Ohio paycheck calculator 2026
Ohio moved to a flat 2.75% income tax for 2026, and its withholding formula changed on August 1, 2026 to 1.6%, 2.99% and 3.4% brackets after a $650 deduction per IT 4 exemption.
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Federal tax on a bonus paid on its own check is a flat 22% (37% above $1M of bonuses in the year). Your W-4 doesn't change it.
Per paycheck. Calculating from gross pay → other amounts
No state income tax on wages here.
More W-4, deductions and employer settings
- Standard deduction $16,100 single, $32,200 married jointly, $24,150 head of household
- Social Security 6.2% up to $184,500 · Medicare 1.45% (+0.9% over $200,000)
- FUTA 0.6% on the first $7,000 · bonus withholding 22%
- 401(k) limit $24,500 ($32,500 at 50+, $35,750 at 60–63)
Paycheck breakdown
Employer taxes (on top of gross pay)
Where the employer's money goes
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Ohio payroll taxes and rules for 2026
Ohio moved to a flat 2.75% income tax for 2026, and its withholding formula changed on August 1, 2026 to 1.6%, 2.99% and 3.4% brackets after a $650 deduction per IT 4 exemption. Many Ohio workers also owe a municipal income tax, and residents of some school districts owe a school district income tax. There are no employee-paid state disability or leave programs.
- Income tax
- 2.75% flat on the return; withholding brackets 1.6% to 3.4% · Employee form: Ohio IT 4
- Withholding formula for payroll periods ending on or after August 1, 2026: annual taxable wage = annualized pay minus $650 per IT 4 exemption, then 1.6% up to $26,050, 2.99% up to $100,000 and 3.4% above.
- From October 1, 2025 to July 31, 2026 the formula used 1.775%, 2.99% and 3.64%.
- Exemptions are 1 for the employee, 1 for a spouse who does not claim their own, and 1 per dependent. With no IT 4 on file, withhold as if 0 exemptions were claimed.
- Ohio withholding follows federal wages, so traditional 401(k) deferrals and Section 125 deductions are not taxed for state purposes.
- Employee deductions
- Municipal income tax: Set by each city or village, commonly 1% to 2.5% Withheld for the city where the employee works. The base is Medicare wages, so 401(k) deferrals are taxed and Section 125 deductions are not.
- School district income tax: Set by the district, typically 0.5% to 2% Only for residents of districts that levy one. Use The Finder at tax.ohio.gov to look up a home address.
- Employer taxes
- State unemployment insurance: 2.85% for new non-construction employers on the first $9,000 of wages 2026 experience rates run from 0.4% to 10.1%. New construction employers pay 5.85%. The 2026 mutualized rate is 0%.
- Local taxes
- Ohio cities and villages levy municipal income taxes that the employer withholds for the work location, and about 200 school districts levy an income tax on residents. Rates vary by municipality and district. Townships generally have no municipal income tax.
- Bonuses
- From January 1, 2026, bonuses, commissions and other supplemental pay may be withheld at a flat 2.75% (it was 3.5% before), or added to regular wages and run through the formula.
- Minimum wage 2026
- $11.00/hour For employers with annual gross receipts of $405,000 or more. Smaller employers pay at least $7.25/hour.
- Pay frequency
- At least semimonthly.
- Final paycheck
- Ohio has no separate final-pay deadline. The regular semimonthly payday schedule applies to final wages.
- New-hire reporting
- Within 20 days of the hire date.
- Reciprocity
- Indiana, Kentucky, Michigan, Pennsylvania and West Virginia. Residents of those states working in Ohio can give the employer a statement of residency so no Ohio tax is withheld.
Checked against official sources on October 5, 2026:
- Ohio Department of Taxation, Optional Computer Formula effective Aug. 1, 2026
- Ohio Department of Taxation, Percentage Method effective Aug. 1, 2026
- Ohio Department of Taxation, Optional Computer Formula effective Oct. 1, 2025
- Ohio Adm. Code 5703-7-10, supplemental compensation
- Ohio Department of Job and Family Services, Contribution Rates
- Ohio Revised Code 4113.15, semimonthly payment of wages
- U.S. Department of Labor, State Minimum Wage Laws
- U.S. Department of Labor, State Payday Requirements
- HHS Office of Child Support Services, State New Hire Reporting requirements
Take-home pay in Ohio by salary
| Salary | Federal tax | FICA | Ohio taxes | Take-home / year | Per paycheck | Employer cost |
|---|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $814 | $33,506 | $1,289 | $43,359 |
| $60,000 | $5,020 | $4,590 | $1,412 | $48,978 | $1,884 | $64,888 |
| $80,000 | $8,770 | $6,120 | $2,010 | $63,100 | $2,427 | $86,419 |
| $100,000 | $13,170 | $7,650 | $2,608 | $76,572 | $2,945 | $107,948 |
| $150,000 | $24,734 | $11,475 | $4,306 | $109,485 | $4,211 | $161,774 |
Single filer, paid every two weeks, 2026 W-4 with no adjustments, default Ohio withholding settings, no 401(k) or benefits, new-employer unemployment rate. Ohio taxes include state income tax and employee-paid state programs; local taxes are not included unless the default setting includes them.
How the federal part works, step by step: the 2026 paycheck guide · North Dakota · Oklahoma
Ohio paycheck questions
Why did Ohio withholding drop in August 2026?
House Bill 96 set a flat 2.75% Ohio income tax for 2026. The Department of Taxation released new withholding tables on July 15, 2026 for payroll periods ending on or after August 1, 2026. Paychecks earlier in the year used the October 2025 formula.
What is the bonus withholding rate in Ohio?
2.75% from January 1, 2026. Employers may also add the bonus to a regular paycheck and use the formula.
Do 401(k) contributions reduce Ohio municipal tax?
No. Ohio state withholding excludes traditional 401(k) deferrals, but municipal income tax starts from Medicare wages, which include them. Section 125 health premiums are excluded from both.
How do I know if an employee owes school district income tax?
It depends on where the employee lives, not where they work. Look up the home address with The Finder on tax.ohio.gov and withhold the district's rate if it has one.
How much is $60,000 a year after taxes in Ohio?
About $48,978 a year, or $1,884 every two weeks, for a single filer with no other W-4 adjustments in 2026. Federal income tax is $5,020, Social Security and Medicare $4,590, and Ohio taxes and payroll deductions $1,412.
What does a $60,000 employee cost an employer in Ohio?
$64,888 a year before benefits: the salary plus the 7.65% FICA match, federal unemployment (FUTA) and Ohio unemployment insurance at the new-employer rate of 2.85% on the first $9,000.
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