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Toledo Paycheck Calculator (2026)

Last reviewed: April 20, 2026

Toledo levies a 2.25% municipal income tax on wages, a typical northern Ohio rate. The tax is collected by the city directly through its Toledo Income Tax Division. Combined with Ohio's progressive state tax (top 3.5%), a Toledo resident pays roughly 5.75% in state plus local income tax at higher income levels. Ohio's residence-credit rule means commuting workers see different effective rates depending on where their work city sits. This calculator estimates 2026 take-home pay for a Toledo resident after federal tax, FICA, Ohio state tax, and the Toledo municipal rate. It supports pre-tax 401(k) and HSA deductions.

$85,000 single filer take-home comparison

Toledo

$65,100

Ohio (no city tax)

$67,000

Texas (no income tax)

$68,600

Toledo take-home is -$1,900 vs the state-only figure and -$3,500 vs the no-income-tax baseline.

Toledo local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0+2.25%

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Toledo paycheck FAQ

How does Toledo's rate compare to Cleveland or Columbus?
Toledo's 2.25% rate sits just below the 2.5% used by Cleveland and Columbus. The difference is modest, but compounded across a full year of wages it produces a noticeable line on the pay stub.
If I commute from Michigan to a Toledo job, what tax do I owe?
Toledo's 2.25% rate applies to non-residents who work in the city, withheld at the source by the employer. A Michigan resident commuting to Toledo would also owe Michigan's 4.25% flat state tax, with Michigan offering a credit for taxes paid to Ohio.
Does Toledo offer a residence credit for taxes paid to other Ohio cities?
Yes. Toledo generally credits municipal income tax paid to a work city outside Toledo against the resident's Toledo liability. If the work-city rate is at or above 2.25%, the Toledo resident typically owes nothing on those wages.

See also

Run the full Ohio paycheck calculatorCompare to Columbus, Ohio paycheck calculatorCompare to Cleveland paycheck calculatorCompare to Cincinnati paycheck calculatorCompare to Akron paycheck calculatorCompare to Dayton paycheck calculatorCompare to Canton, Ohio paycheck calculatorCompare to Youngstown paycheck calculatorCompare to Lorain 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 Toledo 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