Indiana vs Ohio Taxes: Take-Home Pay Compared (2026)
On a $75,000 salary, a single filer keeps $867 more a year in Ohio than in Indiana ($72 a month).
Indiana
2.95% flat state income tax
$59,380
take-home on $75,000 · $4,948/month
14th of 51 states for take-home pay
Indiana paycheck calculator ›Ohio
2.75% flat state income tax
$60,246
take-home on $75,000 · $5,021/month
11th of 51 states for take-home pay
Ohio paycheck calculator ›Take-home pay in Indiana and Ohio by salary
| Salary | Indiana | Ohio | Difference |
|---|---|---|---|
| $40,000 | $33,140 | $33,936 | $796 more in Ohio |
| $50,000 | $40,880 | $41,696 | $816 more in Ohio |
| $60,000 | $48,620 | $49,456 | $836 more in Ohio |
| $75,000 | $59,380 | $60,246 | $867 more in Ohio |
| $100,000 | $76,230 | $77,146 | $916 more in Ohio |
| $125,000 | $93,016 | $93,983 | $967 more in Ohio |
| $150,000 | $109,366 | $110,382 | $1,016 more in Ohio |
| $200,000 | $143,027 | $144,143 | $1,116 more in Ohio |
Single filer, standard deduction, no local tax. To match $75,000 in Indiana you would need about $73,700 in Ohio; to match $75,000 in Ohio you would need about $76,300 in Indiana.
How Indiana and Ohio tax wages
| 2026 | Indiana | Ohio |
|---|---|---|
| Income tax | a flat 2.95% income tax | a flat 2.75% rate on income above $26,050 |
| Top rate | 2.95% | 2.75% |
| Standard deduction | None (exemptions or credits only) | 0% on first $26,050 |
| State tax on $75k | $2,213 (3.0%) | $1,346 (1.8%) |
| Local wage taxes | Yes (11 modeled) | Yes (21 modeled) |
| Reciprocity | Kentucky, Michigan, Ohio, Pennsylvania, Wisconsin | Indiana, Kentucky, Michigan, Pennsylvania, West Virginia |
| 2026 change | Indiana cut its flat rate from 3.0% to 2.95% on January 1, 2026, with 2.9% scheduled for 2027. | Ohio replaced its two brackets with a flat 2.75% rate on income above $26,050 starting in 2026. |
Indiana vs Ohio: FAQ
Does Indiana or Ohio have lower income taxes in 2026?
On a $75,000 salary, a single filer keeps $867 more a year in Ohio than in Indiana ($72 a month). Indiana has a flat 2.95% income tax for 2026. Ohio has a flat 2.75% rate on income above $26,050 for 2026.
What salary in Ohio equals $75,000 in Indiana?
To take home the same $59,380 that $75,000 leaves in Indiana, you would need about $73,700 in Ohio, based on income, payroll, and state taxes only. Housing and other living costs are not included.
How much more do high earners keep in Ohio than in Indiana?
At $150,000 the gap is $1,016 a year: $109,366 in Indiana versus $110,382 in Ohio. With flat or no state tax, the gap grows roughly in line with salary.
Do Indiana and Ohio have a reciprocity agreement?
Yes. If you live in one of these states and work in the other, you can usually file a nonresident exemption form with your employer so only your home state withholds income tax.
Do local taxes change the Indiana vs Ohio comparison?
Indiana has local wage taxes in places like Indianapolis (2.02% (Marion County)), Fort Wayne (1.59% (Allen County)), Evansville (1.25% (Vanderburgh County)). Ohio has local wage taxes in places like Columbus (2.5%), Cleveland (2.5%), Cincinnati (1.8%). Those are on top of the statewide figures above, so check the city calculators if you live or work in one of them.