Ohio State Income Tax Guide (2026)
Ohio has a simplified 3-tier state income tax: 0% on the first $26,050 of taxable income, 2.75% to $100K, and 3.5% above. Top rate is moderate by national standards. The structural complication: most Ohio cities levy a municipal income tax on top of state — Columbus 2.5%, Cleveland 2.5%, Cincinnati 2.1%, Dayton 2.5%, Akron 2.5%, Toledo 2.25%. Suburban Ohio outside city limits often has zero or much lower local tax. The suburb-vs-city decision is the structural variable that actually drives Ohio residential tax math.
Top State Rate
3.5%
$100k Take-Home
$77,589
/year (single)
State Tax on $100k
$1,591
single filer
Ohio Income Tax Brackets (2026)
| Marginal Rate | Taxable Income (All filing statuses) |
|---|---|
| 0% | $0→$26,050 |
| 2.75% | $26,050→$100,000 |
| 3.5% | $100,000→Above $100,000 |
Each rate applies only to income within that bracket. Your effective rate is the average across all brackets — noticeably lower than your top marginal rate.
Brackets reflect the most recently published schedules. Some states inflation-index thresholds annually — specific 2026 amounts may shift slightly. Verify with your state's Department of Revenue before filing.
Want exact numbers for your situation?
The dedicated Ohio paycheck calculator lets you adjust salary, filing status (single, MFJ, HOH, MFS), 401(k) and HSA contributions, dependents, and city/county tax for your exact 2026 take-home figure.
The 30-second version
- 1.Ohio's simplified 3-tier structure (0% / 2.75% / 3.5%) is the result of multi-year reform consolidating from 5+ brackets and a 4.797% top rate. The 0% bracket on the first $26,050 of taxable income is effectively a generous exemption — particularly friendly for low and middle earners.
- 2.About 600 Ohio cities levy municipal income tax. Major rates: Cleveland 2.5%, Columbus 2.5%, Cincinnati 2.1%, Dayton 2.5%, Akron 2.5%, Toledo 2.25%, Youngstown 2.75%. Most administered by RITA (~330 cities) or CCA (Cleveland area). For city residents the local + state stack is the real tax picture — combined 5-6% combined effective rate is typical.
- 3.Suburban Ohio is the structural arbitrage. Townships outside any city's limits often have zero local income tax. A Worthington-resident Columbus worker pays state 2.75-3.5% + Worthington local + Columbus non-resident (with credit) — usually a 1-1.5 point savings versus a Columbus-proper resident. Multiplied across a career, the suburb-vs-city decision dwarfs most other Ohio tax variables.
- 4.Property tax averages ~1.5% effective statewide — above national average due to school-funding mechanism. Cuyahoga (Cleveland) 1.9-2.4%, Franklin (Columbus) 1.6-1.8%, Hamilton (Cincinnati) 1.7-2.0%. Significant variation by school district — Bexley, Shaker Heights, Beachwood, Hudson, Solon have higher rates that fund the better schools.
- 5.Reciprocity with 5 neighbors (IN, KY, MI, PA, WV) makes interstate commuting clean. OH residents working in any of those states owe only OH tax. SS fully exempt at state level. No estate tax (repealed 2013). Pension Income Credit and Senior Citizens Credit modest but real.
A quick hello before we start
Whether you're reading this from a Skyline Chili booth, the Rock and Roll Hall of Fame plaza, or somewhere in The Shoe parking lot on a fall Saturday — this is the last OH-tax page you should need this year. Nothing here is personal tax, legal, or financial advice. Your situation has wrinkles only your CPA can iron out — treat this like a thoughtful friend over a Great Lakes Eliot Ness, not your accountant.
Last reviewed: May 2026 · Reviewed annually each January when new brackets publish
Why you can trust these numbers
Numbers reflect 2026 IRS federal brackets per Rev. Proc. 2025-32, caps per the SSA October 2025 notice, and the current Ohio Department of Taxation 3-tier bracket structure (0% / 2.75% / 3.5%). The calculator at the top models the state rate including the 0% bracket on the first $26,050.
City income taxes are NOT modeled by the calculator. For city residents, add the local tax (typically 1.5-2.75% on gross wages) to the state line. Use RITA's lookup or your municipality's website to verify rates. Reviewed annually each January.
Sources: federal brackets + standard deduction from IRS Rev. Proc. 2025-32; state brackets verified against the Tax Foundation 2026 State Income Tax Rates compilation and the official IT 1040 Individual Income Tax Forms (OH Department of Taxation).
The simplified state structure — and the city tax that compounds it
Ohio's bracket structure has been steadily simplified through multiple legislative cycles over the past decade. The current 3 tiers (0% on the first $26,050 of taxable income, 2.75% from $26,050 to $100,000, 3.5% above $100,000) replace a prior structure with 5+ brackets and a top rate of 4.797%. The 0% bracket on the first $26K functions as Ohio's equivalent of a generous standard deduction — meaningful for low and middle earners, and produces an effective rate at $80K of about 1.5% on the state-only line.
Compared to Midwest neighbors: MI flat 4.25% (MI is higher than OH at low/middle income, similar at high income); IN flat 2.95% + mandatory county piggyback (IN's combined rate is roughly comparable to OH's state-only at moderate county piggyback rates); IL flat 4.95% (IL is appreciably higher than OH at all income levels); PA flat 3.07% but with the non-conformity quirk. OH's state-only structure is genuinely competitive with peer Midwest states — until you add the city tax.
City income tax turns OH into a higher-effective-tax state for urban residents. The Columbus, Cleveland, Cincinnati, Dayton, Akron, and Toledo metros all levy 2.1-2.75% city tax. Smaller cities range 1-2%. RITA (Regional Income Tax Agency, covering roughly 330 Ohio cities) and CCA (Central Collection Agency, covering Cleveland and surrounding municipalities) administer most municipal collections. The structural reality: about 600 Ohio municipalities levy a city income tax, and many that don't are unincorporated townships outside any city limits.
Cities tax gross wages — they generally do NOT honor pre-tax deferral. So while your 401(k) contribution reduces federal taxable income and Ohio state taxable income, your Columbus 2.5% city tax still applies to the full gross. This is the one Ohio quirk that surprises movers from PA (where PA also doesn't honor 401(k) pre-tax) but catches everyone from no-city-tax states off guard.
Suburb-vs-city + the 5-state reciprocity playbook
Suburban-vs-city residence is the single biggest tax variable for Ohio residents who work in major metros. Take Columbus: city tax 2.5% on residents on all income; 2.5% on non-residents working in Columbus on the in-Columbus portion. Suburban Dublin (2.0%), Upper Arlington (2.5%), New Albany (2.0%), Worthington (2.5%), Westerville (2.0%), Hilliard (2.5%), Powell (0.75%), Gahanna (2.5%) — most Columbus-area suburbs levy something, but rates vary. Crucially, many cities offer a credit for taxes paid to the city where the resident works — so a Powell resident working in Columbus pays Columbus 2.5% on in-Columbus workdays, and Powell allows a credit against its 0.75% rate (so the resident essentially pays Columbus's higher rate, but doesn't double up on Powell's).
Township residency is the genuine zero-tax option. A meaningful share of greater Columbus, Cleveland, and Cincinnati workers live in unincorporated townships (Liberty Township in Delaware County, Genoa Township, Olentangy Township, Sharon Township in the Columbus area; Bath Township and Granger Township around Akron; Anderson Township and Pierce Township in Hamilton County). Townships have no city income tax — only the state 0-3.5% plus the city non-resident tax (if applicable) on the in-city workdays. For a $150K Columbus worker living in Liberty Township, that saves about $1,000-$2,000/year versus a Columbus-proper resident on the same comp.
Reciprocity with IN, KY, MI, PA, WV makes Ohio's interstate cross-border commuting clean. OH residents working in any of those states owe only OH tax (state + city if applicable). The most-used corridors: KY-OH (Cincinnati metro Northern Kentucky workers commuting to Ohio offices), PA-OH (Pittsburgh metro Ohio Valley workers), MI-OH (Toledo metro spilling into MI). File the appropriate non-residence certificate with your cross-state employer on day one of the job — skipping it means double-withholding and a credit reconciliation at filing time.
What you'll actually pay — four real-life scenarios
Four scenarios that cover most readers. Find the one closest to you. If none match, the calculator at the top is for you.
Illustrative numbers — single filer unless noted, federal standard deduction, full-year OH residency, W-2 income unless specified. City income tax shown separately because the calculator doesn't model it. Two-earner MFJ households pay more FICA than the calculator shows because each spouse has their own Social Security cap. Ballparks, not invoices.
Scenario 1: Toledo healthcare professional, $72,000
| Federal income tax | ~$5,500 |
| Ohio state income tax (with 0% on first $26K) | ~$1,250 |
| Toledo city income tax (2.25%) | ~$1,620 |
| FICA (Social Security + Medicare) | ~$5,510 |
| Total taxes | ~$13,880 |
| Annual take-home | ~$58,120 |
| Effective state + city rate | ~4.0% |
ProMedica, Mercy Health Toledo, UToledo Medical Center, or one of the Toledo-area manufacturing employers (Owens-Illinois, Jeep Toledo plant). Toledo's 2.25% city tax is noticeably lower than Cleveland or Columbus 2.5%. The 0% bracket on the first $26K of taxable income keeps the OH state line genuinely low at this comp tier — combined state + city is comparable to most Midwest peers despite OH's reputation for being middle-of-pack on tax.
Scenario 2: Cleveland Clinic nurse, $88,000
| Federal income tax | ~$10,800 |
| Ohio state income tax | ~$1,800 |
| Cleveland city income tax (2.5%) | ~$2,200 |
| FICA (Social Security + Medicare) | ~$6,730 |
| Total taxes | ~$21,530 |
| Annual take-home | ~$66,470 |
| Effective state + city rate | ~4.5% |
Cleveland Clinic, University Hospitals, MetroHealth, or one of the Cleveland-area healthcare employers (Progressive Insurance in Mayfield Village, KeyBank, Sherwin-Williams). Cleveland's 2.5% city tax is real — the structural reason a meaningful share of Cleveland Clinic professionals live in Lakewood (1.5% city tax), Rocky River (2.0%), Westlake (1.5%), or further-out suburban townships with zero local tax. The $400-$800/year savings on suburban residency compounds across a career.
Scenario 3: Cincinnati P&G professional, $140,000
| Federal income tax | ~$22,750 |
| Ohio state income tax | ~$3,500 |
| Cincinnati city income tax (2.1%) | ~$2,940 |
| FICA (Social Security + Medicare) | ~$10,700 |
| Total taxes | ~$39,890 |
| Annual take-home | ~$100,110 |
| Effective state + city rate | ~4.6% |
Procter & Gamble (P&G HQ in downtown Cincinnati), Kroger (HQ in downtown Cincinnati), Fifth Third Bank, Cintas, Western & Southern, GE Aerospace (Evendale), or Cincinnati Children's. Cincinnati's 2.1% city tax is the lowest of OH's major metros and noticeably below Cleveland/Columbus's 2.5%. Same comp in Indianapolis (IN flat 2.95% + Marion County 2.02%): $7,000 combined — about $560 more than Cincinnati's $6,440. Cincinnati's low city tax plus very cheap housing (median home ~$240K) is the structural reason P&G's Cincinnati relocations are an easier sell than peer Fortune 500 relocations to higher-tax metros.
Scenario 4: Columbus suburban professional, $180,000 (lives in Liberty Township, works in Columbus)
| Federal income tax | ~$31,500 |
| Ohio state income tax | ~$4,800 |
| Columbus non-resident city tax (2.5% on Columbus workdays) | ~$4,500 |
| Liberty Township local tax | $0 (no township income tax) |
| FICA (Social Security + Medicare) | ~$13,750 |
| Total taxes | ~$54,550 |
| Annual take-home | ~$125,450 |
| Effective state + city rate | ~5.2% |
Common Columbus profile — senior role at Nationwide, JPMorgan Chase Polaris, Cardinal Health, Huntington Bancshares, Bath & Body Works, or one of the Columbus growth-stage tech firms. Living in Liberty Township (Delaware County, no township income tax) and commuting to a downtown Columbus office is the structural workaround that experienced Columbus professionals figure out. The 2.5% Columbus non-resident tax still applies on Columbus workdays, but the absence of a residential city tax adds back about 1-1.5 points versus a Columbus-proper resident at the same comp. Multiplied across a career, the suburb-or-township choice often outweighs every other Ohio tax variable for high earners.
Got the number you came for? Open the calculator at the top — it handles OH's bracket schedule including the 0% bracket. Add your city or township local tax manually. Or keep reading — the property tax and city-tax-arbitrage sections cover where Ohio's real residential math gets made.
Open Ohio calculator →Property tax + the city tax map
Ohio property tax statewide effective average is about 1.5% on market value — above the national average due to heavy reliance on local property tax for K-12 school funding. Approximate effective rates by county: Cuyahoga (Cleveland) 1.9-2.4% (high end of state), Franklin (Columbus) 1.6-1.8%, Hamilton (Cincinnati) 1.7-2.0%, Summit (Akron) 1.7-2.0%, Lucas (Toledo) 1.8-2.1%, Montgomery (Dayton) 1.7-2.0%, Stark (Canton) 1.5-1.8%, Mahoning (Youngstown) 1.7-2.0%.
Significant intra-county variation by school district. Cleveland Heights, Shaker Heights, Beachwood, Solon (Cuyahoga County); Bexley, Upper Arlington, Worthington (Franklin County); Mariemont, Indian Hill (Hamilton County); Hudson, Aurora (Summit and Portage Counties) all have above-average effective rates that fund well-regarded school districts. The trade-off is fairly explicit — high-tax suburbs typically deliver strong public schools that command property value premiums in turn.
City income tax mapping by metro: Cleveland 2.5%, plus surrounding cities Lakewood 1.5%, Rocky River 2.0%, Westlake 1.5%, Strongsville 2.0%, Beachwood 2.0%, Shaker Heights 2.25%. Columbus 2.5%, plus Dublin 2.0%, Upper Arlington 2.5%, Worthington 2.5%, Westerville 2.0%, Powell 0.75%, Hilliard 2.5%, Gahanna 2.5%, New Albany 2.0%. Cincinnati 2.1%, plus Madeira 1.0%, Indian Hill 0.475% (one of the lowest in OH), Wyoming 1.0%, Mariemont 1.25%. The Indian Hill (Cincinnati) and Powell (Columbus) low-rate exceptions are the structural reason both communities command housing premiums that partially offset their lower local tax.
Counties levy a small additional 0.3-1.0% sales tax on top of the 5.75% state. Combined sales tax statewide ranges 6.5-8% by county. No state real estate transfer tax beyond a modest 0.4% conveyance fee. The cap raise to $25K softens the property tax deductibility hit for high earners.
Things financially comfortable Ohioans actually do
If you're earning $100K+ in OH and you're not doing most of these, you may be leaving real money on the table. None of this is exotic. Most of it is 30 minutes of setup once a year and discipline the rest of the year.
- Max your ($24,500 in 2026, $32,500 if 50+) — pre-tax for federal AND OH state. Important caveat: NOT pre-tax for most OH city taxes (cities tax gross wages regardless of 401(k) deferral). The federal + OH state savings still dominate; just don't expect the city tax line to shrink with the 401(k) contribution.
- Max your if you have a qualifying high-deductible plan ($4,400 single / $8,750 family in 2026) — pre-tax for federal AND OH state. Most large OH employers (Cleveland Clinic, P&G, Nationwide, Cardinal Health) offer options. Like , HSA contributions are NOT pre-tax for most city taxes.
- Backdoor Roth IRA + if your employer's supports after-tax contributions with in-plan conversions — P&G, Nationwide, Cardinal Health, Cleveland Clinic, KeyBank, and most large OH employers support some version. Can shelter another $40K-$45K annually beyond the $24,500 employee deferral.
- Suburb-or-township residency optimization — for city-area workers, the most consequential tax decision is whether to live in a city limit (2.0-2.75% city tax on all income), a low-tax suburb (Powell, Indian Hill, Lakewood at 0.5-1.5%), or an unincorporated township with zero local tax. Powell (Delaware County, 0.75% city tax) versus Columbus proper (2.5%) is roughly 1.75 percentage points on every dollar of income — on $150K, that's $2,625/year, every year, for a 20-minute commute differential.
- CollegeAdvantage 529 — Ohio offers a state-tax deduction up to $4,000 per beneficiary per year, with unlimited carryforward of excess contributions. At OH's 2.75-3.5% top bracket, that's $110-$140/year per beneficiary in OH state tax saved. Modest by 529-incentive standards (compare PA's $19K or IN's 20% credit) but worth claiming for families with kids in college planning.
- Senior Citizens Credit ($50-$200 depending on age and income tier) and Pension Income Credit ($200 max) — claim if eligible. Modest dollar amounts but easy wins for filers 65+ with retirement income. Most cities also exempt retirement income from city tax once filers reach 65, which adds appreciably to the retirement-friendly profile.
- Reciprocity certificate filing if you commute across an OH state line. OH-IN, OH-KY, OH-MI, OH-PA, OH-WV all have non-residence certificate filing requirements with your cross-state employer. Skipping it means double-withholding and a credit reconciliation at filing time.
- Property tax homestead exemption (age 65+, disabled veterans, or disabled persons) — reduces taxable value by $25,000 for seniors and disabled, $50,000 for disabled veterans. Apply with your county auditor. Frequently missed by eligible filers.
If you're doing only one thing on this list, start with the for federal + OH state savings, and run the math on suburb-vs-city residency before signing your next lease or mortgage. The Ohio Legislature can't unilaterally reduce city tax rates (that's a municipal decision), but you can move 20 minutes and appreciably reduce your exposure.
Real questions people actually ask
Q: I work in Columbus but live in a suburb. Do I owe Columbus city tax?
Yes, on wages earned for work physically performed in Columbus (Columbus 2.5% non-resident rate). Days physically worked at the Columbus office are Columbus-source income; days worked from your suburban home are subject to your suburb's local tax (if any). Hybrid workers should track workdays carefully. Most Columbus-area suburbs allow a credit for taxes paid to the city of work (capped at the suburb's local rate), so a Worthington resident working in Columbus effectively pays Columbus's 2.5% rather than double-counting against Worthington's 2.5%. A Powell resident working in Columbus pays Columbus's 2.5% on the in-Columbus workdays plus Powell's 0.75% on Powell-source income (work done at home) — usually a modest aggregate around 2.5%.
Q: Why is property tax so high in Ohio?
Ohio funds public schools heavily through local property tax (vs other states using more state-level revenue for school funding). High-quality school districts — Bexley, Shaker Heights, Mason, Hudson, Olentangy, Solon, Sycamore, Indian Hill, Mariemont — have above-average effective rates that pay for the school quality. Lower-quality districts have lower rates but weaker schools. The trade-off is fairly explicit and shows up in property values: high-tax / high-quality-school districts command housing premiums that often more than offset the higher annual mill.
Q: Does Ohio tax my retirement income?
Lightly. Social Security is fully exempt at the state level. The first $26,050 of taxable income falls in the 0% bracket — so retirees with modest IRA / distributions plus Social Security often pay zero or minimal Ohio state tax. Pension income gets a small $200 credit. Senior Citizens Credit ($50-$200 depending on age and income tier). Lump-sum distribution credit for qualifying retirees. Most Ohio cities exempt retirement income from city tax for filers 65+ as well. Net effect: Ohio is appreciably retirement-friendly at moderate retirement-income tiers, comparable to PA and IA for typical retiree households drawing primarily SS + pension + modest IRA distributions.
Q: How does Ohio compare to Michigan for tax?
OH has a more progressive structure (0% up to $26K, then 2.75%/3.5%) versus MI's flat 4.25%. OH is appreciably cheaper than MI for low/middle income earners — the 0% bracket alone saves $1,100/year of state tax versus MI's flat rate at moderate income. For high earners (above $200K), MI's 4.25% flat is roughly comparable to OH's 3.5% top, but Detroit's 2.4% city tax versus Columbus's 2.5% (or Cleveland's 2.5%) makes the practical comparison close. Both states have substantial city tax footprints — OH has more cities levying (~600) but at slightly lower rates on average. Net: OH wins below ~$100K, similar at $100-200K, MI marginally wins above $200K.
Our honest opinion (which is just an opinion)
Quick disclaimer before we get on the soapbox: what follows is one writer's perspective after reading a lot of tax data and talking to a lot of Ohioans. You're encouraged to disagree.
Ohio is a moderate-tax state with one major wrinkle: city taxes. The simplified 3-tier state structure (0%/2.75%/3.5%) is among the more competitive in the Midwest, and the 0% bracket on the first $26,050 is genuinely generous at low and middle income tiers. But the 2.1-2.75% city tax in major metros adds back most of that advantage for urban residents. The structural fix is suburban or township residency where local tax is lower or zero. Combined with retirement-friendly Social Security exemption, reciprocity with 5 neighbors, and a no-estate-tax structure, Ohio is genuinely livable on the tax dimension once the city-tax decision is made deliberately.
The case for staying in (or moving to) Ohio:
- +Simplified 3-tier state structure with 0% bracket on first $26,050 — genuinely friendly at low and middle income
- +Social Security fully exempt at state level; pension and retirement credits modest but real
- +Suburb-or-township residency offers structural city-tax arbitrage — Powell (0.75%), Indian Hill (0.475%), unincorporated townships (0%) versus city-proper 2.0-2.75%
- +No state estate or inheritance tax (estate tax repealed 2013)
- +Reciprocity with IN, KY, MI, PA, WV — clean cross-border commuting
- +Cost of living significantly cheaper than coastal alternatives; Cleveland, Columbus, Cincinnati median homes $240K-$280K
- +Diverse economy: P&G, Kroger, Cleveland Clinic, Procter, Nationwide, Cardinal Health, Sherwin-Williams, KeyBank, Progressive, GE Aerospace, university clusters
The case against:
- −City income tax (2.0-2.75%) compounds state burden appreciably for urban residents
- −Property tax (~1.5% effective) above national average, driven by school-funding mechanism
- −City tax is generally NOT pre-tax for or contributions (cities tax gross wages)
- −Public school quality varies enormously by district — the trade-off is explicit but real
- −Combined state + city stack for major-city residents (~5-6%) erases much of OH's state-only competitive advantage
Honest take: if you're in suburban Columbus, Cleveland, or Cincinnati with a low or zero city tax rate (Powell, Indian Hill, unincorporated township), Ohio is genuinely one of the more competitive Midwest tax jurisdictions — combined burden is moderate and cost of living is excellent. If you're a Columbus, Cleveland, Cincinnati, Dayton, Akron, or Toledo proper resident, the effective rate runs 5-6% combined — comparable to Indianapolis, Detroit-resident, or MN metros, but appreciably below Chicago. For retirees, OH is appreciably friendlier than during the higher-rate pre-reform years and worth a fresh look — the SS exemption, the small pension credit, and the city-tax retirement-income exemption combine into a quietly favorable structure.
If you're considering moving here for a job: Columbus tech salaries (Nationwide, JPMC Polaris) usually compensate at $90K+; Cincinnati P&G / Kroger / Fifth Third salaries compensate at any tier because of dramatically cheaper housing; Cleveland Clinic and University Hospitals professional comp is competitive for healthcare. Always check whether your address is inside a city limit or in a no-tax township before signing the lease — the differential is real money over a career.
Either way: it's your life and your money. We just want you to look at the whole picture instead of the loudest part of it.
What now
Run your numbers in the calculator above. The OH state line uses the full 3-tier schedule including the 0% bracket on the first $26,050.
Add your city or township local tax manually — use RITA's lookup tool, CCA's website (for Cleveland-area), or your municipality's website to verify your specific rate. Hybrid workers should track in-city workdays carefully if your employer is in a higher-tax city than your residence.
If you're 65+, claim the Senior Citizens Credit and Pension Income Credit. The biggest tax mistake most Ohioans make isn't paying too much state tax — it's not factoring city tax into housing decisions, missing the suburb-or-township arbitrage opportunity, or failing to file a reciprocity certificate when commuting across a state line.
Sources & further reading
Where the numbers and rules on this page come from. Verify any claim against the primary source before making a decision based on it.
- →Ohio Department of Taxation — Form IT-1040 instructions and tax tables
- →RITA (Regional Income Tax Agency) — city tax rates and lookup tool
- →CCA (Central Collection Agency) — Cleveland-area city taxes
- →Ohio CollegeAdvantage 529 plan
- →Tax Foundation — annual state-and-local tax burden rankings
- →IRS — federal brackets per Rev. Proc. 2025-32, contribution limits per Notice 2025-67, Publication 17
A few honest notes
Stuff worth keeping in mind:
- Not personal tax, legal, or financial advice. Run your specific numbers by a licensed CPA, EA, or tax attorney before making meaningful decisions.
- Tax law changes. This guide reflects 2026 IRS schedules and current Ohio Department of Taxation rules.
- City income tax rates and rules vary by municipality and change annually — verify your specific city via RITA, CCA, or the municipal website.
- Property tax estimates vary by county and school district — check your county auditor's website.
- Numbers are illustrative. Scenarios don't include every credit, deduction, AMT interaction, NIIT, equity-comp wrinkle, or cross-state complication.
- The calculator above doesn't model city income tax — add yours manually for the accurate combined picture.
- Reading this page does not create a client relationship.
- No judgment regardless of where in the state you're in. Columbus tech workers, Cleveland Clinic professionals, Cincinnati P&G corporate, Dayton manufacturing engineers, Akron rubber industry legacy workers, Toledo glass manufacturers — you're all welcome here.
Last updated May 2026 with current Ohio Department of Taxation 3-tier bracket schedule (0%/2.75%/3.5%), 2026 IRS schedules per Rev. Proc. 2025-32, and current RITA / CCA municipal income tax framework. Numbers assume single filer except where noted. This is journalism with a calculator attached, not tax advice. Be kind to yourself in March.
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