Cincinnati Paycheck Calculator
Cincinnati's income tax rate is 1.8%, the lowest among Ohio's large cities and a full 0.7 points below Columbus and Cleveland. On a $75,000 salary that difference is worth about $525 a year.
Tax year 2026 · Updated 2026-08-29 · Cincinnati minimum wage $11.00
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Local income tax in Cincinnati
The rate has been 1.8% since October 2020, when a temporary increase expired. Cincinnati's position on the Kentucky border makes cross-state commuting common, and it produces a specific trap: Ohio and Kentucky have a reciprocity agreement covering state tax, but a Cincinnati resident working in Covington still pays Covington's occupational fee, and a Kentucky resident working in Cincinnati still pays Cincinnati's 1.8%.
Take-home pay in Cincinnati at different salaries
Single filer, no dependents, no pre-tax deductions, 2026 tax year, bi-weekly pay.
| Gross salary | Federal | FICA | OH tax | Local tax | Annual take-home | Bi-weekly |
|---|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $318 | $720 | $33,282 | $1,280.09 |
| $55,000 | $4,420 | $4,208 | $730 | $990 | $44,652 | $1,717.40 |
| $70,000 | $6,570 | $5,355 | $1,143 | $1,260 | $55,672 | $2,141.25 |
| $90,000 | $10,970 | $6,885 | $1,693 | $1,620 | $68,832 | $2,647.40 |
| $120,000 | $17,570 | $9,180 | $2,518 | $2,160 | $88,572 | $3,406.63 |
| $160,000 | $27,134 | $12,240 | $3,618 | $2,880 | $114,128 | $4,389.55 |
The local tax alone costs a Cincinnati worker on $75,000 about $1,350 a year — the difference between $58,962 and $60,312 of take-home pay. That is $51.92 per bi-weekly paycheck, and it is the number to weigh when you are deciding where inside the metro area to live or which office to accept.
Working in Cincinnati but living elsewhere
Cincinnati applies its local tax to wages earned in the jurisdiction regardless of where you live, so commuting in does not avoid it. If you also live in a taxing jurisdiction, check whether your home city grants a credit for tax paid here — a partial credit leaves a balance that arrives as a bill rather than as withholding.
Our guide to working in two states covers resident credits, part-year returns and the convenience-of-the-employer rules that catch out remote workers.
Cincinnati minimum wage
The minimum wage that applies in Cincinnati for 2026 is $11.00 an hour. At full-time hours that is $22,880 of gross pay a year and roughly $20,040 after tax.
Frequently asked questions
Does Cincinnati have a city income tax?
Yes. The rate has been 1.
How much is taken out of a paycheck in Cincinnati?
On a $75,000 salary a single filer has roughly $16,038 withheld a year: $7,670 federal income tax, $5,738 in Social Security and Medicare, $1,280 in Ohio state tax and premiums and $1,350 in local tax. Take-home is about $58,962 a year, or $2,267.78 every two weeks.
What is the total income tax rate in Cincinnati?
For a $75,000 single filer, an effective total rate of about 21.4% across federal, FICA, state and local tax. The marginal rate on the next dollar is higher.
Related calculators
For the full Ohio picture including brackets, reciprocity and every local jurisdiction, see the Ohio paycheck calculator. If you are paid by the hour, the Ohio hourly calculator handles overtime and shift work.