Ohio Paycheck Calculator
Calculate your take-home pay after federal, Ohio state, and municipal taxes. Ohio uses progressive brackets from 0% to 3.125% with a generous $26,050 tax-free threshold. Don't forget to add your municipal tax rate!
Ohio Paycheck Calculator
2025 tax year · estimate
How Ohio taxes your paycheck
Ohio uses a progressive income tax system with 3 brackets for 2025. The first $26,050 of income is tax-free, making Ohio favorable for lower- and middle-income earners.
- Annualize your gross pay
- Subtract pre-tax deductions (401k, health insurance, HSA)
- Subtract personal exemptions ($650 each)
- Apply the progressive tax brackets
- Divide by your number of pay periods
In addition to state income tax, Ohio employees also pay:
- Federal income tax (10%–37%)
- Social Security (6.2% up to $176,100)
- Medicare (1.45% + 0.9% over $200k)
- Municipal income tax (varies by city, typically 1%–2.5%)
Ohio tax rates — all filers (2025)
Source: Ohio Department of Taxation. Same brackets for all filing statuses.
| Taxable Income | Rate | Tax Owed |
|---|---|---|
| $0 – $26,050 | 0% | $0 (exempt) |
| $26,051 – $100,000 | 2.75% | $0 + 2.75% of amount over $26,050 |
| Over $100,000 | 3.125% | $2,033.63 + 3.125% of amount over $100,000 |
Personal exemption: $650 per exemption (claimed on Ohio IT-4)
Ohio municipal income tax rates
Common cities — check RITA or your city for exact rates
| City | Tax Rate | Notes |
|---|---|---|
| Columbus | 2.5% | Largest city in Ohio |
| Cleveland | 2.5% | Administered by CCA |
| Cincinnati | 1.8% | Lower than Columbus/Cleveland |
| Toledo | 2.5% | Same rate as Columbus |
| Akron | 2.5% | Administered by RITA |
| Dayton | 2.5% | Among highest in Ohio |
| Canton | 2.5% | Administered by RITA |
| Youngstown | 2.75% | One of the highest in Ohio |
Example: $3,000 biweekly paycheck in Ohio
Scenario: Single, 1 exemption, $200 401(k), $150 health insurance, 2.5% municipal tax (Columbus)
OH state tax uses $650 exemption. Municipal tax is on gross pay. Amounts are per pay period.
Who uses this calculator
Ohio employees
Verify your paycheck accuracy including state and municipal withholding.
Job seekers
Compare offers across Ohio cities — municipal tax rates vary significantly (1.8%–2.75%).
Payroll admins
Cross-check OH progressive brackets and RITA/CCA municipal tax calculations.
Columbus/Cleveland workers
Understand the 2.5% municipal tax on top of state tax and plan your budget.
Remote workers in OH
Municipal tax depends on where you work. Remote work may affect which city taxes you.
People relocating to OH
Understand the full tax picture — state brackets, municipal tax, and school district tax.
Frequently asked questions
How is Ohio state income tax calculated?
Ohio uses a progressive system with 3 brackets for 2025. The first $26,050 is tax-free (0% bracket). Income from $26,051–$100,000 is taxed at 2.75%. Income over $100,000 is taxed at 3.125%. Personal exemptions of $650 each further reduce your taxable income.
What are Ohio personal exemptions?
Each exemption reduces your Ohio taxable income by $650. You claim exemptions on your Ohio IT-4 form. This is separate from federal allowances.
Does Ohio have local/municipal income taxes?
Yes. Most Ohio cities and many villages levy a municipal income tax, typically between 1% and 3%. Columbus and Cleveland are both 2.5%. Cincinnati is 1.8%. Your rate depends on where you live and work. Many municipalities participate in RITA (Regional Income Tax Agency).
Is 401(k) pre-tax for Ohio state income tax?
Yes. 401(k) contributions are pre-tax for both federal and Ohio state income tax, reducing your taxable income for both calculations.
What is the Ohio school district income tax?
Some Ohio school districts levy an additional income tax (0.25%–2.25%) on top of the state and municipal taxes. Not all districts have this tax. Check with your school district or use the Ohio Department of Taxation lookup tool.
Is Ohio moving to a flat tax?
Ohio has been reducing brackets over the years. For 2025, the first $26,050 is effectively exempt. There are discussions about moving to a flat rate, but for 2025, the progressive system with 3 brackets remains in effect.
How accurate is this calculator?
This calculator provides a close estimate based on 2025 Ohio tax rates and standard withholding formulas. Your actual paycheck may vary based on your employer's payroll system, year-to-date earnings, and IT-4 elections. Municipal tax is entered manually.
How does Ohio compare to neighboring states?
Ohio's top rate (3.125%) is lower than many neighbors. Indiana has a flat 3.05%. Michigan has a flat 4.25%. West Virginia ranges 2.36%–5.12%. Pennsylvania is flat at 3.07%. Kentucky is flat at 4.0%. However, Ohio's municipal taxes can add 1%–3% on top.