Ohio +2 more Retirement Income Tax Calculator
Ohio exempts Social Security but taxes other retirement income.
Ohio, Oregon, Wisconsin share this page.
Their rules produce the same answer to within a rounding difference, so publishing
separate near-identical pages would add URLs without adding information. Every figure
below applies to all 3.
Ohio retirement income tax estimator
Ohio exempts Social Security but taxes other retirement income.
Ohio tax —
After state tax —
Effective state rate —
Ohio at a glance
| Figure | Ohio | Source |
|---|---|---|
| Taxes Social Security? | No | [2] |
| Top marginal rate | 2.75% | [2] |
| Taxes pension income? | Generally yes | [2] |
| Cost of living index | 93.7 | [1] |
Ohio highlighted. Same data as the table below, shown as a distribution so the comparison is visible at a glance.
Highlighted: Ohio, ranked 39 of 50. Median 4.55%.
Ohio state tax by retirement income mix
Annual Ohio tax on each combination of Social Security and other retirement income.
| Social Security | No other income | +$10,000 other | +$20,000 other | +$30,000 other | +$45,000 other | +$60,000 other | +$80,000 other | +$110,000 other |
|---|---|---|---|---|---|---|---|---|
| $9,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $12,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $15,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $18,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $21,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $24,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $27,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $30,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $33,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $36,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $39,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $42,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $45,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $48,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
| $54,000 | $0 | $275 | $550 | $825 | $1,238 | $1,650 | $2,200 | $3,025 |
Worked figures for Ohio
Ohio values:
| Profile | Gross | State Tax | Net | Effective |
|---|---|---|---|---|
| $18,000 SS + $0 pension + $5,000 401k | $23,000 | $138 | $22,863 | 0.60% |
| $24,000 SS + $0 pension + $10,000 401k | $34,000 | $275 | $33,725 | 0.81% |
| $24,000 SS + $12,000 pension + $10,000 401k | $46,000 | $605 | $45,395 | 1.32% |
| $30,000 SS + $20,000 pension + $15,000 401k | $65,000 | $963 | $64,038 | 1.48% |
| $30,000 SS + $30,000 pension + $20,000 401k | $80,000 | $1,375 | $78,625 | 1.72% |
| $36,000 SS + $40,000 pension + $25,000 401k | $101,000 | $1,788 | $99,213 | 1.77% |
| $42,000 SS + $50,000 pension + $40,000 401k | $132,000 | $2,475 | $129,525 | 1.88% |
| $48,000 SS + $60,000 pension + $50,000 401k | $158,000 | $3,025 | $154,975 | 1.91% |
How Ohio compares nationally
On top marginal income tax rate, Ohio ranks #39 of 50 at 2.75% — 40% below the median of 4.55%. The national range runs from 0.00% (Wyoming) to 13.30% (California).
| Rank | State | Top marginal income tax rate |
|---|---|---|
| #37 | Louisiana | 3.00% |
| #38 | Indiana | 2.95% |
| #39 | Ohio | 2.75% |
| #40 | Arizona | 2.50% |
| #41 | North Dakota | 2.50% |
Ohio questions, answered with Ohio numbers
Does Ohio tax Social Security?▾
No. Ohio exempts Social Security, though other retirement income is generally taxable.
What would a $65,000 retirement income cost in Ohio tax?▾
On $30,000 Social Security, $20,000 pension and $15,000 of 401(k) withdrawals, Ohio would take about $963 — an effective state rate of 1.48%, leaving $64,038.
Is Ohio a good state to retire in on taxes alone?▾
Ohio's top marginal rate is 2.75% and its cost of living index is 93.7. Tax is only one input — housing at a $252,000 median matters at least as much.
Other exempts social securitys
Last reviewed 2026-08-26. Ohio figures only — verify with the relevant Ohio agency before acting. How this is calculated.