PaycheckCalc

City paycheck calculator

Lorain Paycheck Calculator (2026)

Last reviewed: April 20, 2026

Lorain sits on the Lake Erie shore west of Cleveland and levies a 2% municipal income tax on wages. The tax is administered through the Regional Income Tax Agency (RITA). Combined with Ohio's progressive state tax (top 3.5%), a Lorain resident pays roughly 5.5% in state plus local income tax at higher income levels. Ohio's residence-credit rule applies for commuters who live in Lorain and work in Cleveland or another higher-rate city. This calculator estimates 2026 take-home pay for a Lorain resident after federal tax, FICA, Ohio state tax, and the Lorain municipal rate. It supports pre-tax 401(k) and HSA deductions.

$85,000 single filer take-home comparison

Lorain

$65,300

Ohio (no city tax)

$67,000

Texas (no income tax)

$68,600

Lorain take-home is -$1,700 vs the state-only figure and -$3,300 vs the no-income-tax baseline.

Lorain local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0+2%

Enter your salary to begin

Type above or pick a quick salary to see your 2026 take-home pay instantly.

Lorain paycheck FAQ

If I commute from Lorain to Cleveland for work, what do I owe?
Cleveland withholds its 2.5% rate on wages earned there. Lorain's residence credit applies up to Lorain's 2% cap, so the resident effectively pays Cleveland 2.5% and owes nothing additional to Lorain on those wages.
How does Lorain's rate compare to Elyria, the adjacent city?
Elyria's rate is 2.25%, slightly above Lorain's 2%. The two cities sit immediately adjacent in Lorain County, and the modest rate gap produces measurable resident-to-resident differences on similar incomes.
What does it cost to live in Lorain but work in a no-tax suburb?
If the work city has no municipal income tax, the Lorain resident owes the full 2% to Lorain on those wages. Ohio's residence-credit rule only offsets liability when the work city actually charges a municipal tax.

See also

Run the full Ohio paycheck calculatorCompare to Columbus, Ohio paycheck calculatorCompare to Cleveland paycheck calculatorCompare to Cincinnati paycheck calculatorCompare to Toledo paycheck calculatorCompare to Akron paycheck calculatorCompare to Dayton paycheck calculatorCompare to Canton, Ohio paycheck calculatorCompare to Youngstown paycheck calculatorCompare to Hamilton, Ohio paycheck calculatorCompare to Springfield, Ohio paycheck calculatorCompare to Kettering paycheck calculatorCompare to Elyria paycheck calculatorBrowse all city paycheck calculatorsBrowse paycheck calculators by statePaycheck and tax glossaryHow we calculate paycheck taxes

Reviewed

How This Page Is Reviewed

The Lorain paycheck page is reviewed against primary federal, state, and city sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-04-20