This Ohio paycheck calculator estimates your 2026 take-home pay after federal income tax, Social Security, Medicare, Ohio income tax and your city or village income tax. From 2026, Ohio taxes wages at a single rate of 2.75% on income over $26,050.
Ohio income tax in 2026
| Ohio taxable income | 2025 | 2026 |
|---|---|---|
| Up to $26,050 | 0% | 0% |
| $26,051 – $100,000 | 2.75% | 2.75% |
| Over $100,000 | 3.125% | 2.75% |
The change comes from House Bill 96, Ohio’s 2025 budget law. Ohio taxable income is federal AGI minus personal exemptions of $2,400 each if your income is $40,000 or less, $2,150 up to $80,000 and $1,900 above that.
2026 federal taxes on every paycheck
| Rate | Single | Married filing jointly | Head of household |
|---|---|---|---|
| 10% | $0 – $12,400 | $0 – $24,800 | $0 – $17,700 |
| 12% | $12,401 – $50,400 | $24,801 – $100,800 | $17,701 – $67,450 |
| 22% | $50,401 – $105,700 | $100,801 – $211,400 | $67,451 – $105,700 |
| 24% | $105,701 – $201,775 | $211,401 – $403,550 | $105,701 – $201,750 |
| 32% | $201,776 – $256,225 | $403,551 – $512,450 | $201,751 – $256,200 |
| 35% | $256,226 – $640,600 | $512,451 – $768,700 | $256,201 – $640,600 |
| 37% | Over $640,600 | Over $768,700 | Over $640,600 |
The 2026 federal standard deduction is $16,100 single, $32,200 married filing jointly and $24,150 head of household. Social Security is 6.2% of wages up to $184,500, and Medicare is 1.45% of all wages plus 0.9% on wages over $200,000.
Worked example
A single employee earning $75,000, paid every two weeks, with 5% going to a 401(k) and $2,400 a year in pre-tax health premiums in Ohio takes home about $2,092.66 per paycheck, or $54,409 a year (using the local rate shown in the calculator).
Ohio city income taxes
Most Ohio cities and villages tax wages, commonly at 1.5% to 2.5%. Columbus and Cleveland charge 2.5%, for example. Some school districts also levy an income tax. Enter your combined local rate in the calculator; your employer withholds the tax for the city where you work, and you may owe or get credit from your home city.
How to raise your take-home pay
- Check your federal Form W-4 and Ohio withholding form so you are not over-withheld.
- Use pre-tax benefits such as a health savings account (HSA) or flexible spending account.
- Remember that 401(k) contributions lower your paycheck today but also lower your taxable income.
Frequently asked questions
What is the Ohio income tax rate for 2026?
A flat 2.75% on taxable income above $26,050. Income up to $26,050 is not taxed.
Do I pay city income tax in Ohio?
Usually yes. Most Ohio municipalities tax wages, commonly at 1.5% to 2.5%.
Does a 401(k) reduce Ohio income tax?
Yes for state tax, because Ohio starts from federal AGI. Most Ohio cities, however, tax wages before 401(k) deferrals.
How do I change my withholding?
Give your employer a new federal Form W-4 and, if needed, a new Ohio withholding certificate. The IRS Tax Withholding Estimator can help you choose the right entries.
Related calculators
Sources
- EY Tax News: Ohio 2026 flat 2.75% tax and withholding tables
- Ohio Department of Taxation: Individual income tax
- IRS Revenue Procedure 2025-32 (2026 federal brackets)
Last reviewed: October 2026. For information only; not financial, tax or legal advice. Results are estimates.