Is Ohio still a three-bracket state in 2026?

No for individuals’ nonbusiness income. ORC §5747.02 for taxable years beginning in 2026 and thereafter is $332 plus 2.75% of the amount over $26,050 (and $0 at or below that floor). The 3.125% band applied to 2025. Some third-party calculators still show the 2025 table.

Why might your Ohio state tax be about $332 low?

The statute adds a $332 base when you are over $26,050. Our verified file walks 0% / 2.75% bands only. We list the base under not modeled until the engine applies it.

Does this include Columbus / Cleveland / RITA local tax?

No. Local municipal and school district income taxes are common on Ohio pay stubs and are not subtracted here. Use your city’s rate or RITA materials for that line, then compare to the estimate.

Is this the same as Ohio withholding on my stub?

Not always. We estimate annual liability from the statute and federal rules, then divide into pay periods. Employers use Ohio withholding tables (and local rules), which can differ slightly from year-end liability.

Rates verified on 2026-10-11

Estimates only

Ohio take-home pay calculator

Tax year 2026 (Jan 1 – Dec 31, 2026)

Region(required)

Gross pay

Pay frequency

Filing status

Pre-tax 401(k)

Traditional elective deferral — reduces taxable income, not FICA. Cap $24,500/yr (under age 50).

Advanced options

Your age

Age 50+ / 60–63 raise the 401(k) elective deferral cap; age 55+ adds the fixed $1,000 HSA catch-up when present in the verified national file.

Dependents

Adds state/city personal exemptions beyond yourself (and spouse if MFJ) where the state file models them. Federal tax credits for dependents are not modeled.

Roth 401(k)

Does not reduce taxable income. Real plans share the elective deferral limit with pre-tax 401(k).

HSA coverage

HSA contribution (annual)

Self-only $4,400; family $8,750; +$1,000 if age ≥ 55. Payroll HSA reduces FICA. Some states (e.g. California) do not conform — HSA still counts in state wages.

Other pre-tax benefits (annual)

Health/dental/vision, FSA, dependent-care FSA, commuter — reduces AGI and FICA.

Federal deduction

Results update as you type. Methodology · Annual figures are exact; per-paycheck figures are rounded.

Your result will appear here

Tax year 2026

How Ohio take-home pay is calculated (2026)

An Ohio paycheck estimate on Counttaxes stacks federal income tax and FICA with Ohio’s 2026 individual income tax under ORC §5747.02. For 2026 the statute is a floor: no tax at or below $26,050 of Ohio taxable income, then $332 plus 2.75% of the excess. We apply 0% / 2.75% bands from the verified state file and document the $332 base as not modeled. Municipal and school district locals are also outside the engine — important in Ohio, where local wage taxes are widespread.

Outline map of the state of Ohio — Ohio state outline (styled by Counttaxes) — not an official DOR chart.

Reading Ohio's tax brackets from a paycheck

For tax years beginning in 2026, Ohio no longer uses the older three-band schedule with a 3.125% top rate. ORC §5747.02 says individuals owe nothing when Ohio taxable income (after business income and exemptions) is $26,050 or less, and otherwise owe $332 plus 2.75% of the excess over $26,050. This calculator mirrors the 0% / 2.75% floor with progressive bands but does not yet add the $332 base, so the state line runs a little low once you clear the floor. Many municipalities also levy their own wage tax — common on Ohio stubs, outside this net.

State income tax (2026)as of 2026
0% to $26,050; then 2.75% (+ $332 base in statute, not modeled here)
Source: Ohio Revised Code §5747.02 — tax rates →
Local wage income taxas of 2026
Many cities and some school districts levy a local income tax
Source: Ohio Department of Taxation — municipal income tax →
Median household incomeas of 2024 ACS 1-year
$72,212
Source: U.S. Census Bureau — Ohio profile (ACS median household income) →

Local income taxes

Ohio employers often withhold municipal income tax where the workplace or residence city imposes one. Credits can apply when you live in one city and work in another. School district income taxes exist in some districts. Counttaxes does not model municipal or school district withholding — compare the estimate to your stub for that line.

What makes an Ohio paycheck different

2026 dropped the prior top band (3.125% over $100,000 in 2025). Liability above the floor is a single 2.75% rate plus a statutory $332 base (ORC §5747.02(A)(3)(c)).
Income at or below $26,050 of Ohio taxable income (after business income and exemptions on a full return) owes $0 state tax under the statute’s floor.
Hundreds of Ohio cities and villages — and some school districts — add local income tax. Withholding often follows workplace vs residence rules; we do not simulate that credit math.
Personal exemptions under §5747.025 affect the real Ohio taxable base; this simplified engine does not subtract them before applying the bands.
This page estimates annual liability, then shows it per paycheck. Ohio withholding tables can use different rates than the annual statute — stubs may not match dollar-for-dollar.

How we count Ohio take-home

State: 0% band to $26,050 of modeled Ohio taxable wages, then 2.75% — without the $332 statutory base (understates state tax by about $332 once over the floor).
Federal income tax: IRS 2026 brackets and standard deduction from the verified US national file.
FICA: Social Security (6.2% up to the SSA wage base) and Medicare (1.45%, plus Additional Medicare where it applies).
Optional pre-tax 401(k) and HSA reduce federal (and this model’s state) taxable wages when entered.
Not modeled: State payroll levies; Personal exemptions; Agi Phased Exemption; Local School Municipal; Ohio Over Threshold Base Tax332.

Full United States methodology · Bracket tables · Engine & privacy

Sources & status

Verified

Primary sources below, grouped by layer. Oldest verification on this page: 2026-10-11.

Ohio tax brackets (2026)

Federal income tax brackets (Single)

From	To	Rate
$0.00	$12,400.00	10.00%
$12,400.00	$50,400.00	12.00%
$50,400.00	$105,700.00	22.00%
$105,700.00	$201,775.00	24.00%
$201,775.00	$256,225.00	32.00%
$256,225.00	$640,600.00	35.00%
$640,600.00	and above	37.00%

Ohio state tax brackets (single)

From	To	Rate
$0.00	$26,050.00	0.00%
$26,050.00	and above	2.75%

How a US paycheck works

Every US paycheck starts with the same federal layers: income-tax withholding from Form W-4, plus Social Security and Medicare (FICA). State and local lines come next when your region files them.

Counttaxes estimates annual liability from verified rate files, then shows per-paycheck amounts for your frequency — not a live payroll withholding run.

In Ohio, many cities and some school districts also withhold a local income tax on top of state and federal — that local line is common on real stubs and is not in this estimate yet.

Read the full US paycheck guide →

Worked examples (Ohio, annual, default assumptions)

Gross	Net	Effective
$60,000.00	$49,456.37	17.6%
$100,000.00	$77,146.37	22.9%
$150,000.00	$110,382.37	26.4%

Examples use single filing status and no 401(k)/HSA. Open the calculator above to try your salary and filing status.

Frequently asked questions

Is Ohio still a three-bracket state in 2026?: No for individuals’ nonbusiness income. ORC §5747.02 for taxable years beginning in 2026 and thereafter is $332 plus 2.75% of the amount over $26,050 (and $0 at or below that floor). The 3.125% band applied to 2025. Some third-party calculators still show the 2025 table.
Why might your Ohio state tax be about $332 low?: The statute adds a $332 base when you are over $26,050. Our verified file walks 0% / 2.75% bands only. We list the base under not modeled until the engine applies it.
Does this include Columbus / Cleveland / RITA local tax?: No. Local municipal and school district income taxes are common on Ohio pay stubs and are not subtracted here. Use your city’s rate or RITA materials for that line, then compare to the estimate.
Is this the same as Ohio withholding on my stub?: Not always. We estimate annual liability from the statute and federal rules, then divide into pay periods. Employers use Ohio withholding tables (and local rules), which can differ slightly from year-end liability.

Related United States calculators

Useful links

Official Ohio tax agencies and the primary sources behind the rates on this page.

Ohio Revised Code §5747.02 →
Primary 2026 rate statute ($332 + 2.75% over $26,050)
Ohio Department of Taxation →
Forms, withholding, eServices
Ohio DOT — municipal income tax →
Local wage tax overview
Census — Ohio profile →
ACS median household income context
Counttaxes — US sources →
Federal rate file audit trail