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Lorain Paycheck Calculator (2026)

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

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

Quick answer

Yes. Lorain sits on Lake Erie west of Cleveland and levies a 2% municipal income tax on resident wages, administered through RITA. At $85,000 single, a Lorain resident takes home $65,306 after federal tax, FICA, Ohio's progressive state tax, and the Lorain local line. Sister city Elyria sits a few miles inland in the same Lorain County.

Lorain sits on Lake Erie's southern shore at the mouth of the Black River, about 30 miles west of Cleveland, and levies a 2% municipal income tax on resident wages, administered through RITA. The city's industrial identity centers on US Steel Lorain Works, a fully integrated steelmaking operation that ran along the lake shore for over a century before declining in waves through the late 1900s; the remaining tube mill operates today on a reduced footprint. The Hispanic and Puerto Rican community in Lorain is among the largest in Ohio, dating to mid-20th-century migration tied to the steel mills. Toni Morrison, who won the 1993 Nobel Prize in Literature, was born in Lorain in 1931 and set her first novel 'The Bluest Eye' in the city. Lorain Community Hospital, Lorain County Community College, and the Port of Lorain (Great Lakes shipping) layer additional employment on top. No payroll-funded disability tax appears on Ohio wages. At $85,000 for a single Lorain resident, federal income tax is $9,870, Ohio state tax is $1,621, FICA combined is $6,503, and the Lorain line is $1,700, leaving take-home of $65,306. Adjust the inputs above to layer in HSA contributions, 401(k) deferrals, or a different salary.

$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%

What this estimate includes

This calculator computes Lorain 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 Lorain 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.

Lorain paycheck FAQ

What is the federal tax bill on $85,000 single in Lorain?
Federal tax dominates the load at $85,000, with $9,870 owed in the 22% bracket after the standard deduction. The federal computation runs identically across all US states, so a Lorain single filer sees the same federal line as an Elyria, Cleveland, or Cincinnati counterpart on the same gross.
How is Lorain's municipal income tax structured?
Lorain's 2% municipal income tax is administered through the Regional Income Tax Agency. RITA handles withholding and refunds for many smaller Ohio cities; the rate is set by Lorain, not RITA. At $85,000 the Lorain line resolves to $1,700 on the year. The rate sits below adjacent Elyria's municipal layer.
What if I commute from Lorain to Cleveland for work?
A Lorain resident commuting east to a Cleveland job pays Cleveland's higher municipal rate at the source. Ohio's residence-credit rule then offsets the Lorain liability up to Lorain's 2% cap, so the resident effectively pays the Cleveland rate and owes nothing additional to Lorain. The lower the work-city rate, the more the Lorain liability remains.
How does Ohio's state tax stack with the Lorain city layer?
Ohio's progressive state income tax tops near 2.75%, layered on top of the Lorain municipal rate. State-and-local tax at $85,000 comes to $1,621 state plus $1,700 city. Pre-tax 401(k) contributions reduce federal and Ohio state taxable income; the Lorain 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 Lorain?
Switching to MFJ at this gross moves take-home to $69,336, about $4,030 more. Wider federal MFJ brackets and the doubled federal standard deduction drive most of the change. Ohio's bracket schedule and Lorain's 2% city tax are both filing-status-neutral, applying per worker regardless of household composition. Head of Household lifts take-home to about $68,228, around $2,922 more than Single, and combined MFS take-home runs about $4,030 less than MFJ.
How does Lorain compare to Elyria, just up the Black River?
Elyria, the Lorain County seat seven miles south along the Black River, levies a higher municipal rate than Lorain's 2%. An Elyria resident at $85,000 pays more in the city line than a Lorain counterpart on the same gross. The two cities share Lorain County government, RITA collection, and a shared river but operate as separately incorporated municipalities.

See also

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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

2026-06-25