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Lakewood, Ohio Paycheck Calculator (2026)

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

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The engine applies Lakewood's resident rate to the full wage base. Lakewood's reduced resident credit for tax paid to another Ohio city is not modeled, so a Cleveland commuter's true split between the two cities differs from the estimate.

Quick answer

Yes. Lakewood levies a 1.5% municipal income tax, the lowest among Cleveland's inner-ring suburbs, but credits only a fraction of the tax paid to another Ohio city. At $85,000 single, a Lakewood resident working in Lakewood takes home $65,452 after federal tax, FICA, Ohio state tax, and the city line.

Lakewood is the densest city in Ohio, a compact strip of pre-war housing on Cleveland's western edge between the Rocky River and Lake Erie. Its municipal rate is 1.5%, noticeably below Cleveland's, which reads like a saving until the credit rule is applied. Lakewood grants residents a credit far below its own rate for tax paid to another Ohio municipality, and because a large share of Lakewood's workforce commutes into downtown Cleveland, most residents pay Cleveland's higher rate at the source and then owe Lakewood a meaningful balance on top. The low headline rate is real, but it does the least good for exactly the residents most likely to see it advertised. Detroit Avenue and Madison Avenue carry the city's dense commercial spine; the Gold Coast high-rises on the lakefront and the Birds Nest streets are its recognisable housing. Ohio pay stubs carry no state disability line. At $85,000 single, federal tax is $9,870, Ohio state tax $1,901, FICA $6,503, and the Lakewood line $1,275, for take-home of $65,452.

$85,000 single filer take-home comparison

Lakewood, Ohio

$65,500

Ohio (no city tax)

$66,700

Texas (no income tax)

$68,600

Lakewood, Ohio take-home is -$1,300 vs the state-only figure and -$3,200 vs the no-income-tax baseline.

Lakewood, Ohio local tax breakdown

Local bracket schedule applied by the calculator for 2026.

Taxable IncomeRate
$0+1.5%

What this estimate includes

This calculator computes Lakewood, Ohio 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 Lakewood, Ohio 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.

Lakewood, Ohio paycheck FAQ

Why does Lakewood's low rate not help Cleveland commuters?
Because the credit is capped well below the 1.5% rate. A Lakewood resident working in Cleveland pays Cleveland's higher municipal tax at the source and can offset only a small slice of the Lakewood liability against it, so a balance remains. The low headline rate benefits residents who also work in Lakewood.
What is the federal tax bill on $85,000 single in Lakewood?
Federal income tax at $85,000 single is $9,870, landing in the 22% bracket after the standard deduction. That figure is identical for a Cleveland, Parma or Lakewood filer on the same gross; the municipal layer is the only line that moves between them.
How does Lakewood compare to Cleveland on take-home?
For someone who lives and works in the same city, Lakewood's 1.5% leaves more in hand than Cleveland's higher rate on the same gross. For a Lakewood resident commuting to a Cleveland job, the advantage largely disappears, because Cleveland withholds at its own rate and Lakewood credits back only part of it.
Does a 401(k) contribution reduce the Lakewood city tax?
No. Ohio municipal income tax is levied on gross qualifying wages, so a traditional 401(k) deferral leaves the Lakewood line unchanged. The deferral still cuts federal and Ohio state taxable income at about the 24.75% combined marginal rate, which is where the saving actually shows up.
What changes for married filing jointly or head of household at $85,000 in Lakewood?
Married filing jointly clears roughly $69,534, about $4,082 more than single. Ohio's brackets and Lakewood's flat municipal rate do not vary by filing status, so the whole difference comes from federal mechanics. Head of household lands near $68,374.
Who collects Lakewood's municipal income tax?
Lakewood self-administers its income tax through its own municipal division rather than through RITA. Employers withhold the 1.5% rate on wages earned inside the city, and residents reconcile any credit shortfall from out-of-city work on the annual Lakewood return.

See also

Run the full Ohio paycheck calculatorTake-home pay in Columbus, OhioTake-home pay in ClevelandWhat the same wage pays in CincinnatiCompare with ToledoPaid hourly in Lakewood, Ohio? Estimate your per-paycheck take-homeWhat a bonus pays after Ohio withholdingTime and a half after Ohio payroll taxState 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 Lakewood, Ohio 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