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Ohio Take-Home Pay Calculator: 2.75% State + City Tax (2026)

Ohio just became a flat-tax state: income above $26,050 is taxed at a single 2.75% rate for 2026. The catch is Ohio's city income taxes — among the most widespread in the country. Estimate your 2026 take-home pay below.

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$

Net annual pay

$77,146

Net monthly pay

$6,429

Net biweekly pay

$2,967

Tax breakdown

CategoryAmount% of income
Federal Income Tax$13,17013.2%
Social Security$6,2006.2%
Medicare$1,4501.5%
State Income Tax$2,0342.0%
Total tax$22,85422.9%

Effective tax rate: 22.9%. Marginal federal rate: 22.0%. Marginal state rate: 2.8% in Ohio.

Where your money goes

Estimates for informational purposes only — not tax advice. Excludes pre-tax contributions, credits, and local income taxes.

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See how Ohio's take-home pay ranks against another state.

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Example: take-home pay on common salaries in Ohio

Single filer, 2026 standard deduction, no pre-tax contributions or credits. Computed by the same engine as the calculator above.

Gross salary Federal tax FICA Ohio tax Net annual pay Effective rate
$75,000 $7,670 $5,738 $1,346 $60,246 19.7%
$100,000 $13,170 $7,650 $2,034 $77,146 22.9%

How Ohio taxes your income in 2026

Ohio's 2025 budget (HB 96) eliminated the top 3.5% bracket, leaving a flat 2.75% on taxable income above $26,050 — and 0% below it. That makes Ohio the newest member of the flat-tax club. Ohio also provides a personal exemption of $2,400 per person for incomes under $40,000 (smaller amounts at higher incomes), which this calculator approximates. The state rate alone is low; the local picture below is where Ohio gets complicated.

City income taxes are the real Ohio story

More than 600 Ohio municipalities levy income taxes, typically 1%–3%: Columbus and Cleveland charge 2.5%, Cincinnati 1.8%, Toledo 2.5%, Dayton 2.5%. Many smaller cities and even some school districts add their own. Combined state-plus-local rates in Ohio's big metros commonly reach 5%+. Social Security benefits are exempt from Ohio tax, and retirement income qualifies for credits.

What this calculator includes (and excludes)

This estimate covers federal income tax, FICA, and Ohio's 2.75% state tax (0% on the first $26,050). It does not include municipal or school-district income taxes — which add 1%–3% for most Ohio workers — the personal exemption, retirement credits, or itemized deductions. Your actual take-home pay will be lower than shown once local taxes apply. Figures are estimates, not tax advice.

Frequently asked questions

What is the Ohio income tax rate in 2026? ▼
Ohio is now a flat-tax state: 0% on the first $26,050 of taxable income and 2.75% above it. The 3.5% top bracket was eliminated by the 2025 budget (HB 96).
Does Ohio have city income taxes? ▼
Yes — more than 600 municipalities levy them, usually 1%–3%. Columbus, Cleveland, Toledo, and Dayton charge 2.5%; Cincinnati 1.8%. This calculator shows the 2.75% state tax only.
Does Ohio tax Social Security benefits? ▼
No. Social Security benefits are fully exempt from Ohio income tax, and Ohio offers retirement-income and senior-citizen credits for other retirement income.
How much is $75,000 after taxes in Ohio? ▼
A single filer earning $75,000 pays roughly $1,346 in Ohio state income tax and takes home about $60,246 per year after federal tax, FICA, and state tax — before city income tax, which typically adds $750–$2,250. See the example table above.
When did Ohio become a flat-tax state? ▼
With the 2025 budget bill (HB 96), effective for tax year 2026. Ohio consolidated its brackets into a single 2.75% rate above $26,050, continuing a decade-long trend of rate cuts.

Data sources

Reviewed by the PayFigi research team. Last verified: 2026-07-27. These figures are estimates for informational purposes only and are not tax advice; consult a tax professional for advice specific to your situation.