Toledo Paycheck Calculator

Ohio · 2.75% + 2.5% city

Calculate how much you keep after federal and Ohio state taxes in Toledo.

Toledo Take-Home Pay Calculator 2026

Federal + Ohio state + Toledo local tax breakdown

2026

Gross income

State (for state tax)

Filing status

Advanced: dependents, 401(k), HSA, health

Dependents under 17

401(k) traditional (annual)

HSA via payroll (annual)

Health premiums (annual)

Gross income: $64,560 · Annual

Filing status: Single · Dependents under 17: 0

State (for state tax): Ohio (2.75%)

Estimated take-home

Of your $5,380 gross a month

$4,259You keep79.2%
$464Federal8.6%
$412FICA7.6%
$111State2.1%
$135Local2.5%

Compare another state

Gross: $64,560
Federal income tax: −$5,567
Social Security (6.2%): −$4,003
Medicare (1.45%): −$936
State income tax: −$1,332
Local income taxToledo city income tax: −$1,614
Total tax: −$13,452
Take-home pay: $51,108
Effective tax rate: 20.8%

Estimates only. Not tax or legal advice. Consult a professional. Verified against IRS Rev. Proc. 2025-32 (OBBBA). Methodology

No signup. No bank connection.

What the average job in Toledo pays

$64,560 a year — $51,108 after tax

That is the average across 194,972 jobs in Lucas County, Ohio. Run through the 2026 engine, $51,108 is what actually lands — 79.2% of the gross. Your own figure moves with filing status and pre-tax deductions; change the number above to see it.

Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, annual 2025. Area: Lucas County, Ohio.

Take-home pay by salary · Toledo

Single filer · 2026 federal + state tax

Take-home pay by salary
Gross salary	Take-home pay	Effective tax rate
$40,000	$33,670	15.8%
$60,000	$49,184	18.0%
$80,000	$63,354	20.8%
$100,000	$76,867	23.1%
$150,000	$110,103	26.6%

Toledo local income tax: 2.5%

Toledo levies a local tax on top of Ohio state tax, on wages, including 401(k) contributions. Single filer, 2026 resident rate.

Gross salary	Take-home before city tax	Toledo tax	Take-home in the city
$50,000	$41,424	−$1,250	$40,174
$75,000	$59,974	−$1,875	$58,099
$100,000	$76,867	−$2,500	$74,367

Computed by the same engine as the calculator above, which already includes this local tax.

Toledo Paycheck FAQ

What is the take-home pay on $75,000 in Toledo?

About $58,099 a year for a single filer, after federal tax, Ohio state tax, local tax and FICA — a 22.5% effective rate.

Does Toledo have a local income tax?

Yes: Toledo charges 2.5% on wages, including 401(k) contributions, on top of Ohio tax (2.75%). On $75,000 that's about $1,875 a year, and this page's calculator already includes it.

How is take-home pay calculated in Toledo?

Gross income minus federal tax, Ohio state tax, local tax and FICA. FICA is Social Security 6.2% + Medicare 1.45%; Ohio tax uses its own 2026 brackets and deductions (2.75%).

Other cities in Ohio

Columbus Cleveland Cincinnati All of Ohio

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