Ohio Paycheck Calculator 2026 – Estimate Your Take-Home Pay
Use our free Ohio Paycheck Calculator to estimate your net pay for the 2026 tax year. This tool acts as an OH net pay calculator by computing Federal withholding, FICA taxes, Ohio state income tax (0% to 3.5%), and mandatory local city income taxes. Ohio is unique with its widespread municipal taxes, making an accurate Ohio tax withholding calculator essential for planning your budget.
- State Tax Rate: 0% – 3.50% (Progressive)
- Local Tax Rate: 0.5% – 3.0% (Depends on City)
- Federal Tax: 10% – 37% (Based on brackets)
- FICA Tax: 7.65% (Federal)
How the Ohio Paycheck Calculator Works
Our Ohio gross to net calculator accounts for the unique state and local tax structure. We start with your gross earnings and subtract:
- Federal Withholding: Based on IRS tax brackets.
- FICA Taxes: Mandatory contributions for Social Security (6.2%) and Medicare (1.45%).
- Ohio State Tax: A progressive state tax rate starting at 0% for low earners and capping at 3.50%.
- Local Income Tax: A municipal tax levied by cities (e.g., Columbus, Cleveland, Cincinnati) ranging from 0.5% to 3%.
Ohio State Income Tax Brackets (2026)
Ohio uses a low progressive income tax system. This makes the Ohio income tax calculator logic favorable for many earners.
Single & Married Filing Jointly Brackets
| Taxable Income Range | Tax Rate |
|---|---|
| $0 – $26,000 | 0.00% |
| $26,001 – $46,100 | 1.40% |
| $46,101 – $92,150 | 2.85% |
| $92,151 – $115,300 | 3.32% |
| $115,301+ | 3.50% |
Note: Brackets are indexed annually. Local taxes are separate and apply on top of these rates.
Federal Taxes That Apply to Your Paycheck
Federal Income Tax
The IRS imposes a progressive tax ranging from 10% to 37%. Your specific rate depends on your filing status and total taxable income.
Social Security & Medicare (FICA)
Every Ohio paystub calculator includes FICA. This deducts 6.2% of your gross pay for Social Security (up to the wage limit) and 1.45% for Medicare (on all earnings).
Ohio Paycheck After Taxes for $60,000 Salary (Columbus Resident)
If you are a single filer in Columbus (2.5% local tax) earning $60,000 per year, your breakdown looks like this:
| Tax Description | Amount |
|---|---|
| Federal Tax (Est.) | $5,900 |
| FICA (7.65%) | $4,590 |
| State Tax (Est.) | $1,200 |
| Local City Tax (2.5%) | $1,500 |
| Estimated Take-Home Pay | $46,810 |
Minimum Wage & Cost of Living
Ohio's minimum wage is indexed to inflation, increasing annually ($10.45+ per hour in 2024/25). The cost of living in Ohio is generally lower than the national average, making it an affordable place to live despite the local taxes.
How to Increase Your Take-Home Pay
To maximize your Ohio salary calculator results, ensure your W-4 form is accurate. Contributing to pre-tax retirement accounts (401k/403b) reduces your taxable income, lowering your federal and state tax liabilities.
FAQs – Ohio Paycheck Calculator
What is the income tax rate in Ohio for 2026?
Ohio state tax rates range from 0% to 3.50%. The first $26,000 of income is tax-free at the state level.
Does Ohio tax overtime pay?
Yes, overtime pay is treated as regular income and is subject to Federal, State, and Local taxes.
Does Ohio have local city taxes?
Yes. Ohio has widespread local municipal income taxes, typically ranging from 0.5% to 3.0%, depending on the city where you live or work (e.g., Columbus, Cleveland, Cincinnati).