California vs Ohio Taxes
Compare the total tax burden between California (1% – 13.3%) and Ohio (0% – 3.5%). Enter your income to see which state saves you more.
Tax at Different Income Levels
| Income | California Total Tax | Ohio Total Tax | Annual Savings |
|---|---|---|---|
| $75,000 | $15,887 | $14,600 | Save $1,287 |
| $100,000 | $25,477 | $22,700 | Save $2,777 |
| $150,000 | $45,570 | $39,774 | Save $5,795 |
| $200,000 | $64,563 | $55,868 | Save $8,695 |
Based on single filer, standard deduction, 2025 tax year. Includes federal income tax, state income tax, and FICA.
Why the difference
You'd save $2,777/year ($231/month) in Ohio vs California.
Tax structure
California uses progressive brackets up to 13.3%, while Ohio uses progressive brackets up to 3.5%.
Effective rate at your income
At $100,000, Ohio's effective state rate is 1.6% vs 4.4% in California — a 2.8 percentage point gap.
Ohio local taxes
Most Ohio cities levy a municipal income tax (typically 1-2.5%) on top of state tax.
Tip: California's progressive brackets mean your effective rate is much lower than 13.3% for most earners. At $100,000, the effective state rate is approximately 5.8%. Consider maximizing 401(k) contributions and HSA to reduce California-taxable income.
Tip: Ohio's exemption of the first $26,050 of income means very low effective state rates for modest earners. However, municipal income taxes (Cleveland 2.5%, Columbus 2.5%) can add significantly — these are separate from state tax.
Understanding Each State
California
California has the highest top marginal state tax rate in the US at 13.3%, with progressive brackets starting at 1%. An additional 1% Mental Health Services Tax applies to incomes over $1 million. Despite high taxes, California's economy — tech, entertainment, agriculture — attracts top talent globally. Under OBBBA (2025+), the SALT deduction cap rose to $40,000 ($20,000 MFS) but phases out $1-for-$1 above $500,000 MAGI ($250,000 MFS) toward a $10,000 floor — so high-income California itemizers see only partial federal relief.
Tip: California's progressive brackets mean your effective rate is much lower than 13.3% for most earners. At $100,000, the effective state rate is approximately 5.8%. Consider maximizing 401(k) contributions and HSA to reduce California-taxable income.
Ohio
Ohio uses progressive income tax brackets starting at 0% (income under $26,050 is exempt) and topping out at 3.5% on income over $115,300. Ohio's rates are moderate, and the state offers several credits including a nonrefundable personal exemption credit. Some Ohio cities levy a municipal income tax (typically 1-2.5%).
Tip: Ohio's exemption of the first $26,050 of income means very low effective state rates for modest earners. However, municipal income taxes (Cleveland 2.5%, Columbus 2.5%) can add significantly — these are separate from state tax.
Key Comparison Points
Income tax structure: California has a progressive income tax (1% – 13.3%), while Ohio has a progressive income tax (0% – 3.5%).
Beyond income tax: State tax comparisons should also consider property tax rates, sales tax, and cost of living. A state with no income tax may have higher property or sales taxes that offset the savings.
SALT deduction cap: Under OBBBA (2025+), the federal SALT cap is $40,000, phasing out above $500,000 MAGI toward a $10,000 floor. This limits the federal tax benefit of living in a high-tax state, so the gross state tax difference remains close to the net difference for most earners — especially high earners inside the phaseout.
Frequently asked questions
Is it cheaper to live in California or Ohio?
Based on income tax alone, Ohio has a lower tax burden. At $100K income, you'd save $2,777 annually in Ohio compared to California. However, total cost of living also depends on property taxes, sales taxes, and housing costs.
How much would I save moving from California to Ohio?
A single filer earning $100,000 would save approximately $2,777 per year in total taxes by living in Ohio instead of California. At $150,000 income, the savings change to $5,795 per year.
What is the income tax rate in California?
California has a progressive income tax with rates of 1% – 13.3%.
What is the income tax rate in Ohio?
Ohio has a progressive income tax with rates of 0% – 3.5%.