Ohio Paycheck Calculator for Dayton and the Miami Valley, 2026

Estimate your take-home pay in Dayton and the Miami Valley, with the local taxes most calculators leave out: your city’s income tax and its credit for tax paid where you work, and your school district’s income tax. Everything is calculated in your browser; nothing you enter is sent or saved.

This is an estimate, not tax advice. It uses the 2026 IRS withholding tables, Ohio’s 2026 rate and each city’s and school district’s published rate. For your own return, ask a tax preparer or your city’s tax office.

How it’s figured

• Federal income tax: the IRS’s 2026 percentage-method withholding for a Form W-4 from 2020 or later with nothing extra entered (Publication 15-T).
• Social Security 6.2% on wages up to $184,500, and Medicare 1.45%, plus 0.9% on wages over $200,000 (Publication 15).
• Ohio income tax: the 2026 rate in Ohio Revised Code 5747.02, after the personal exemption in 5747.025, without pre-tax deductions or credits.
• City income tax: each city’s own published rate and resident credit, as listed in our guide to Dayton city income tax.
• School district income tax: the Ohio Department of Taxation’s 2026 list of school district rates, applied to wages.

Frequently asked questions

How much is taken out of a paycheck in Dayton?

Federal income tax, Social Security (6.2%) and Medicare (1.45%), Ohio income tax, Dayton’s 2.5% city income tax, and, in some school districts, a school district income tax. Enter your pay above to see each one.

Do I pay city income tax where I live or where I work?

Usually where you work, through your paycheck, and then your home city may tax you too, minus a credit for what you paid the city you work in. Each city sets its own credit; the calculator uses each city’s published rule where we could check it.

What is Ohio’s income tax rate in 2026?

Under Ohio law, for 2026 there’s no tax on the first $26,050 of income after personal exemptions, then $332 plus 2.75% of the amount above $26,050.

Is this exact?

No. It’s an estimate from the official tables. Your employer’s withholding can differ with your W-4, pre-tax benefits such as retirement or health plans, and the inflation-adjusted Ohio exemption.