Do Ohio cities have their own income tax?

Yes. Most Ohio cities levy a municipal income tax of 1-2.5% on gross wages. Columbus, Cleveland, Toledo, and Akron charge 2.5%. Dayton charges 2.25%. Cincinnati charges 1.8%. This is on top of the 2.75% state tax and can significantly affect your take-home pay.

What is the Columbus Ohio income tax rate?

Columbus levies a 2.5% municipal income tax on gross wages. On an $80,000 salary, that's $2,000 in city tax alone — nearly double the $1,051 Ohio state tax. Columbus residents who work outside the city may receive credit for taxes paid to their work city.

How much take-home pay on $80K in Ohio?

On $80,000 filing single in Columbus (2.5% city tax): federal $8,872, OH state $1,051, Columbus city $2,000, Social Security $4,960, Medicare $1,160. Annual take-home: $61,957 ($2,383/biweekly). Without city tax: $63,957.

Ohio Paycheck Calculator 2026

Q: What is the Ohio income tax rate in 2026?

Ohio has a flat 2.75% income tax on taxable income above $26,050. Taxable income is your gross salary minus the federal standard deduction ($15,750 single / $31,500 MFJ). If your taxable income is $26,050 or less, you owe zero Ohio state tax.

2.75% flat state tax above $26,050 — but your city may add 1-2.5% more. Select your city to see your real take-home.

Gross annual salary

Pay frequency

Filing status

Ohio city (municipal tax)Most Ohio cities levy 1-2.5% local income tax on gross wages

Take-home per paycheck (biweekly)

$2,376.17

Gross pay (annual)$80,000

Deductions (annual)

Federal income tax−$9,049

OH state tax (2.75% above $26K)−$1,051

Municipal tax (Columbus (2.5%))−$2,000

Social Security (6.2%)−$4,960

Medicare (1.45%)−$1,160

Summary

Annual take-home$61,781

Effective total tax rate22.8%

You keep per dollar77 cents

Calculate for other states

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2026 federal + OH state tax rates · Updated April 2026

How to Use This Calculator

Tab "Take-Home Pay"

Enter your gross annual salary, pay frequency, and filing status. Select your Ohio city from the dropdown to include municipal income tax — Columbus, Cleveland, Toledo, and Akron charge 2.5%, Dayton 2.25%, Cincinnati 1.8%. If your city isn't listed, choose "None / Other" and enter the rate manually. Under "More options," add 401(k) contributions and health insurance premiums to see the impact of pre-tax deductions.

Tab "Tax Breakdown"

See a visual pie chart showing exactly where your money goes — federal tax, Ohio's 2.75% flat state tax, city municipal tax, Social Security, and Medicare. The chart updates instantly as you change inputs.

Tab "Compare Filing Status"

Compare Single vs Married Filing Jointly vs Head of Household side by side. Ohio's flat 2.75% rate doesn't change by filing status, so the difference is driven entirely by federal brackets and standard deductions. MFJ doubles the 10% and 12% bracket widths, which can save thousands.

The Formulas

Federal Income Tax (2026 brackets):
1. Taxable income = Gross salary - Pre-tax deductions - Standard deduction ($15,750 Single / $31,500 MFJ / $23,500 HoH)
2. Apply progressive brackets (10% to 37%)

Ohio State Income Tax:
OH taxable = Gross - Standard deduction
If OH taxable ≤ $26,050: state tax = $0
If OH taxable > $26,050: state tax = (OH taxable - $26,050) x 2.75%

City Municipal Tax:
Municipal tax = Gross salary x City rate (typically 1-2.5%)
Columbus/Cleveland/Toledo/Akron: 2.5% | Dayton: 2.25% | Cincinnati: 1.8%
Municipal tax is on gross wages — no deductions apply.

FICA (Federal Insurance Contributions Act):
Social Security = 6.2% x min(Wages, $184,500)
Medicare = 1.45% x Wages
Additional Medicare = 0.9% x max(0, Wages - $200,000)

All figures use 2026 IRS rates. Ohio rate from tax.ohio.gov (flat 2.75% effective 2023, retained for 2026). City rates from respective municipal tax departments.

Example

$80,000 salary, Single, Columbus (2.5% city tax)

Filing Single. No pre-tax deductions. OH taxable income = $80,000 - $15,750 std deduction = $64,250. State tax = ($64,250 - $26,050) x 2.75% = $1,051.

Gross annual salary$80,000

Federal income tax-$8,872

Ohio state tax (2.75%)-$1,051

Columbus municipal tax (2.5%)-$2,000

Social Security (6.2%)-$4,960

Medicare (1.45%)-$1,160

Annual take-home$61,957

Biweekly paycheck$2,383

Without the Columbus city tax, take-home rises to $63,957 — a $2,000/year difference. The city tax is often the most surprising deduction for Ohio workers, frequently exceeding the state tax itself.

Frequently Asked Questions

How does Ohio's flat tax work?▼

Ohio simplified its income tax to a flat 2.75% on taxable income above $26,050. Your Ohio taxable income is your gross salary minus the federal standard deduction ($15,750 for single filers). If that number is $26,050 or less, you owe zero state income tax. This replaced the previous multi-bracket progressive system. For example, on $80,000 single: taxable = $64,250, state tax = ($64,250 - $26,050) x 2.75% = $1,051.

Why is municipal tax so significant in Ohio?▼

Ohio is one of the few states where cities levy their own income tax — and the rates are substantial. Columbus, Cleveland, Toledo, and Akron charge 2.5%, which on an $80,000 salary means $2,000 in city tax alone. That's nearly double the state tax ($1,051). Many Ohio workers are surprised to find their city tax exceeds their state tax. Unlike state tax, municipal tax is calculated on gross wages with no deductions or exemption threshold.

Do I pay city tax where I live or where I work?▼

Generally, you pay city income tax to the city where you work. If you also live in a different Ohio city with its own income tax, you may owe tax to both — but most cities offer a credit for taxes paid to your work city. The credit typically covers all or most of the work-city tax, so you usually don't pay full tax to both cities. Check your specific cities' ordinances for exact credit rules.

What is the Ohio school district income tax?▼

Some Ohio school districts levy an additional income tax of 0.5% to 2% to fund local schools. Not all districts have this tax — it depends on whether voters approved a levy. There are two types: "traditional" (based on Ohio taxable income) and "earned income" (based on wages and self-employment income). Check tax.ohio.gov for your district's rate and type.

How does Ohio compare to no-tax states like Texas or Florida?▼

On an $80,000 salary filing single, Ohio workers pay roughly $1,051 in state tax plus $0-$2,000 in city tax — a total of $1,051 to $3,051 more than Texas or Florida residents. However, Ohio has lower property taxes than Texas (average 1.36% vs 1.60%) and a significantly lower cost of living than many Florida or Texas metros. The full picture depends on where you live, whether you own property, and your total financial situation.

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