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Elyria Paycheck Calculator (2026)

Enter your annual salary below to see your Elyria take-home pay after federal, state, FICA, and city/local taxes for 2026.

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Ohio's residence-credit rule for Elyria residents who commute to Cleveland, Lorain, or other Lorain County municipalities is not modeled; the engine applies Elyria's resident rate to the full wage base.

Quick answer

Yes. Elyria, the Lorain County seat, levies a 2.25% municipal income tax on resident wages, administered through RITA. At $85,000 single, an Elyria resident takes home $65,094 after federal tax, FICA, Ohio's progressive state tax, and the Elyria local line. Sister city Lorain sits a few miles north along the Black River.

Elyria is the Lorain County seat, sitting along the East and West Branches of the Black River where they merge into the main Black River, with the falls at Cascade Park forming the downtown's geological centerpiece. The city was founded in 1817 by Heman Ely (the name 'Elyria' is a contraction of Ely's name plus 'illyria'). Elyria levies a 2.25% municipal income tax on resident wages, administered through RITA, slightly above sister city Lorain's rate. The Elyria-Lorain metropolitan area together forms one of the larger Greater Cleveland-fringe regions. Mercy Health-Elyria and University Hospitals Elyria Medical Center anchor the local healthcare base. Lorain County Community College's main campus sits a few miles south. Manufacturing remains a substantive employer (Bendix Commercial Vehicle Systems, EMC Precision, Invacare's historical presence). I-90 runs along the city's northern edge, putting downtown Cleveland inside a 30-minute commute. Ohio's pay stub carries no SDI line. At $85,000 for a single Elyria resident, federal income tax is $9,870, Ohio state tax is $1,621, FICA combined is $6,503, and the Elyria line is $1,913, leaving take-home of $65,094. Adjust the calculator above for 401(k) or HSA contributions and watch the Elyria local line shift accordingly.

$85,000 single filer take-home comparison

Elyria

$65,100

Ohio (no city tax)

$67,000

Texas (no income tax)

$68,600

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

Elyria local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0+2.25%

What this estimate includes

This calculator computes Elyria take-home pay using 2026 federal brackets after the standard deduction, FICA contributions (Social Security up to the annual wage base, Medicare on all wages, plus the Additional Medicare Tax above the filing-status threshold), Ohio's state income tax schedule, the Elyria local income tax. It excludes employer-side payroll taxes, custom W-4 elections, supplemental-wage handling for bonuses or equity vesting, and income from sources other than W-2 wages. Per-city resident and non-resident rules are described in the prose above where they differ.

Elyria paycheck FAQ

What is the federal tax bill on $85,000 single in Elyria?
At a $85,000 single salary, federal income tax is the largest line at $9,870, falling in the 22% bracket after the standard deduction. Federal mechanics apply uniformly across all US states, so an Elyria single filer sees the same federal line as a Lorain or Cleveland counterpart on the same gross.
How is Elyria's municipal income tax structured?
Elyria's 2.25% municipal income tax is administered through RITA, which processes withholding for many Greater Cleveland and other smaller Ohio cities. The rate is set by Elyria, slightly above neighboring Lorain's headline. At $85,000 the Elyria line resolves to $1,913 on the year, withheld at the source.
What if I live in Elyria but work in Cleveland?
An Elyria resident commuting east to a Cleveland job pays Cleveland's higher municipal rate at the source. Ohio's residence-credit rule offsets the Elyria liability up to Elyria's 2.25%, so the resident effectively pays Cleveland's rate with the Elyria line zeroed out on those wages. Reverse commuters (Cleveland residents to Elyria) pay Elyria's rate at the source.
How does Ohio's state tax stack with the Elyria city layer?
Ohio's progressive state income tax tops near 2.75% and layers on top of Elyria's municipal rate. State-and-local tax at $85,000 comes to $1,621 state plus $1,913 city. Pre-tax 401(k) contributions reduce federal and Ohio state taxable income; the Elyria municipal base targets gross wages and does not respond to deferrals.
What changes for married filing jointly, head of household, or filing separately at $85,000 in Elyria?
Married filing jointly produces $69,124 in take-home, $4,030 more than the single-filer line above. Wider federal MFJ brackets and the doubled federal standard deduction drive most of the change. Ohio's bracket schedule and the Elyria 2.25% city tax apply filing-status-neutral; the city line scales per worker, not per household. Head of Household clears about $68,016, around $2,922 more than Single, and combined MFS take-home runs about $4,030 less than MFJ.
How does Elyria compare to Lorain?
Lorain, the larger sister city seven miles north along the Black River, levies a slightly lower municipal rate than Elyria's 2.25%. The two cities together form the Elyria-Lorain metropolitan area within Lorain County, sharing county government and RITA collection. A move between them changes the city line by the rate spread; federal, state, and FICA stay identical.

See also

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Reviewed

How This Page Is Reviewed

The Elyria 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

2026-06-25