 2025 | Projected 2026 Tax Rates