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Ohio Paycheck Calculator FAQ
What is Ohio's state income tax rate in 2026?
Ohio completed a multi-year phase-down to a single flat rate for 2026: 0% on the first $26,050 of nonbusiness income, then 2.75% on everything above that — down from 3.125% in 2025 and 3.5% in 2024.
Does this calculator include Ohio city/municipal income tax?
No — and this matters a lot in Ohio. Over 600 Ohio municipalities levy their own income tax, typically 1%-3%, with Columbus, Cleveland, and Akron around 2.5%. For many Ohio taxpayers, city tax exceeds state tax. Check your city's rate at your municipality's finance department or RITA/CCA (Ohio's two major municipal tax collection agencies) — it is not included in this estimate.
How much is take-home pay on $65,000 in Ohio?
On a $65,000 gross salary, a single filer in Ohio takes home roughly $53,368/year (about $4,447/month) after federal tax, FICA, and Ohio's 2.75% state tax — before any city income tax, which can add another 1%-3%.
Methodology & Source
Ohio state tax figures sourced from Ohio Department of Taxation (https://tax.ohio.gov/individual/resources/annual-tax-rates), citing Ohio Rev. Code § 5747.02, as amended by House Bill 96 (FY2026-27 budget) — completion of the multi-year phase-down to a single 2.75% bracket for 2026 (3.5% in 2024, 3.125% in 2025, 2.75% in 2026), with the first $26,050 of nonbusiness income untaxed. Federal brackets, standard deductions (single/MFJ/HoH), and FICA constants sourced from the IRS (Revenue Procedure 2025-32; married-filing-jointly Additional Medicare threshold of $250,000 is a separate, unindexed statutory figure). Ohio's married-filing-jointly and head-of-household figures have been independently verified against the source above.
Local tax figures sourced from Ohio municipal income tax (RITA/CCA/self-administered city tax departments). Rates cross-checked against two independent secondary sources 2026-07-29 (countrytaxcalc.com, tax-rates.org via search synthesis, and cantonohio.gov directly for Canton); tax.ohio.gov could not be reached in this environment (DNS error), same issue already logged in this file's deviation_note. Dayton was excluded — sources disagreed (2.25% vs 2.5%) rather than guessed between. Youngstown, Lorain, and Springfield were excluded for lacking a second independent source. Ohio has 600+ taxing municipalities; only the 7 largest with agreeing rates are covered below. This models a flat rate only — Ohio residents working in a different taxing city than they live in often get a credit against their resident tax for tax paid to their work-city, which this calculator does not compute (it assumes the selected city is both home and work location).
Self-employment tax uses the statutory 15.3% rate (12.4% Social Security + 2.9% Medicare) on 92.35% of net self-employment income, with half of the SE tax deducted from federal taxable income above-the-line — per IRS Schedule SE (Form 1040) instructions, IRC §1401 and §164(f), 2026 edition. The 20% Qualified Business Income deduction (IRC §199A) is not modeled — it phases out by income and business type and is too state/entity-dependent to compute generically. This assumes the self-employment income is your only earnings for the year; if you also have W-2 wages, the Social Security wage-base cap and Additional Medicare threshold are actually based on your combined earnings, so this will overstate SE tax if you have significant wage income too.
This is an estimate based on standard single-filer federal, FICA, and OH state calculations. Actual withholding may differ based on your W-4/IT-4 elections, pre-tax deductions, municipal tax, and other factors. Some early secondary sources disagreed on whether OH 2026 has one bracket or an additional tier above $100,000 — resolved: House Bill 96 (the FY2026-27 state budget) completed the phase-down to a single 2.75% bracket with no additional tier, confirmed by multiple independent sources citing that bill. Direct fetch of tax.ohio.gov failed in this environment (DNS error) both times attempted; re-verify there directly when reachable.
Guideline version: 2026-OH-v1 · Effective: 2026-01-01 · Last verified: 2026-07-26