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Tax Year 2026Updated July 20, 2026

Ohio Paycheck Calculator 2026

This calculator estimates your take-home pay as a Ohio worker after federal income tax, FICA, and Ohio's 2-bracket graduated income tax (rates from 0.00% to 2.75%). Enter your salary, pay frequency, and filing status below.

Ohio Income Tax Brackets 2026

Taxable IncomeRate
$0 - $26,0500.00%
Over $26,0502.75%

Source: Ohio Tax Authority

Some cities levy their own local income or wage taxes. Retirees may benefit from partial pension income exclusions.

Ohio Personal Exemption System

Instead of a standard deduction, Ohio uses a personal exemption system. The exemption is $2,400 for single filers and $4,800 for married filing jointly. This amount is subtracted from your gross income before Ohio's graduated tax brackets are applied. The personal exemption may phase out at higher income levels.

How Your Ohio Paycheck Is Calculated

  1. Gross pay: Your annual salary divided by the number of pay periods.
  2. Federal income tax: 2026 progressive brackets (10%-37%) after the federal standard deduction of $16,100 (single) or $32,200 (MFJ).
  3. Social Security: 6.2% on wages up to $184,500.
  4. Medicare: 1.45% on all wages, plus 0.9% above $200,000 (single).
  5. Ohio state income tax: 2-bracket progressive system (0.00% to 2.75%).
  6. Local income tax: Some cities in Ohio levy their own income or wage tax (not modeled in this calculator).

Local Income Taxes in Ohio

Many Ohio municipalities impose local income taxes, typically ranging from 1% to 3%. Notable rates include: Columbus 2.5%, Cleveland 2.5%, Cincinnati 1.8%, Akron 2.5%. Ohio's Regional Income Tax Agency (RITA) and Central Collection Agency (CCA) administer collections for many cities. Municipal taxes are not modeled in this calculator.

Note: This calculator does not include local or city income taxes. If you live or work in a jurisdiction with a local tax, your actual take-home pay will be lower than the estimate shown.

Retirement Income in Ohio

Ohio offers a partial exclusion for pension and retirement income. Some retirement income may be exempt or receive preferential treatment depending on the source and amount. verified_primary_snippet - Ohio does not tax Social Security benefits. Ohio provides a retirement income credit for pension and other retirement income. A lump-sum retirement credit and senior citizen credit are also available; confirm on direct access

Worked Examples

Example 1: $110,000/year - Head of Household, Semi-monthly

Profile: $110,000 annual salary, Head of Household filer, paid semimonthly (24 paychecks/year)

Gross per period: $4,583.33
Federal income tax: -$491.17
Social Security: -$284.17
Medicare: -$66.46
Ohio state income tax: -$96.19
Net take-home pay: $3,645.34 per paycheck ($87,488/year)
Effective total tax rate: 20.47%

Example 2: $48,000/year - Married Filing Jointly, Weekly

Profile: $48,000 annual salary, Married Filing Jointly filer, paid weekly (52 paychecks/year)

Gross per period: $923.08
Federal income tax: -$30.38
Social Security: -$57.23
Medicare: -$13.38
Ohio state income tax: -$11.61
Net take-home pay: $810.48 per paycheck ($42,145/year)
Effective total tax rate: 12.20%

Example 3: $62,000/year - Single, Biweekly

Profile: $62,000 annual salary, Single filer, paid biweekly (26 paychecks/year)

Gross per period: $2,384.62
Federal income tax: -$202.31
Social Security: -$147.85
Medicare: -$34.58
Ohio state income tax: -$38.02
Net take-home pay: $1,961.86 per paycheck ($51,008/year)
Effective total tax rate: 17.73%

Ohio Tax Notes

  • Graduated brackets: 2 brackets from 0.00% to 2.75%.
  • Supplemental withholding rate: 2.75% for bonuses and supplemental wages.
  • Local income taxes: Some Ohio cities levy their own income or wage tax (not modeled here).

OBBBA Conformity

Ohio conforms to the federal OBBBA deductions for tips and overtime. These deductions reduce both your federal and Ohio state taxable income.

Frequently Asked Questions

What taxes are deducted from my Ohio paycheck?
Your Ohio paycheck has deductions for federal income tax (10%-37%), FICA (Social Security + Medicare), and Ohio state income tax using graduated brackets (2 brackets). Local/county taxes may also apply depending on where you live.
How accurate is this paycheck calculator?
This calculator estimates take-home pay using 2026 federal and Ohio state tax rates. It models federal income tax, FICA, and state income tax. It does not include pre-tax deductions (401(k), HSA, health insurance premiums), post-tax deductions, or state-specific payroll taxes (disability insurance, paid leave). Your actual paycheck may differ.
How do Ohio's income tax brackets work?
Ohio uses a graduated (progressive) income tax with 2 brackets. Each bracket applies only to income within that range, not your entire income. For example, if you earn enough to reach the third bracket, only the income above the second bracket's threshold is taxed at the third bracket's rate.
What tax bracket am I in for Ohio?
Your Ohio bracket depends on your taxable income (after deductions) and filing status. The calculator above shows your effective state tax rate, which is usually lower than your marginal bracket rate because lower portions of your income are taxed at lower rates.
How does local income tax affect my Ohio paycheck?
Some cities and municipalities in Ohio impose their own income or wage taxes in addition to the state tax. Many Ohio municipalities impose local income taxes, typically ranging from 1% to 3%. Notable rates include: Columbus 2.5%, Cleveland 2.5%, Cincinnati 1.8%, Akron 2.5%. Ohio's Regional Income Tax Agency (RITA) and Central Collection Agency (CCA) administer collections for many cities. Municipal taxes are not modeled in this calculator. These local taxes are not included in this calculator's estimate, so your actual take-home pay may be lower if you work or live in a jurisdiction with local taxes.
Is my pension or retirement income taxed in Ohio?
Ohio offers a partial exclusion for pension and retirement income. Some retirement income may be exempt or receive preferential treatment depending on the source and amount. Social Security benefits are not taxed at the state level.
How are bonuses and supplemental wages taxed in Ohio?
Ohio withholds state tax on bonuses, commissions, and other supplemental wages at a flat rate of 2.75%. This may differ from your regular withholding rate. At the federal level, supplemental wages are typically withheld at a flat 22% (or 37% above $1 million).
Does Ohio conform to the OBBBA overtime and tips deductions?
Yes. Ohio conforms to the federal OBBBA deductions for tips and overtime. These deductions reduce both your federal and Ohio state taxable income, giving you a double benefit.