Ohio Paycheck Calculator 2026
Ohio withholding often shows three lines: state tax, municipal income tax where you work or live (commonly 2% to 2.5%), and sometimes a school district income tax. From 2026 the state rate is a flat 2.75% above $26,050.
Last updated: October 2026
Pay and filing
Annual gross: $65,000
Used to stop Social Security at the $184,500 wage base and to start the extra 0.9% Medicare above $200,000 on this paycheck.
Form W-4
Step 3: $2,200 per child and $500 per other dependent, a year.
For example education or child care credits you expect to claim.
Interest, dividends or other income with no withholding.
Deductions beyond the standard deduction, including deductible IRA contributions.
Retirement and benefits
$3,900 a year, capped at the $24,500 employee limit for 2026.
Traditional contributions lower federal and most state income tax now, but not Social Security or Medicare.
Through payroll, an HSA avoids income tax and FICA. California and New Jersey still tax it.
2026 limit $3,400.
2026 limit $7,500 per household ($3,750 married filing separately).
Paycheck breakdown (biweekly)
Annual summary
Ohio paycheck rules for 2026
| State income tax, 2026 | Flat 2.75% above the first $26,050 of taxable income |
|---|---|
| Deductions before tax | personal exemption $2,400 per person |
| Withholding certificate | Form IT 4 |
| Bonus (supplemental) withholding | No separate flat rate: a bonus is taxed with your regular pay (aggregate method) |
| Mandatory payroll premiums | None for employees |
| Local income taxes | Ohio municipalities levy their own income tax, commonly 1% to 3%, and many school districts add one too. Columbus is 2.5%, Cleveland 2.5%, Cincinnati 1.8%. Municipal tax is often larger than the state tax; the paycheck calculator lets you add it. |
| Reciprocity agreements | Yes, with Indiana, Kentucky, Michigan, Pennsylvania and West Virginia |
| Sales tax (for context) | 5.75% state, 7.29% average combined with local (rank 21 of 51) |
Worked example: $60,000 in Ohio
Single filer, paid every two weeks (26 paychecks), standard W-4, no 401(k) or other benefits.
| Gross pay | $2,307.69 |
| Federal income tax | -$193.08 |
| Social Security (6.2%) | -$143.08 |
| Medicare (1.45%) | -$33.46 |
| Ohio income tax | -$33.63 |
| Take-home pay | $1,904.44 |
Ohio take-home pay at different salaries
Single filer, paid every two weeks, standard W-4, no benefits, no local tax.
| Salary | Per paycheck | Per year | To Ohio |
|---|---|---|---|
| $40,000 | $1,307.78 | $34,002 | $318 |
| $60,000 | $1,904.44 | $49,516 | $875 |
| $100,000 | $2,969.18 | $77,199 | $1,981 |
| $150,000 | $4,247.49 | $110,435 | $3,356 |
Living and working in Ohio
Ohio's state sales tax is 5.75%; with local add-ons the average combined rate is 7.29%, ranked 21 of 51 as of July 2026.
Ohio collapsed to a two-rate structure in 2026 with a 0% band up to $26,050, so many lower earners owe no state tax at state level while still owing municipal tax from the first dollar.
In retirement: Ohio does not tax Social Security, and offers a retirement income credit plus a senior citizen credit, both modest.
Ohio paycheck questions
How much is take-home pay on $60,000 in Ohio?
A single filer paid $60,000 a year every two weeks, with no pre-tax benefits, takes home about $1,904.44 a paycheck in Ohio ($49,516 a year). Each $2,307.69 paycheck loses $193.08 to federal income tax, $176.54 to Social Security and Medicare, $33.63 to Ohio income tax. That is $875 a year less than the same salary in a state with no income tax or payroll premiums.
How much Ohio income tax comes out of each paycheck?
HB 96 made Ohio a flat 2.75% on income over $26,050 from 2026, with 0% below. Most cities and many school districts add their own income tax. On a $60,000 salary that works out to about $33.63 every two weeks, an effective 1.46% of gross pay.
What else does Ohio take out of a paycheck?
Apart from income tax, Ohio requires no other employee payroll deduction, so the remaining lines on your stub are federal income tax, Social Security, Medicare and any benefits you chose.
Are there local income taxes on Ohio paychecks?
Yes. Ohio municipalities levy their own income tax, commonly 1% to 3%, and many school districts add one too. Columbus is 2.5%, Cleveland 2.5%, Cincinnati 1.8%. Municipal tax is often larger than the state tax; the paycheck calculator lets you add it. Choose your city or county in the calculator, or enter its rate under “Other”.
I live in a neighboring state. Will Ohio tax my paycheck?
Not if you live in Indiana, Kentucky, Michigan, Pennsylvania and West Virginia. Ohio has reciprocal agreements with those states, so you can give your employer the state's nonresidence form and have only your home state's tax withheld. Without the form, Ohio tax is withheld anyway and you must file a Ohio return to get it back.
How are bonuses withheld in Ohio?
Federally, a bonus paid separately is usually withheld at a flat 22% (37% on supplemental pay above $1 million in the year). For Ohio: No separate flat rate: a bonus is taxed with your regular pay (aggregate method).
Which form sets my Ohio withholding?
Ohio uses Form IT 4 alongside the federal Form W-4. If you do not file one, your employer uses the state's default setting, usually single with no allowances or adjustments. Update it after marriage, a new child or a second job.