Is Social Security Taxed in Ohio in 2026?
Is Social Security taxed in Ohio in 2026? No. Social Security is 100% exempt from Ohio state income tax. Ohio taxes other retirement income at a flat 2.75% on income over $26,050 (0% below), offers small retirement credits, and carries an effective property tax rate of 1.36% plus municipal add-ons.
Income thresholds shown adjust annually for inflation. Figures reflect the most recently available data — always confirm the current-year threshold with your state's Department of Revenue before filing.
Understanding Ohio's 2026 Retirement Tax Landscape
Ohio does not tax Social Security benefits at the state level (deducted on Ohio Schedule of Adjustments). Beginning in 2026, Ohio simplified its income tax structure to a flat 2.75% rate on taxable income exceeding $26,050, with a 0% rate on income below that threshold. Ohio offers qualifying retirees a Retirement Income Credit of up to $200 (for modified AGI under $100,000) and a $50 Senior Citizen Credit. However, retirees should note that many Ohio municipalities and school districts levy local income taxes (averaging ~1.2%), and property taxes average 1.36% statewide.
Ohio 2026 Retirement Tax Profile
Calculate Your Federal Taxable Benefits
State taxes on Social Security start with your federally taxable benefits. Use our free interactive tool to compute your Combined Income threshold.
Compare With Other Major Retirement States
Explore how other non-taxing states structure their income taxes, pensions, and property tax burdens:
Frequently Asked Questions (Ohio)
Is Social Security taxed in Ohio?
No. Ohio state law completely exempts Social Security benefits from state income tax. You deduct federal taxable Social Security on the Ohio Schedule of Adjustments.
What state income tax rate applies to 401(k) and pensions in Ohio?
Ohio taxes taxable retirement distributions at 0% on the first $26,050 of income and a flat 2.75% on income above that threshold. Filers with income under $100,000 may also claim Ohio's retirement income credit.
Do Ohio municipalities tax Social Security or pensions?
No. Ohio municipal income taxes (including RITA) apply only to earned wages and business profits, not to Social Security benefits or qualifying pension and 401(k) distributions.