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Toledo Paycheck Calculator (2026)

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

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Ohio's residence-credit rule and cross-state credit (for Toledo residents commuting to Michigan, or Michigan residents working in Toledo) are not modeled by the engine. The Toledo line on this page applies the resident rate to the full wage base.

Quick answer

Yes. Toledo levies a 2.25% municipal income tax on wages, collected directly by the Toledo Income Tax Division. At $85,000 single, a Toledo resident takes home $65,094 after federal tax, FICA, Ohio's progressive state tax, and the Toledo local line. Jeep production at the Toledo Assembly Complex anchors the city's manufacturing economy.

Toledo sits at the western end of Lake Erie at the mouth of the Maumee River and levies a 2.25% municipal income tax on resident wages. The Toledo Income Tax Division administers the tax directly, not through RITA or CCA. The city's manufacturing identity has been tied to two industries for a century: Jeep production at the Toledo Assembly Complex (where the Wrangler and Gladiator are built today, under Stellantis ownership) and glass production from the Pilkington/NSG plants and the 19th-century plate-glass legacy that earned Toledo the 'Glass City' nickname. ProMedica is the largest area healthcare system; the University of Toledo carries a research and undergraduate base. The Toledo Mud Hens, the Detroit Tigers' Triple-A affiliate, became a national reference through 'MASH' (Klinger's hometown team). I-75, I-80, and I-90 converge at Toledo, making the city a Midwest logistics crossroads with significant trucking and warehousing employment. Ohio levies no employee-funded disability insurance. At $85,000 for a single Toledo resident, federal income tax is $9,870, Ohio state tax is $1,621, FICA combined is $6,503, and the Toledo line is $1,913, leaving take-home of $65,094. For an exact figure including pre-tax contributions, run the calculator above.

$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%

What this estimate includes

This calculator computes Toledo 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 Toledo 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.

Toledo paycheck FAQ

What is the federal tax bill on $85,000 single in Toledo?
For a single filer at $85,000, federal tax totals about $9,870 at the 22% marginal rate after the standard deduction. Federal mechanics work the same in every US state, so a Toledo single filer sees the same federal line as a Detroit, Cleveland, or Cincinnati counterpart. The Toledo local layer applies on top.
How is Toledo's municipal income tax structured?
Toledo's 2.25% municipal income tax is administered by the Toledo Income Tax Division rather than RITA or CCA. The rate applies to resident wages and to non-resident wages earned in the city, withheld at the source. At $85,000 the Toledo line resolves to $1,913 on the year. The rate sits just below the headline rate used by the Three Cs.
What if I commute from Michigan to a Toledo job?
Michigan residents commuting south to a Toledo job pay Toledo's 2.25% on the work-side wages, withheld at the source by the employer. Michigan's flat state tax then applies to the same wages, with Michigan offering a credit for taxes paid to Ohio. The Detroit-to-Toledo corridor sees this pattern regularly given the Jeep and logistics manufacturing crossover.
How does Ohio's state tax stack with the Toledo city layer?
Ohio applies a progressive state income tax topping near 2.75%, and Toledo's 2.25% city tax stacks on top. State-and-local tax for a Toledo resident at $85,000 totals $1,621 state plus $1,913 city. Pre-tax 401(k) contributions cut federal and Ohio state taxable income; the Toledo 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 Toledo?
Married filing jointly takes home roughly $69,124, about $4,030 more than single. Wider federal MFJ brackets and the doubled federal standard deduction drive most of the change. Ohio's bracket schedule is filing-status-neutral, and the Toledo 2.25% city tax applies per worker rather than per household, so the city line scales with each earner. Head of Household reaches about $68,016, around $2,922 more than Single, and combined two-return MFS take-home lands about $4,030 less than MFJ.
How does Toledo compare to Detroit?
Detroit, across the state line in Michigan, charges a higher resident city income tax than Toledo's 2.25%, paired with Michigan's flat state tax. A Toledo resident working in Detroit pays Detroit's non-resident rate plus Michigan state tax on the work-side wages, with Ohio crediting those against the Toledo liability. The two cities share Stellantis production but differ on tax structure.

See also

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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

2026-06-25