Ohio taxes wages at a flat 2.75% state rate in 2026 — the same rate whatever you earn — on top of federal income tax and FICA. Use the calculators below to see your exact 2026 take-home pay in Ohio, check the sales tax on a purchase, and estimate a mortgage payment with Ohio property taxes factored in.
State Paycheck Calculator 2026
Estimate take-home pay after federal tax, FICA and your state’s income tax for the 2026 tax year.
How it works: the 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly) comes off your salary first, then the 2026 federal brackets (10%–37%). FICA is applied properly: 6.2% Social Security on the first $184,500 of wages (2026 wage base), 1.45% Medicare on all wages, plus 0.9% additional Medicare on wages above $200,000 single / $250,000 married filing jointly. State tax applies each state’s own standard deduction/exemptions, then its brackets or flat rate. Local income taxes are not included — many cities and counties (e.g. New York City, Philadelphia, most of Ohio, Maryland counties, Indiana counties, Kentucky) levy their own payroll taxes on top of the state tax.
Ohio sales tax calculator
The statewide base sales tax rate in Ohio is 5.75% in 2026. Cities and counties can add their own local tax on top of the base rate — enter any local add-on below to see the full tax and total price.
Sales Tax Calculator 2026
Estimate the sales tax and total price using each state’s base rate (2026), plus any local add-on.
State base rates are the 2026 state-level rates (local add-ons excluded). Actual combined rates vary widely by city and county — many localities add 1–5%. Five states have no statewide sales tax (Alaska, Delaware, Montana, New Hampshire, Oregon), though some localities still levy local taxes.
Mortgage calculator for Ohio homes
The average effective property tax rate in Ohio is about 1.31% of a home’s value per year. When you use the mortgage calculator below, enter roughly that percentage of the home price in the yearly property tax field for a realistic Ohio monthly payment.
Mortgage Payment Calculator
Work out your monthly principal & interest payment, total interest and the true total cost of your loan.
How it works: your loan amount (price minus down payment) is repaid in equal monthly instalments using the standard amortisation formula, so early payments are mostly interest and later ones mostly principal. Property tax and insurance, if entered, are simply spread evenly across each month. Your actual rate and payment will depend on your lender, credit profile and the deal you choose.
Ohio just flattened its income tax. From January 1, 2026, there’s one rate — 2.75% — and it only applies to income above $26,050. On a $75,000 salary the state takes $1,280.13, an effective rate of 1.71%. Then the city you live in sends its own bill. Ohio’s real paycheck story isn’t Columbus’s statehouse math at all: it’s the municipal income taxes, charged by hundreds of cities and averaging about 1.2% of income, that most Ohio workers never see coming.
Income tax in Ohio in 2026
Under the 2025 tax law (HB 96), Ohio replaced its graduated brackets with a simple two-line structure for 2026: 0% on the first $26,050 of Ohio taxable income, and 2.75% on everything above it. Note that Ohio has no standard deduction — the zero-rate band does that job instead.
On top of the band, you get a personal exemption: $2,400 if your income is $40,000 or less, stepping down as income rises and vanishing entirely at very high incomes. The calculator on this page applies the $2,400 figure, so higher earners should treat their result as a close estimate — the exemption slide is worth a few dollars, not hundreds.
Now the part the state rate hides. Ohio cities levy their own income taxes almost everywhere: Columbus, Cleveland and Cincinnati all charge around 2% to 2.5%, and some school districts add an income tax of their own. These local taxes are not in the $1,280.13 figure below, and for most Ohioans they rival or exceed the state bill. A realistic Ohio paycheck usually carries both.
Worked example: $75,000 salary, single filer
Step 1 — Federal tax. $75,000 − $16,100 standard deduction = $58,900 taxable, giving $7,670.00.
Step 2 — FICA. Social Security and Medicare: $5,737.50.
Step 3 — Ohio state tax. $75,000 − $2,400 personal exemption = $72,600 of Ohio taxable income. The first $26,050 is taxed at 0%. The remaining $46,550 at 2.75% comes to $1,280.13.
Step 4 — Take-home pay. $75,000 − $7,670.00 − $5,737.50 − $1,280.13 = $60,312.38 a year, or about $2,319.71 bi-weekly — before your city’s tax. Work in Columbus at its municipal rate and you can knock roughly another $1,500 or so off that annual figure. The state part of Ohio’s tax burden is now genuinely small; the local part is the tax nobody warns you about.
Sales tax in Ohio
The state rate is 5.75% — a $1,000 purchase carries $57.50 of state tax — and every county adds a piggyback tax of its own, pushing combined rates at most registers to somewhere between 6.5% and 8%. The calculator on this page starts from the 5.75% state base.
Ohio does exempt most groceries bought for home consumption, which trims the tax on the weekly shop even though restaurant meals pay in full. It’s one of the kinder features of an otherwise layered system.
Property tax in Ohio
Ohio’s average effective property tax rate is 1.31%, so a $300,000 home runs about $3,930 a year. Above the national average, and it funds the schools — which is exactly why Ohio property tax fights are really school funding fights.
One mechanic surprises newcomers: Ohio reappraises property on a cycle, and in hot housing markets the tax bill can jump even when the rate hasn’t changed, because the bill follows the value. Two otherwise identical suburbs can also produce very different bills thanks to different school levies. When you’re comparing houses across a district line, you’re also comparing tax bills — sometimes thousands apart.
Frequently asked questions
Is Ohio’s income tax really flat now?
Yes, from 2026. One rate of 2.75% applies to taxable income above the $26,050 zero band. Before this law, Ohio had graduated brackets topping out at 3.5% — older guides showing those brackets are out of date.
Why does my Ohio paycheck show two state-looking deductions?
One is the state tax, the other is almost certainly your municipal income tax. Ohio cities withhold where you work, and many residents owe a top-up where they live if the rates differ. That second line surprises more new Ohioans than any other.
Does Ohio tax Social Security or military retirement pay?
Social Security is exempt, and military retirement pay is fully exempt too. Regular pension and 401(k) income is taxable, with a modest retirement income credit for lower-income retirees.
What about the school district income tax?
Roughly 200 Ohio school districts levy one, either on the same base as the state tax or on earned income only. It shows up on your state return. Whether your district has one depends entirely on your address.
Start with the state number — put your salary in the Ohio paycheck calculator above — then subtract your city’s rate for the honest figure. Nobody in Ohio pays just the state tax, and budgeting like you do is how budgets break.
These calculators are for guidance only and aren’t financial advice.