Ohio Paycheck Calculator 2026 – Salary & Take-Home Pay

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How your Ohio paycheck is calculated

An Ohio paycheck can have three layers of income tax: federal, state and local. Your employer starts with your gross pay, removes pre-tax benefits, withholds federal, Ohio and city taxes (and school district tax if you have one), takes after-tax deductions and pays you the rest.

1. Gross paySalary, or hours × rate, plus overtime, bonuses and tips
2. Pre-tax deductions401(k), health premiums, HSA, FSA, commuter benefits
3. TaxesFederal and Ohio income tax, city and school district tax, Social Security and Medicare
4. After-tax deductionsRoth 401(k), union dues, garnishments
5. Net payThe take-home amount paid to you

What is taken out of an Ohio paycheck in 2026

Ohio has no state disability, paid family leave or employee unemployment deduction.

Ohio income tax rates for 2025 and 2026

The 2025 state budget (House Bill 96) replaced Ohio's two brackets with a single 2.75% rate from 2026 (Ohio Revised Code 5747.02):

Ohio starts from your federal adjusted gross income, so 401(k) contributions, health premiums, HSA and FSA contributions lower your state tax. Instead of a standard deduction you subtract a personal exemption for yourself, your spouse and each dependent: $2,400 each if your income is $40,000 or less, $2,150 up to $80,000 and $1,900 above that. From 2026 there is no exemption if your income is $500,000 or more ($750,000 in 2025) (R.C. 5747.025).

A single filer earning $100,000 has $98,100 of Ohio taxable income after the $1,900 exemption. The 2026 tax is $332 plus 2.75% of $72,050, or $2,313, about 2.3% of gross pay. The flat rate matters most to higher earners: on $150,000 the Ohio tax falls from $3,897 in 2025 to $3,688 in 2026.

City income tax in Ohio

Ohio is one of the few states where most cities tax wages. Over 600 cities and villages charge a municipal income tax, usually to the people who work there. Examples include 2.5% in Columbus, Cleveland, Toledo, Akron and Dayton and 1.8% in Cincinnati. Enter the rate for the city where you work under Personal Details; the calculator starts at 2.5%.

• What it taxes: wages (Medicare wages), including 401(k) and 403(b) contributions, but not health premiums or other Section 125 benefits. So a 401(k) lowers your federal and Ohio tax but not your city tax.
• Live in one city, work in another: your employer withholds for the city where you work. Your home city may charge the difference if its rate is higher, depending on the credit it gives. Check with your home city or its tax agency (RITA or CCA in many places).
• Working from home: city tax generally follows where you actually do the work, so remote days at home can move tax to your home city.

School district income tax

About 200 Ohio school districts have voter-approved income taxes, usually 0.5% to 2%, paid by people who live in the district wherever they work. Some districts tax Ohio taxable income (the traditional base) and others tax earned income only. You can look up your district and rate with The Finder from the Ohio Department of Taxation. Enter it under Personal Details; the calculator applies it to Ohio taxable income. A 1% school district tax on a $100,000 salary is about $981 a year.

Federal taxes on every Ohio paycheck

Federal income tax depends on your income, filing status and the choices on your W-4. For 2026 the brackets run from 10% to 37%, and the standard deduction is $16,100 for single filers, $32,200 for joint filers and $24,150 for heads of household (IRS).

• Social Security: 6.2% of wages up to $184,500 in 2026, a maximum of $11,439 (SSA).
• Medicare: 1.45% of all wages. Employers also withhold an extra 0.9% on wages above $200,000 in a year.

Take-home pay examples in Ohio for 2026

These results come from the calculator above for a single filer paid monthly, with no pre-tax deductions, working in a city with a 2.5% income tax and no school district tax:

Without any city tax, the $100,000 salary would take home about $76,867; with a 1% school district tax as well as the 2.5% city tax, about $73,386. A married couple filing jointly on $150,000 of combined pay takes home about $115,799 a year. An hourly worker on $25 an hour, 40 hours a week, earns $52,000 and takes home about $41,676 a year, or $3,473 a month.

In Ohio the city tax is often larger than the state tax. Compare a $100,000 salary in other states with our Pennsylvania ($74,988 with a 1% local tax), Illinois ($74,375) and Florida ($79,180) paycheck calculators.

Paychecks in Columbus, Cleveland and Cincinnati

Your take-home pay changes with the city where you work. On a $100,000 salary, a single filer keeps about $74,367 working in Columbus or Cleveland (2.5% city tax) and about $75,067 working in Cincinnati (1.8%). Enter your own city's rate in the calculator to see your exact paycheck.

Working across the state line

Ohio has reciprocal agreements with Indiana, Kentucky, Michigan, Pennsylvania and West Virginia. If you live in one of those states and work in Ohio, you pay only your home state's income tax; give your employer Form IT 4NR. Ohio city income tax can still apply where you work.

How bonuses, overtime and tips are taxed in Ohio

• Bonuses: Employers usually withhold a flat 22% federal tax on bonuses, plus Ohio tax, city tax, Social Security and Medicare. Your real tax is settled when you file. On a $100,000 salary you keep about $6,510 of a $10,000 bonus. See the bonus tax calculator.
• Overtime: Ohio pays 1.5 times the regular rate for hours over 40 in a workweek. Overtime is taxed as ordinary wages. See the overtime calculator.
• Tips and the new federal deductions: The federal deductions for qualified tips (up to $25,000) and the overtime premium (up to $12,500, or $25,000 for joint filers) cover 2025 to 2028. They are taken after federal adjusted gross income, which is where Ohio starts, so they do not lower Ohio or city tax.

How pre-tax deductions lower your Ohio taxes

Salary or hourly pay in Ohio

For hourly pay, multiply your rate by your weekly hours and by 52. A full-time year is 2,080 hours. Ohio's minimum wage is $11.00 an hour in 2026 for most employers, and $5.50 for tipped workers (13 ABC), which is $22,880 a year full time. Small employers with lower gross receipts may pay the federal $7.25. A full-time worker on $11.00 an hour takes home about $19,880 a year, owing no Ohio income tax because taxable income is under $26,050, but still paying city tax.

Why your actual paycheck may differ from this estimate

• This calculator estimates your tax for the full year. Employers withhold using the IRS and Ohio withholding tables and your W-4 and Ohio IT 4, so each check can be a little higher or lower.
• Your employer withholds city tax for where you work; if your home city charges more, you may owe it the difference when you file a city return.
• School district tax is often not withheld from paychecks, so you may need to pay it when you file the SD 100 return.
• Small Ohio credits, such as the joint filing credit and the exemption credit for lower incomes, are claimed when you file.
• Social Security stops once your wages pass $184,500, so late-year paychecks of high earners are larger.

How to increase your take-home pay in Ohio

• Check your federal withholding with the IRS Tax Withholding Estimator and update your W-4 and IT 4 after a raise, a new job or a change in your family.
• Use health premiums, an HSA and FSAs: they lower federal, Ohio and city tax. A 401(k) lowers federal and Ohio tax.
• If you work from home some days, keep records of where you work; it can change which city taxes those days.

How this calculator works

The calculator estimates your full-year tax and divides it by your pay periods. It uses the 2026 federal brackets and standard deduction (Rev. Proc. 2025-32, including the 2025 tax law changes), the 2026 Ohio tax schedule and exemptions, the city income tax rate you enter applied to Medicare wages, the school district rate you enter applied to Ohio taxable income, and the 2026 Social Security wage base. For joint filers, enter combined household wages. Results are estimates, not tax advice.

Last reviewed: October 28, 2026.