Ohio Take-Home Pay Calculator
Estimate your Ohio paycheck using Ohio's simplified 2025 state tax brackets — with a 0% rate on the first $26,050 — plus federal income tax and FICA.
What comes out of an Ohio paycheck
Ohio has dramatically simplified its state income tax in recent years, cutting the number of brackets from nine down to just three for 2025. The bottom bracket is now taxed at 0%, meaning a meaningful slice of every Ohioan's income — the first $26,050 — isn't taxed by the state at all.
Ohio 2025 state tax brackets
| Taxable income | Rate |
|---|---|
| $0 – $26,050 | 0% |
| $26,050 – $100,000 | 2.75% |
| Over $100,000 | 3.125% |
These thresholds apply the same way regardless of filing status — Ohio does not use separate brackets for married filing jointly.
OH-taxable income after $4,000 pre-tax: $76,000. First $26,050 taxed at 0% = $0. Remaining $49,950 taxed at 2.75% = $1,374.
Federal tax (on $61,000 taxable) ≈ $8,334 · Ohio state tax ≈ $1,374 · Social Security $4,960 · Medicare $1,160.
Annual take-home ≈ $60,172 → about $2,314 per biweekly paycheck (75.2% of gross) — before any local municipal tax.
Ohio's municipal income tax — the part the state rate doesn't show
Ohio's low state rate tells only half the story. Most Ohio cities and villages — including Columbus, Cleveland, and Cincinnati — levy their own municipal income tax, typically 1% to 3%, and some municipalities apply this to both residents and people who merely work there (with credits to avoid full double taxation if you live in one city and work in another). Because Ohio has hundreds of municipalities each with their own rate, this calculator intentionally shows state tax only — check your city's income tax department or your pay stub's "local tax" line for your actual combined rate.
Common mistakes when estimating Ohio take-home pay
- Forgetting municipal tax entirely. A low 2.75%-3.125% state rate can understate total tax significantly once a 1%-3% city tax is added.
- Applying the state rate to the full $26,050 0%-bracket income. Ohio's 0% bracket means the first portion of taxable income owes no state tax — treating it as taxed overstates the bill.
- Assuming married-filing-jointly gets different Ohio brackets. Ohio uses the same thresholds regardless of filing status, unlike federal tax.
Frequently asked questions
What are Ohio's state income tax rates?
For 2025: 0% up to $26,050, 2.75% from $26,050 to $100,000, and 3.125% above $100,000.
Does Ohio have local city income tax?
Yes — most Ohio cities, including Columbus, Cleveland, and Cincinnati, levy their own municipal income tax of roughly 1%-3% on top of the state rate.
Why does Ohio have a 0% tax bracket?
Ohio has phased in tax cuts, reducing the lowest bracket to 0% so the first roughly $26,000 of taxable income isn't taxed by the state.
Do Ohio brackets differ by filing status?
No — Ohio applies the same bracket thresholds to single filers and married couples filing jointly.
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Note: Simplified estimate using 2025 state and federal figures; excludes local municipal tax, credits, and benefit specifics. Not tax advice. Figures: 2025 Ohio and federal tax year. Last reviewed: September 2026.