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Tax & Salary

Ohio Paycheck Calculator

Estimate 2026 Ohio take-home pay: federal tax, flat 2.75% state tax, FICA, and city tax for 484 Ohio cities/villages or your own rate.

By CalculatorPlanet Editorial Team · Reviewed by CalculatorPlanet Editorial Board

Last updated

Net annual take-home pay
$60,246.38
Net pay per paycheck
$2,317.17
Federal income tax
$7,670.00
Ohio state tax
$1,346.13
Social Security (6.2%)
$4,650.00
Medicare (1.45%+)
$1,087.50
Municipal (city) income tax
$0.00
Total tax withheld
$14,753.63
Effective tax rate
19.67%
How it works

How the Ohio Paycheck Calculator Formula Works

Start from gross annual salary and subtract federal income tax on the 2026 brackets after the federal standard deduction, Ohio's state tax — a single flat 2.75% applied only to income above a $26,050 zero-bracket threshold, with nothing owed on the first $26,050 — the two FICA taxes (6.2% Social Security up to the year's wage base plus 1.45% Medicare with no cap), and, if selected, municipal income tax.

Ohio's $26,050 threshold is the destination of House Bill 96's two-phase collapse of the state's former multi-bracket schedule, and it applies identically to single and married filers — Ohio does not widen the zero bracket for joint filers the way the federal system or Illinois's exemption do.

Ohio is unusual: over 600 individual cities, villages, and special tax districts levy their own municipal income tax on top of the state's 2.75%, typically 0.5%-3% of wages. This calculator covers 484 of them — 23 of Ohio's largest cities (Columbus, Cleveland, Cincinnati, Toledo, Akron, Dayton, and 17 more) with rates individually confirmed against each city's own tax department, plus every municipality on RITA (the Regional Income Tax Agency)'s own 2026 published member list — select one and its real rate is applied directly.

For any Ohio municipality that neither self-administers among the original 23 nor is a RITA member (for example, CCA-collected cities), choose "My city isn't listed" and enter that city's published rate to still get an accurate combined result; this calculator does not claim to cover every Ohio municipality.

This calculator computes tax on wage income only; Ohio's separate flat 3% tax on business income above its own $250,000 exemption is out of scope, since this is a wage-paycheck calculator, not a business-income one.

netPay = gross − federalTax(2026 brackets) − stateTax(flat 2.75% above $26,050 zero bracket) − socialSecurity(6.2% to $184,500) − medicare(1.45% + 0.9% above threshold) − municipalTax(selected city's rate × gross, or a self-entered rate)
What goes in, what comes out
  • grossAnnual$Gross salary for the year before any tax or deduction.
  • ohZeroBracket$The first $26,050 of Ohio taxable income for 2026, on which Ohio owes no state tax, identical for single and married filers.
  • ficaRate%6.2% Social Security (up to the $184,500 wage base) plus 1.45% Medicare (no cap), the same combined rate every W-2 employee pays regardless of state.
  • municipalRate%The selected municipality's real municipal income tax rate — 23 of Ohio's largest cities individually verified, plus every RITA member municipality (484 total) — or a rate you type in yourself for any other Ohio municipality, applied directly to gross wages, with no zero bracket.
Net annual take-home pay
58371.38
netPay = gross − federalTax(2026 brackets) − stateTax(flat 2.75% above $26,050 zero bracket) − socialSecurity(6.2% to $184,500) − medicare(1.45% + 0.9% above threshold) − municipalTax(selected city's rate × gross, or a self-entered rate)
Values shown are from the worked example below
grossAnnual
$
Gross salary for the year before any tax or deduction.
ohZeroBracket
$
The first $26,050 of Ohio taxable income for 2026, on which Ohio owes no state tax, identical for single and married filers.
ficaRate
%
6.2% Social Security (up to the $184,500 wage base) plus 1.45% Medicare (no cap), the same combined rate every W-2 employee pays regardless of state.
municipalRate
%
The selected municipality's real municipal income tax rate — 23 of Ohio's largest cities individually verified, plus every RITA member municipality (484 total) — or a rate you type in yourself for any other Ohio municipality, applied directly to gross wages, with no zero bracket.
Step by step

Using the Ohio Paycheck Calculator

  1. Enter how is pay entered?

    Choose from Annual salary, Hourly wage.

  2. Enter annual gross salary$

    Type the figure you already have — the result updates as you type.

  3. Enter hourly rate$/hr

    Type the figure you already have — the result updates as you type.

  4. Enter hours per weekhrs/wk

    Any value between 1 and 80.

  5. Enter pay frequency

    Choose from Weekly (52 paychecks/year), Biweekly (26 paychecks/year), Semimonthly (24 paychecks/year), Monthly (12 paychecks/year), Annual (1 payment/year).

  6. Enter filing status

    Choose from Single, Married filing jointly.

  7. Enter city / village municipal income tax

    Choose from None / not sure, Aberdeen (1%), Ada (1.65%), Addyston (1.5%), Adelphi (1%), Akron (2.5%), Alexandria (1%), Alger (1%), Amanda (1%), Amsterdam (1%), Andover (1.5%), Antwerp (1%), Apple Creek (1%), Apple Creek-East Union Twp JEDD II (1%), Arcanum (1%), Arlington Heights (2.1%), Ashley (1%), Ashville (1%), Aurora (2%), Avon (1.95%), Avon Lake (1.5%), Bainbridge Twp. Aurora JEDD (2%), Bainbridge-Solon JEDD (2%), Baltic (1.5%), Baltimore (1%), Barberton (2.25%), Barnesville (1%), Barnesville JEDD I (1%), Barnesville JEDD II (1%), Batavia (1%), Bay Village (1.5%), Beachwood (2%), Beachwood East JEDD (2%), Beachwood West JEDD (2%), Beaverdam (1%), Bedford (3%), Bedford Heights (2%), Bellaire (1%), Belle Center (1%), Bellevue (2%), Bellville (1%), Belpre (1%), Bentleyville (1%), Berea (2%), Bethel (1%), Bettsville (1%), Beverly (1.25%), Bexley (2.5%), Blanchester (1%), Bloomdale (1%), Bloomingdale (1%), Bloomville (1%), Boston Heights (2%), Boston Twp Peninsula JEDD (2%), Bowerston (1%), Bradford (1%), Bratenahl (2%), Brecksville (2%), Bremen (1%), Brice (2%), Bridgeport (1%), Brimfield Tallmadge JEDD (2%), Broadview Heights (2%), Brooklyn (2.5%), Brooklyn Heights (2.5%), Bryan (1.8%), Buckland (1%), Burbank (1%), Butler (1%), Butler County Annexation (2%), Cairo (0.5%), Caldwell (1%), Camden (1%), Campbell (2.5%), Canal Fulton (2%), Canal Winchester (2%), Canton (2.5%), Cardington (1%), Carroll (0.75%), Carrollton (1%), Catawba (1%), Cecil (1%), Cedarville (1.25%), Centerburg (1%), Chagrin Falls (1.85%), Chardon (2%), Chesterville (1%), Cincinnati (1.8%), Circleville (2.5%), Circleville-Pickaway Twp JEDD (2.5%), Clarksville (1%), Cleveland (2.5%), Cleveland Heights (2.25%), Clinton (1%), Clinton Grandview Heights JEDZ (2.5%), Coal Grove (1%), College Corner (0%), Columbiana (1%), Columbus (2.5%), Commercial Point (0.75%), Conesville (0.5%), Continental (1%), Corwin (0.5%), Crestline (2%), Creston (1%), Crooksville (1.5%), Cuyahoga Falls (2%), Cuyahoga Falls Boston Twp JEDD (2%), Cuyahoga Heights (2.5%), Danville (1.5%), Darbyville (1%), Dayton (2.5%), DeGraff (1.75%), Dennison (2%), Dorr Street JEDD (2%), Doylestown (2%), Dresden (1%), Dunkirk (1%), East Cleveland (2%), East Palestine (1.5%), East Union Twp-Apple Creek JEDD (1%), Eastlake (2%), Eaton (1.5%), Eaton JEDD (2.25%), Edgerton (1.75%), Edison (0.5%), Elmore (1.75%), Elmwood Place (2%), Elyria (2.25%), Elyria JEDD (2.25%), Empire (1%), Etna-Reynoldsburg JEDD 1 (2%), Etna-Reynoldsburg JEDD 2 (2%), Etna-Reynoldsburg JEDD 3 (2%), Etna-Reynoldsburg JEDD 4 (2%), Etna-Reynoldsburg JEDD 7 (2%), Euclid (2.85%), Evans Farm JEDD (1%), Fairborn (2%), Fairport Harbor (2%), Fairview Park (2%), Fayette (1.5%), Fayetteville (1%), Felicity (1%), Forest (1.25%), Fort Jennings (1%), Fostoria (2%), Frazeysburg (1%), Fredericktown (1%), Fremont (1.5%), Fulton (1%), Gahanna (2.5%), Galena (1%), Galion (2%), Garfield Heights (2%), Gates Mills (1%), Genoa (1.5%), Germantown (1.5%), Gettysburg (1%), Gibsonburg (1%), Girard (2%), Glenmont (1%), Glenwillow (2%), Golf Manor (1.7%), Grafton (1.5%), Grandview Heights (2.5%), Gratis (1%), Green Springs (1%), Greenfield (1.625%), Greenhills (1.5%), Grove City (2%), Groveport (2%), Ham Fair Twp JEDD I (2%), Ham Fair TWP JEDD II (2%), Ham Fair TWP JEDD III (2%), Hamersville (1%), Hamilton (2%), Hanging Rock (1%), Hanover (1%), Harrisburg (1%), Harrison (1%), Harrison Twp JEDD (1%), Harrod (1%), Haskins (1%), Helena (1%), Highland Heights (2%), Hilliard (2.5%), Hiram (2.25%), Holland (2.25%), Holland Springfield Twp JEDZ (1.5%), Holmesville (1%), Hopedale (1%), Hudson (2%), Hunting Valley (0%), Huron (1%), Independence (2%), Jackson (1.5%), Jackson Center (1.5%), Jeffersonville (1%), Jerry City (1%), Jewett (1%), Johnstown (1%), Kent (2.25%), Kettering (2.25%), Killbuck (1%), Kirkersville (1%), Kirtland (2%), LaGrange (1.5%), Lakeline (1%), Lakemore (2.25%), Lakewood (1.5%), Latty (1%), Leesburg (1%), Leetonia (1.5%), Lewisburg (1.75%), Liberty Center (1%), Lincoln Heights (2%), Lithopolis (1%), Lockbourne (2.5%), Lockington (1%), Lockland (2.1%), Lodi (1%), Lorain (2.5%), Loveland (1%), Lowellville (2%), Lyndhurst (2%), Lyons (1%), Macedonia (2.5%), Macedonia Northfield Center JEDD (2.5%), Madison Village (1%), Maineville (1%), Malinta (1%), Malvern (1%), Manchester (1%), Mansfield (2.25%), Mantua Village (2%), Maple Heights (2.5%), Marengo (1%), Marengo-Bennington Twp. JEDD (1%), Martins Ferry (1%), Mayfield Heights (1.5%), Mayfield Village (2%), McClure (1%), McDonald (2%), Mechanicsburg (1%), Medina (1.25%), Medina Montville JEDD (1.25%), Melrose (1%), Mentor (2%), Metamora (1%), Middle Point (1.5%), Middleburg Heights (2%), Middleport (1%), Middletown (2%), Midvale (1.5%), Mifflin (1%), Milan (1%), Milford (1%), Milford Center (1%), Milford JEDD (1%), Milford JEDD II (1%), Milford JEDD III (1%), Milford JEDD IV (1%), Milford JEDD V (1%), Milford JEDD VI (1%), Milford JEDD VII (1%), Milford Jedd VIII (1%), Millbury (1.5%), Miller City (1%), Millersport (1%), Millville (1%), Mineral City (1%), Minerva (1.5%), Minerva Park (2%), Mingo Junction (2%), Mogadore (2.5%), Monroeville (1%), Montgomery (1%), Moreland Hills (1%), Morral (1%), Moscow (0%), Mount Sterling (1%), Mount Victory (1%), Mt Healthy (2%), Napoleon (1.5%), Nashville (1%), Nelsonville (1.75%), New Albany (2%), New Bavaria (1%), New Bloomington (1%), New Boston (2.5%), New Concord (2.25%), New Franklin (2%), New Lebanon (1%), New Richmond (1%), New Riegel (1%), New Washington (1.5%), New Waterford (1%), Newark (1.75%), Newburgh Heights (2%), Newcomerstown (2%), Newton Falls (1%), Newtown (1%), Ney (1%), Niles (2%), North Canton (2%), North College Hill (1.5%), North Hampton (1%), North Lewisburg (1.75%), North Olmsted (2%), North Perry (1%), North Ridgeville (1%), North Robinson (1%), North Royalton (2%), Northfield Village (2%), Northwood (1.5%), Norton (2%), Norton Barberton JEDZ (2%), Norwalk (1.5%), Oak Harbor (1%), Oak Hill (1%), Oakwood (2.5%), Oberlin (2.5%), Octa (1%), Olmsted Falls (1.5%), Orange (2%), Orange Chagrin Highland JEDD (2%), Orange Township JEDD (2.5%), Orrville (1%), Ostrander (1%), Ottawa (1%), Ottawa Hills (1.5%), Owensville (1%), Oxford (2%), Painesville (2%), Painesville Concord JEDD (1.75%), Parma (2.5%), Parma Heights (3%), Pataskala (1%), Patterson (0.5%), Payne (1%), Peninsula (2%), Pepper Pike (1%), Perry (2%), Perry JEDD (1%), Piketon (1%), Piqua (2%), Pleasant Hill (1%), Pleasantville (1%), Pomeroy (1%), Portage (1%), Powell (2%), Powhatan Point (1%), Quincy (1%), Ravenna (2.5%), Ravenna-Rootstown Twp JEDD (2%), Reminderville (1.5%), Reminderville Twinsburg Twp JEDD (1.5%), Reynoldsburg (2.5%), Richmond Heights (2.25%), Richwood (1%), Ridgeway (1%), Rio Grande (2%), Ripley (1%), Risingsun (1%), Rittman (1.5%), Rocky River (2%), Rossford (2.25%), Rush Twp Uhrichsville JEDD (2%), Rushville (1%), Rutland (1%), Sabina (1.5%), Saint Clairsville (0.75%), Saint Paris (1%), Salem (1.25%), Salineville (1%), Sandusky (1.25%), Sardinia (1%), Scioto Twp JEDD (2%), Sebring (2%), Seven Hills (2.5%), Shaker Heights (2.25%), Shalersville Twp JEDD (2%), Sharon TWP JEDD (2.5%), Shawnee Hills (2%), Sheffield Lake (2%), Sheffield Village (2%), Silver Lake (2%), Silverton (1.25%), Smithville (1.5%), Solon (2%), South Amherst (1%), South Bloomfield (1%), South Charleston (1.25%), South Euclid (2%), South Solon (1%), South Vienna (1%), Spencerville (1.5%), Springdale (2%), Springfield (2.4%), Springfield Beckley Airport JEDD (1%), Springfield Twp JEDZ I (1.5%), St. Louisville (1%), Steubenville (2%), Stockport (1%), Stone Creek (1%), Stoutsville (1%), Stratton (1%), Streetsboro (2%), Strongsville (2%), Sugar Grove (0.75%), Sugarcreek (1.5%), Sunbury (1%), Swanton (1.5%), Sycamore (1%), Sycamore Township-City of Montgomery JEDD (0.75%), Tallmadge (2.25%), Thurston (1%), Timberlake (2%), Tiro (1%), Toledo (2.5%), Tontogany (1%), Toronto (2%), Tremont City (1%), Trenton (1.5%), Trimble (1%), Tuscarawas (1.5%), Twinsburg (2%), Uhrichsville (2%), Union City (1%), Union Twp Village of Batavia JEDD 9 (1%), University Heights (2.5%), Upper Arlington (2.5%), Urbana (1.4%), Urbancrest (2%), Utica (1.75%), Valley View (2%), Valleyview (0%), Vermilion (1.5%), Violet Township-Canal Winchester JEDD (2%), Wadsworth (1.4%), Wakeman (1%), Walton Hills (2.5%), Warren (2.5%), Warrensville Heights (2.6%), Warrensville Heights JEDZ (2.6%), Warsaw (1%), Washingtonville (1%), Waterville (2%), Wayne Lakes (1%), Waynesfield (1%), Waynesville (0.75%), Wellington (1.75%), Wellston (1%), Wellsville (1.5%), West Alexandria (1%), West Elkton (1%), West Lafayette (1.5%), West Liberty (1%), West Mansfield (1%), West Salem (1%), West Unity (1.5%), Westlake (1.5%), Weston (1%), Whitehouse (1.5%), Wickliffe (2%), Williamsburg (1%), Williamsburg JEDD (1%), Williamsport (0.5%), Willoughby (2%), Willoughby Hills (2%), Willowick (2%), Willshire (1%), Windham (1.5%), Wintersville (1%), Woodlawn (2.3%), Woodmere (2.5%), Woodsfield (1%), Woodstock (1%), Worthington (2.5%), Xenia (2.25%), Xenia JEDD 1 (2.25%), Yellow Springs (1.5%), Youngstown (2.75%), Youngstown Girard JEDZ (2.75%), My city isn't listed (enter rate).

  8. Enter your city's municipal income tax rate%

    Any value between 0 and 10.

  9. Read the result

    The figure updates live as you type, so there is nothing to submit. Press Calculate if you want the answer brought into view — useful on a phone, where the keyboard covers the result panel.

Photograph representing tax & salary
Tax & Salary — where this calculation gets used.
Worked example

A Real Worked Example

A single filer earning $75,000 a year, paid biweekly, and working in Columbus owes $7,670 in federal tax after the $16,100 federal standard deduction, $1,346.13 in Ohio state tax (2.75% of $48,950 — gross pay minus the $26,050 zero bracket), $4,650 in Social Security, $1,087.50 in Medicare, and $1,875 in Columbus's 2.5% municipal income tax (2.5% of the full $75,000, since Ohio cities generally tax gross wages directly rather than applying the state's zero bracket) — $16,628.63 total, leaving $58,371.38 a year or $2,245.05 per biweekly paycheck.

Selecting a different listed city changes only the municipal-tax line: the same salary in Cincinnati (1.8%) would owe $1,350 in municipal tax instead of $1,875, for $58,896.38 net. Someone in a city not on the list can pick "My city isn't listed," type that city's published rate, and get the same accurate combined result.

1
grossAnnual
75000
2
payFrequency
biweekly
3
filingStatus
single
4
municipality
columbus
This calculator returns58371.38netAnnual2245.05netPerPaycheck7670federalTax1346.13stateTax4650socialSecurity1087.5medicare1875municipalTax16628.63totalTax22.17effectiveTaxRate
Going deeper

What Else to Know

How Ohio's flat 2.75% rate and $26,050 zero bracket work together

Ohio's individual income tax for 2026 is genuinely simple compared to its own recent history: a single flat 2.75% rate on nonbusiness income above a $26,050 zero bracket, with nothing owed on the first $26,050 regardless of total income. That structure is the finished product of House Bill 96, the FY2026-27 state budget signed by Governor DeWine on June 30, 2025, which cut Ohio's former top bracket to 3.125% for tax year 2025 and then to 2.75% for tax year 2026 — eliminating the multi-bracket schedule Ohio used for decades before this reform.

The $26,050 threshold functions as a genuine zero-rate bracket rather than a standard deduction subtracted from a separately-taxed base, but the practical math comes out the same either way: taxable income below $26,050 owes zero Ohio tax, and only the slice above it is taxed at 2.75%. The worked example above shows this directly — a $75,000 salary produces $1,346.13 in Ohio tax, which is 2.75% of $48,950 (the $75,000 salary minus the $26,050 threshold), not 2.75% of the full $75,000.

What makes Ohio structurally distinct from every other state in this calculator series is that the $26,050 figure does not change for married filers. Illinois doubles its exemption for joint filers, New York widens every bracket and roughly doubles its deduction, and the federal system does both — but Ohio applies the identical $26,050 threshold to single and married taxpayers alike. The result, visible in the worked example, is that a married couple's Ohio state tax bill at $75,000 combined income is exactly the same as a single filer's at that income — only their federal tax differs.

Ohio's flat 2.75% is also, at time of writing, one of the lower state income tax rates among the states this calculator series covers, a direct result of a deliberate multi-year legislative effort to compress the state's bracket schedule that culminated in HB96.

Why Ohio's rate schedule changed, and Ohio's business-income tax

Ohio didn't always look this simple. Before House Bill 96, the state ran a multi-bracket progressive schedule with a meaningfully higher top rate, and the 2025-2026 changes represent the final consolidation of a broader, multi-year effort by the Ohio legislature to reduce the number of brackets and lower marginal rates at the top of the schedule. HB96's two-phase approach — 3.125% for 2025, 2.75% for 2026 — was the mechanism that finished the job, collapsing what remained of Ohio's bracket structure into the single flat rate this calculator now applies.

One thing this reform did not touch: Ohio's separate 3% flat tax on qualifying business income, which applies above its own $250,000 exemption and is computed on an entirely different basis than wage income. Because this calculator is built around a single salary and filing status — a wage-paycheck calculator, not a business-income one — that business-income schedule is deliberately out of scope here, the same way Ohio's own tax forms separate the two income types onto different schedules.

Ohio's 600+ municipal income taxes, and how this calculator handles them

Ohio is genuinely unusual among the states in this calculator series: over 600 individual cities and villages each levy their own municipal income tax, on top of — not instead of — the state's 2.75%. Rates typically run 0.5% to 3% of wages, set independently by each municipality's own ordinance, which is why there is no single "Ohio municipal rate" the way there is a single state rate.

This calculator's municipality list covers 484 of them, built from two sources merged together. The first is 23 of Ohio's largest cities, each individually verified directly against that city's own tax department (Columbus, Cleveland, Cincinnati, Toledo, Akron, Dayton, Parma, Canton, Youngstown, Lorain, Hamilton, Springfield, Kettering, Elyria, Lakewood, Cleveland Heights, Euclid, Middletown, Mansfield, Newark, Warren, Cuyahoga Falls, and Mentor) — most of which self-administer their own income tax or use CCA rather than RITA.

The second is RITA (the Regional Income Tax Agency)'s own full 2026 published member-municipality list — 469 cities, villages, and JEDDs/JEDZs (Joint Economic Development Districts/Zones, special tax districts some townships and cities set up jointly) that RITA collects on behalf of, cross-referenced against the original 23 to avoid duplicates.

Even at 484 municipalities, this still isn't every Ohio municipality with a local income tax — CCA-collected cities and self-administering cities outside the original 23 aren't individually listed, since CCA doesn't publish as complete or as machine-readable a rate table as RITA does. For those, this calculator adds a "my city isn't listed" option that lets anyone type in their own municipality's published rate.

That path exists specifically so this calculator never has to guess or invent a rate for a municipality it doesn't individually cover — the honest answer for those is "look up your own city's rate and enter it," not a fabricated number or a flat refusal to help.

What this calculator does and doesn't estimate

This page computes statutory federal, Ohio state, FICA, and — when a municipality is selected or a custom rate entered — municipal withholding on a regular annual salary using the 2026 flat rate and zero bracket, the same core structure every state page in this series uses, adapted to Ohio's specific zero-bracket-instead-of-deduction mechanic and its filing-status-invariant threshold. It does not account for the state's business-income tax, Ohio-specific credits (including the resident/work-city credit many filers get for municipal tax already withheld elsewhere), or pre-tax deductions such as a 401(k) or health premiums.

Because Ohio's zero bracket doesn't change with filing status, this page is a useful, precise reference for the state-tax portion of an Ohio paycheck at any salary and either filing status — the number will not shift the way it does on the Illinois or New York pages when filing status changes, and that consistency is itself a real, verifiable fact about Ohio's system rather than an artifact of this calculator's engine.

Anyone whose municipality isn't one of the 484 listed should use the "my city isn't listed" option and enter their own municipality's published rate — checking it directly with their employer's payroll department, RITA, CCA, or their city's own tax department — rather than leaving municipal tax at zero and understating their real combined tax burden.

Questions

Frequently Asked Questions About the Ohio Paycheck Calculator

What is the Ohio state income tax rate for 2026?

A flat 2.75% on nonbusiness income above a $26,050 zero bracket, replacing Ohio's former multi-bracket progressive schedule. House Bill 96, signed by Governor DeWine in June 2025 as part of the state's FY2026-27 budget, collapsed Ohio's top bracket to 2.75% in two phases: first to 3.125% for tax year 2025, then to a single flat 2.75% for tax year 2026, eliminating Ohio's remaining brackets entirely.

What is Ohio's $26,050 zero bracket?

It is the first $26,050 of Ohio taxable income, on which the state owes zero income tax — only income above that threshold is taxed, and only at the flat 2.75% rate. Unlike a standard deduction that reduces a separately-computed tax, Ohio's zero bracket functions as the first bracket of its rate schedule, simply set at a 0% rate rather than being subtracted before the schedule applies.

Does the Ohio zero bracket change for married filers?

No. Ohio's $26,050 threshold applies identically to single and married filers — unlike the federal system, New York, or Illinois, none of which use the same dollar figure for both filing statuses. This is a genuine structural difference: filing status changes Ohio's federal tax line through federal brackets and deductions, but has zero effect on the Ohio state tax line itself.

What was House Bill 96 and how did it change Ohio taxes?

House Bill 96 is Ohio's FY2026-27 state budget bill, signed by Governor DeWine on June 30, 2025, which finished collapsing Ohio's individual income tax into a single flat rate. The top bracket fell to 3.125% for tax year 2025, then to 2.75% for tax year 2026 — the final step in a multi-year effort that eliminated Ohio's remaining progressive brackets for individual nonbusiness income entirely.

Does this calculator include Ohio's business income tax?

No. Ohio taxes qualifying business income separately at a flat 3% rate, above its own $250,000 exemption — a distinct schedule from the 2.75% wage tax this calculator computes. That business-income treatment applies to pass-through business earnings, not W-2 wages, so it is out of scope for a paycheck calculator built around a single salary.

Is Social Security tax capped in Ohio?

Yes, but the cap is federal, not an Ohio rule. Social Security tax is 6.2% of wages up to $184,500 for 2026, after which no more is withheld for the rest of the year regardless of state. Medicare's 1.45% has no cap at all, and earners above $200,000 (single) or $250,000 (married filing jointly) pay an extra 0.9% Additional Medicare Tax on the excess.

How does this differ from my actual Ohio tax bill?

This calculator estimates statutory withholding on regular wages using Ohio's 2026 flat rate and zero bracket, plus municipal income tax if you select a city or enter your own rate — it does not account for Ohio-specific credits, the resident/work-city credit many filers get for tax already withheld elsewhere, pre-tax deductions like a 401(k) or health premiums, or additional income. Your actual take-home pay may differ from this estimate for any of those reasons.

Does this calculator cover every Ohio city's local tax?

No, and it doesn't claim to. Ohio has over 600 municipalities that levy their own income tax. This calculator covers 484 of them: 23 of Ohio's largest cities with rates individually confirmed against each city's own tax department, plus every municipality on RITA (the Regional Income Tax Agency)'s own 2026 published member list.

Cities that self-administer their own tax or use CCA (the Central Collection Agency) and aren't among the original 23 — and any smaller municipality outside both groups — aren't individually listed. For any of those, choose "My city isn't listed," type that city's published rate, and the calculator applies it directly to your gross pay — the same honest way it handles the 484 listed municipalities.

Who collects Ohio's municipal income tax — RITA or CCA?

Most Ohio cities don't collect their own income tax directly — they outsource it to one of two regional agencies. RITA (the Regional Income Tax Agency) administers collection for 469 cities, villages, and special districts per its 2026 published member list — this calculator's municipality list includes all of them.

CCA (the Central Collection Agency), based in Cleveland, handles a separate set of Ohio cities, including Cleveland itself, and isn't individually covered here beyond this calculator's original 23-city list. A smaller group of larger cities, like Columbus and Cincinnati, run their own tax department instead of using either agency.

How many Ohio municipalities does this calculator's city list include?

484 total: 23 of Ohio's largest cities individually confirmed against each city's own tax department, plus 461 more from RITA's full 2026 member-municipality list (469 RITA members, minus 8 already covered by the original 23). That covers a large share of Ohio's 600+ taxing municipalities, but not all — CCA-collected and self-administering cities outside the original 23 still need the "my city isn't listed" custom-rate option.

References

  1. [1] Internal Revenue Service. “IRS releases tax inflation adjustments for tax year 2026.” IRS. Accessed 2026-08-24.
  2. [2] Tax Foundation. “2026 Tax Brackets and Federal Income Tax Rates.” Tax Foundation. Accessed 2026-08-24.
  3. [3] Internal Revenue Service. “Publication 926: Household Employer's Tax Guide (2026) — FICA rates and Social Security wage base.” IRS. Accessed 2026-08-17.
  4. [4] Internal Revenue Service. “Questions and answers for the Additional Medicare Tax.” IRS. Accessed 2026-08-17.
  5. [5] Tax Foundation. “2026 Ohio Tax Rates & Rankings.” Tax Foundation. Accessed 2026-08-26.
  6. [6] Plante Moran. “Ohio budget bill makes significant tax changes for a variety of taxpayers.” Plante Moran. Accessed 2026-08-26.
  7. [7] Regional Income Tax Agency (RITA). “Tax Rates Table — 2026 tax rates, credit factors, and RITA municipal codes for all 469 RITA member municipalities.” RITA Ohio. Accessed 2026-09-04.
  8. [8] Regional Income Tax Agency (RITA). “RITA Municipalities — cities and villages administered by RITA.” RITA Ohio. Accessed 2026-09-03.
  9. [9] Central Collection Agency (CCA). “CCA Member Municipalities.” CCA Ohio. Accessed 2026-09-03.
  10. [10] City of Columbus. “Income Tax Division — 2.5% municipal income tax.” City of Columbus. Accessed 2026-09-04.
  11. [11] City of Cleveland. “Finance Department, Division of Taxation (CCA) — 2.5% municipal income tax.” City of Cleveland. Accessed 2026-09-04.
  12. [12] City of Cincinnati. “Income Taxes — 1.8% municipal income tax (effective 10/2/2020).” City of Cincinnati. Accessed 2026-09-04.
  13. [13] City of Toledo. “Pay Your Income Taxes — 2.5% municipal income tax (Municipal Code 1905.011, effective 1/1/2021).” City of Toledo. Accessed 2026-09-04.
  14. [14] City of Akron. “Individual/Joint Filers — 2.5% municipal income tax (effective 1/1/2018).” City of Akron. Accessed 2026-09-04.
  15. [15] City of Dayton. “Tax Information & Forms — 2.5% municipal income tax.” City of Dayton. Accessed 2026-09-04.
  16. [16] City of Parma. “Business Tax Information — 2.5% municipal income tax.” City of Parma. Accessed 2026-09-04.
  17. [17] City of Canton. “Income Tax FAQ — 2.5% municipal income tax.” City of Canton. Accessed 2026-09-04.
  18. [18] City of Youngstown. “Codified Ordinances §183.03, Imposition of Tax — 2.75% municipal income tax.” City of Youngstown. Accessed 2026-09-04.
  19. [19] City of Lorain. “Treasurer & Income Tax Department — 2.5% municipal income tax (effective 1/1/2013).” City of Lorain. Accessed 2026-09-04.
  20. [20] City of Hamilton. “Income Tax Documents — 2.0% municipal income tax.” City of Hamilton. Accessed 2026-09-04.
  21. [21] City of Springfield. “General Tax Information — 2.4% municipal income tax.” City of Springfield. Accessed 2026-09-04.
  22. [22] City of Kettering. “Business Income Tax Information — 2.25% municipal income tax.” City of Kettering. Accessed 2026-09-04.
  23. [23] City of Elyria. “Income Tax — 2.25% municipal income tax (collected via RITA).” City of Elyria. Accessed 2026-09-04.
  24. [24] City of Lakewood. “Municipal Tax FAQs — 1.5% municipal income tax.” City of Lakewood. Accessed 2026-09-04.
  25. [25] City of Cleveland Heights. “Income Tax — 2.25% municipal income tax (effective 1/1/2016, collected via RITA).” City of Cleveland Heights. Accessed 2026-09-04.
  26. [26] City of Euclid / Euclid City Schools. “Shared Income Tax — 2.85% total municipal income tax (2.0% base + 0.85% shared, approved 1994).” City of Euclid. Accessed 2026-09-04.
  27. [27] City of Middletown. “Income Tax — 2.0% municipal income tax (effective 1/1/2021).” City of Middletown. Accessed 2026-09-04.
  28. [28] City of Mansfield. “Finance and Income Tax Department — 2.25% municipal income tax (tax year 2025).” City of Mansfield. Accessed 2026-09-04.
  29. [29] City of Newark. “Department of Taxation — 1.75% municipal income tax.” City of Newark. Accessed 2026-09-04.
  30. [30] City of Warren. “Income Tax Department — 2.5% municipal income tax (effective 1/1/2017).” City of Warren. Accessed 2026-09-04.
  31. [31] City of Cuyahoga Falls. “Income Tax — 2.0% municipal income tax.” City of Cuyahoga Falls. Accessed 2026-09-04.
  32. [32] City of Mentor. “Municipal Income Tax — 2.0% municipal income tax (effective 2020, collected via RITA).” City of Mentor. Accessed 2026-09-04.
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