Ohio Paycheck Estimator (2026)
Your Ohio take-home pay with the new August 2026 withholding tables, plus city and school-district income tax, the part most Ohio calculators leave out.
Your Ohio take-home pay
$1,883.74per paycheck (every 2 weeks)
$48,977 a year · from $2,307.69 gross · 18.4% of pay goes to taxes
| Gross pay | $2,307.69 |
|---|---|
| Federal income tax | −$193.08 |
| Social Security (6.2%) | −$143.08 |
| Medicare (1.45%) | −$33.46 |
| Ohio income tax | −$54.33 |
| Take-home pay | $1,883.74 |
Take-Home Report: up to 3 scenarios, W-4 check-up and a printable PDF - $4.99 one-time.
Estimate only - not tax, legal or payroll advice. Results use the official 2026 withholding tables but your employer's payroll may differ. For decisions that matter, check with your payroll department or a tax professional.
Updated October 4, 2026 · Reviewed by the Paycheck Estimators editorial team · How we calculate
This Ohio paycheck estimator shows your 2026 take-home pay after federal income tax, Social Security, Medicare, Ohio income tax and the municipal and school-district taxes that most Ohio workers pay. It uses the Ohio Department of Taxation withholding tables that took effect August 1, 2026.
Ohio paycheck estimator: 2026 take-home pay
A single worker earning $60,000, paid every two weeks, takes home about $1,883.74 per check before city tax. Working in Columbus (2.5%) brings that to about $1,826.05. City tax usually costs more than Ohio's own income tax.
| Salary | Gross per check | Federal tax | FICA | Ohio tax* | Take-home per check | Take-home per year |
|---|---|---|---|---|---|---|
| $30,000 | $1,153.85 | $54.62 | $88.27 | $19.83 | $991.13 | $25,769 |
| $40,000 | $1,538.46 | $100.77 | $117.69 | $31.33 | $1,288.67 | $33,505 |
| $50,000 | $1,923.08 | $146.92 | $147.11 | $42.83 | $1,586.22 | $41,242 |
| $60,000 | $2,307.69 | $193.08 | $176.54 | $54.33 | $1,883.74 | $48,977 |
| $75,000 | $2,884.62 | $295.00 | $220.68 | $71.58 | $2,297.36 | $59,731 |
| $100,000 | $3,846.15 | $506.54 | $294.23 | $100.33 | $2,945.05 | $76,571 |
| $150,000 | $5,769.23 | $951.31 | $441.34 | $165.61 | $4,210.97 | $109,485 |
Ohio withholding changed in 2026
Ohio moved to a flat 2.75% income tax for 2026 on income above $26,050 (income below that is not taxed). To match, the Department of Taxation issued new withholding tables effective August 1, 2026:
| Annual taxable wages | Withholding |
|---|---|
| $0 – $26,050 | 1.600% |
| $26,050 – $100,000 | $416.80 + 2.990% of the excess |
| Over $100,000 | $2,627.88 + 3.400% of the excess |
Withholding is a little higher than the 2.75% you'll actually owe at most incomes, which is why many Ohioans get a small state refund.
City (municipal) income tax
Most Ohio cities tax wages where you work, and many also tax residents who work elsewhere (often with a credit). Common rates: Columbus, Cleveland, Toledo, Akron and Dayton 2.5%; Cincinnati 1.8%. Choose your city, or enter any rate, under Adjust W-4, benefits & local tax.
School district income tax
About 200 Ohio school districts levy their own income tax on residents (typically 0.5%–2%). Look up your district's rate with the Ohio Department of Taxation "The Finder" tool, then enter it in the estimator.
Ohio hourly wage after taxes
At $20 an hour for 40 hours a week, a single Ohio worker keeps about $1,336.28 every two weeks before city tax.
| Hourly wage | Weekly gross | Take-home every 2 weeks | Take-home per year |
|---|---|---|---|
| $15.00 | $600 | $1,026.84 | $26,698 |
| $18.00 | $720 | $1,212.51 | $31,525 |
| $20.00 | $800 | $1,336.28 | $34,743 |
| $25.00 | $1,000 | $1,645.72 | $42,789 |
| $30.00 | $1,200 | $1,955.16 | $50,834 |
| $40.00 | $1,600 | $2,509.81 | $65,255 |
New for 2026: the tips and overtime deduction
For 2025–2028, federal law (P.L. 119-21) lets workers deduct up to $25,000 of qualified tips and up to $12,500 of qualified overtime pay ($25,000 if married filing jointly). The 2026 Form W-4 lets you put these amounts in Step 4(b) so less federal tax is withheld from each check, instead of waiting for a refund. "Qualified overtime" is only the extra half in time-and-a-half, not the whole overtime check.
Example: a Ohio worker earning $20 an hour with 5 hours of overtime a week has about $2,600 of qualified overtime a year. With the deduction on the W-4, take-home is about $1,580.36 every two weeks. The estimator turns this on by default; switch it off under Adjust W-4 if you haven't updated your W-4. The deduction phases out above $150,000 of income ($300,000 joint) and does not reduce Social Security or Medicare.
How to use the Ohio paycheck estimator
- Choose Salary or Hourly, then enter your pay. For hourly pay, add your usual hours and any overtime hours per week.
- Pick how often you're paid (weekly, every 2 weeks, twice a month or monthly) and your filing status from your W-4.
- Open Adjust W-4, benefits & local tax to add dependents, 401(k), health insurance, HSA or tips, your city and school district rate.
- Read your take-home pay per paycheck and per year. Every line shows what was taken out and why.
Common mistakes when estimating a Ohio paycheck
- Ignoring city tax. A 2.5% city tax on $60,000 is $1,500 a year, more than Ohio's own income tax.
- Using pre-August 2026 tables. The top withholding rate dropped from 3.64% to 3.4% on August 1, 2026.
- Mixing up biweekly and semi-monthly. Every 2 weeks is 26 paychecks a year; twice a month is 24. The same salary gives a smaller biweekly check.
- Forgetting pre-tax benefits. A 401(k) lowers income tax but not Social Security or Medicare; health premiums through a cafeteria plan lower both.
- Comparing an estimate with your first paycheck of the year. Year-to-date caps (Social Security, some state insurance) mean later checks can differ.
How we calculate (and how accurate it is)
Federal income tax uses the IRS Publication 15-T (2026) percentage method for 2020-and-later W-4s, worksheet 1A, the same math payroll software uses. Social Security is 6.2% up to the 2026 wage base of $184,500 and Medicare is 1.45%, plus 0.9% above $200,000. Ohio income tax uses the Ohio Department of Taxation percentage method effective August 1, 2026 ($650 per exemption). City tax is applied to gross wages at the rate you choose; school-district tax to state-taxable wages.
We annualize your pay, apply the tables and divide by your number of paychecks, so results can differ from your employer's per-period tables by a few cents. Tables were last checked against the official sources on October 4, 2026. This is an estimate, not tax advice. For decisions that matter, check with your payroll department or a tax professional.
Ohio paycheck FAQ
How much is taken out of a paycheck in Ohio?
About 18.4% for a single $60,000 earner with no city tax, or 20.9% if you work in Columbus.
What is the Ohio income tax rate for 2026?
A flat 2.75% on income above $26,050. Income at or below $26,050 is not taxed. Employer withholding uses the August 1, 2026 tables (1.6% to 3.4%).
Do I pay city tax where I live or where I work in Ohio?
Generally where you work. Many cities also tax residents who work elsewhere but give a credit for tax paid to the work city. Check your city's tax office.
How much is $20 an hour after taxes in Ohio?
About $1,336.28 every two weeks ($34,743 a year), single, 40 hours a week, before city tax.
What is Ohio school district income tax?
An extra income tax that about 200 Ohio school districts levy on residents, usually 0.5%–2%. Enter your district's rate in the estimator to include it.
Why does my Ohio paycheck change in August 2026?
The Ohio Department of Taxation issued lower withholding tables effective August 1, 2026 to match the new flat 2.75% tax, so less state tax comes out of each check.
Sources
- Ohio Dept. of Taxation - Employer Withholding Percentage Method (effective Aug 1, 2026)
- Ohio Dept. of Taxation - The Finder (school district and municipal rates)
- IRS Publication 15-T (2026), Federal Income Tax Withholding Methods
- IRS Form W-4 (2026)
- SSA: 2026 Social Security wage base ($184,500)
Reviewed by the Paycheck Estimators editorial team. Tax tables last verified 2026-10-04. Found an error? Tell us. We update within 2 business days.
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