Retire in Ohio: 2026 Tax & Cost of Living Guide
Low top income tax (3.5%), no Social Security or estate tax. High property taxes offset the income tax advantage.
State income tax
Progressive — top rate 3.50%
Social Security
Not taxed
Estate tax
None
Property tax
1.56%
How Ohio Taxes Retirement Income
- Social Security
- Not taxed
- Public pensions (state/federal)
- Taxed
- Private pensions
- Taxed
- 401(k) / IRA withdrawals
- Taxed
Exemption / exclusion
Retirement income credit up to $200; age 65+ senior credit
What Would You Pay in State Income Tax?
Rough estimates at the top marginal rate (actual effective rate will be lower for most retirees due to brackets, exemptions, and standard deduction):
| Annual Retirement Income | Estimated State Tax | Effective Rate |
|---|---|---|
| $50,000 | $1,750 | 3.5% |
| $100,000 | $3,500 | 3.5% |
| $200,000 | $7,000 | 3.5% |
Top Cities for Retirees in Ohio
States With No Income Tax
Compare Against Other States
All 50 US States + DC
Ranked by tax-friendliness for retirees. Grouped by income-tax type.
Retirement Methodology Calculators
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Tax rates and programs are subject to change. Data is current for 2024–2025. Always consult a qualified tax professional before making relocation decisions.