2026 Ohio & Columbus income-tax estimator
See how 2026 federal, Ohio, and optional Columbus city taxes stack up on any income, bracket by bracket. All 50 states, both filing statuses.
2026 federal income tax brackets
Federal tax is marginal: each rate applies only to the income inside its bracket, not to your whole income.
| Federal rate | Single | Married filing jointly |
|---|---|---|
| 10% | $0 to $12,400 | $0 to $24,800 |
| 12% | $12,400 to $50,400 | $24,800 to $100,800 |
| 22% | $50,400 to $105,700 | $100,800 to $211,400 |
| 24% | $105,700 to $201,775 | $211,400 to $403,550 |
| 32% | $201,775 to $256,225 | $403,550 to $512,450 |
| 35% | $256,225 to $640,600 | $512,450 to $768,700 |
| 37% | $640,600 and up | $768,700 and up |
2026 Ohio income tax
Ohio finished its move to a single flat rate for 2026. Income at or below $26,050 is untaxed; everything above is taxed at 2.75%.
| Ohio rate (2026) | Taxable income |
|---|---|
| 0% | $0 to $26,050 |
| 2.75% | Over $26,050 |
Columbus and local taxes
A Columbus paycheck can meet several income taxes at once. These stack on top of the federal brackets above.
| Tax layer | 2026 rate | Applies to |
|---|---|---|
| Ohio state | 2.75% | Taxable income over $26,050 |
| Columbus city | 2.5% | Wages earned or worked in Columbus |
| School district | Varies | Only in districts that levy one |
Toggle the Columbus layer on inside the estimator if you live or work in the city. Other Ohio cities and some school districts set their own rates, so your local total may differ.
Why your effective rate is lower than your top bracket
Because tax is marginal, the first glass fills before a dollar ever reaches the next one. Earning a dollar into a higher bracket never lowers your take-home on the dollars beneath it, which is why your average (effective) rate always comes in below your top bracket rate.
Common questions
What is Ohio's income tax rate in 2026?
For 2026 Ohio uses a flat 2.75% individual income tax. Taxable income at or below $26,050 is not taxed; income above $26,050 is taxed at 2.75%. This completed Ohio's move from a graduated schedule (which taxed income over $100,000 at a higher rate) to a single flat rate.
Does Columbus have a separate city income tax?
Yes. The City of Columbus levies a 2.5% municipal income tax on wages, separate from the 2.75% Ohio state tax. Many other Ohio cities and some school districts also levy their own income taxes, so a Columbus paycheck can face federal tax, the 2.75% state tax, the 2.5% city tax, and sometimes a school-district tax. This estimator includes an optional Columbus 2.5% layer.
How do federal tax brackets work?
Federal income tax is marginal: each bracket's rate applies only to the income that falls inside that bracket, not to your whole income. So a higher bracket never lowers the take-home on the dollars beneath it. That is why your effective (average) rate is lower than your top bracket.
Is this tax estimate exact?
No. It is a general illustration that applies 2026 federal and state brackets to taxable income you already know. It excludes credits, deductions, exemptions, the alternative minimum tax, capital-gain rates, payroll tax, and most local and school-district income taxes. Verify current figures with the IRS and your state tax agency.
This content is for informational purposes only and does not constitute investment, tax, or legal advice. Estimates apply 2026 federal and state brackets to taxable income as already determined and exclude credits, deductions, exemptions, the AMT, capital-gain rates, payroll tax, and most local and school-district income taxes. ClearMind Capital LLC is a registered investment adviser; registration does not imply a certain level of skill or training. Past performance is not indicative of future results. Sources: IRS Rev. Proc. 2025-32; state revenue departments; City of Columbus.
