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Findlay Paycheck Calculator (2026)

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

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The engine applies Findlay's resident rate to the wage base and models no work-city tax. Findlay grants no resident credit, so a Findlay resident employed in another Ohio city owes both cities in full and their real local burden is higher than the estimate shows.

Quick answer

Yes. Findlay levies a 1% municipal income tax, and it is the rare Ohio city that grants NO credit at all for tax paid to another municipality. A resident working elsewhere in Ohio pays both cities in full. At $85,000 single, a Findlay resident takes home $65,877.

Findlay is the Hancock County seat in northwest Ohio, and its municipal income tax is the lowest of any Ohio city this calculator models at 1%. It also carries the single most punitive rule in Ohio's municipal system: Findlay grants no resident credit whatsoever for tax paid to another city. Every other Ohio municipality here refunds a resident at least part of what they pay to the city where they work. Findlay refunds none of it, so a Findlay resident commuting to a job in another Ohio city pays that city's tax at the source AND the full Findlay rate on the same wages, with no offset anywhere. The low headline rate makes Findlay look cheap and it genuinely is for anyone who lives and works in town; for a commuter, the true local burden is the sum of two cities. Findlay is Marathon Petroleum's headquarters and Cooper Tire's original home, and the Blanchard River runs through the middle of it. At $85,000 single, federal tax is $9,870, Ohio state tax $1,901, FICA $6,503, the Findlay line $850, and take-home $65,877.

$85,000 single filer take-home comparison

Findlay

$65,900

Ohio (no city tax)

$66,700

Texas (no income tax)

$68,600

Findlay take-home is -$800 vs the state-only figure and -$2,800 vs the no-income-tax baseline.

Findlay local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0+1%

What this estimate includes

This calculator computes Findlay 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 Findlay 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.

Findlay paycheck FAQ

Does Findlay really give no credit for tax paid to another city?
Correct, and it is the outlier in Ohio. Nearly every Ohio municipality credits a resident for the tax paid to the city where they work, up to its own rate. Findlay grants none. A Findlay resident working in Lima, Toledo or Columbus pays that city at the source and the full 1% Findlay rate on top.
What is the federal tax bill on $85,000 single in Findlay?
Federal income tax at $85,000 single is $9,870, taxed in the 22% bracket after the standard deduction. The federal line does not vary by Ohio city; only the municipal rate and its credit rule change between Findlay and, say, Toledo.
Is Findlay's low rate actually a saving?
For someone who lives and works in Findlay, yes: 1% is the lowest municipal rate modeled here, and it leaves more in hand than any other Ohio city on the same gross. For a resident who commutes out, no. With no credit available, the effective local burden is Findlay's rate plus the work city's, in full.
Does a 401(k) contribution reduce the Findlay city tax?
No. Ohio municipal tax is levied on gross qualifying wages rather than on taxable income, so a traditional 401(k) deferral leaves the Findlay line unchanged. It still reduces federal and Ohio state tax at roughly the 24.75% combined marginal rate.
What changes for married filing jointly or head of household at $85,000 in Findlay?
Joint filers clear about $69,959, some $4,082 more than the single line, driven by federal brackets. Findlay's flat rate and Ohio's schedule apply equally across filing statuses. Head of household lands near $68,799.
How does Findlay compare to Toledo?
Toledo levies a substantially higher municipal rate, so a Toledo resident pays far more on the city line at the same gross. But Toledo credits its residents for tax paid to another city and Findlay does not, so a Findlay resident who commutes to Toledo for work ends up carrying both rates in full.

See also

Run the full Ohio paycheck calculatorColumbus, Ohio paycheck calculatorCleveland paycheck calculatorCincinnati paycheck calculatorTake-home pay in ToledoHourly rate to per-paycheck net in FindlaySee how a bonus is withheld in OhioWhat overtime pays once Ohio withholding landsState and local paycheck tax questionsBrowse all city paycheck calculatorsBrowse paycheck calculators by statePaycheck and tax glossaryHow we calculate paycheck taxes

Reviewed

How This Page Is Reviewed

The Findlay 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

2026-07-14