Kettering OH Tax Calculator 2026: 2.25% City Income Tax
Calculate Kettering Ohio taxes with 2.25% city income tax, Ohio 2.75% state income-tax planning rate, 7.50% Montgomery County sales tax, property-tax context, FICA, and take-home pay.
Answer first
Kettering OH local income tax: 2.25%, with 7.50% Montgomery County sales tax
Kettering does impose a city income tax. For wage-income planning, the stack is federal income tax, Ohio state income tax, 2.25% Kettering municipal income tax, and FICA. Local burden planning also needs Montgomery County parcel lookup and address-level sales-tax verification because some Dayton-area ZIPs cross county lines.
Kettering source check
Kettering OH tax calculator: 2.25% city income tax
Kettering's current municipal income-tax rate is 2.25%. For a Kettering wage earner, separate the city tax from Ohio state income tax, federal income tax, and FICA. The sales-tax planning rate for Kettering ZIPs in Montgomery County is 7.50%, while property tax must be checked by parcel.
| 2026 tax item | Kettering answer | How to verify |
|---|---|---|
| Kettering city income tax | 2.25% municipal income tax | The city lists a current tax rate of 2.25% and explains resident and nonresident filing. |
| Ohio state income tax | 2.75% planning rate in this profile | Final Ohio tax follows the official 2026 state formula and taxable-income rules, not only gross wages. |
| Sales tax | 7.50% for Montgomery County Kettering ZIPs such as 45420 and 45429 | Check the Ohio May 2026 county rate table; Montgomery County also shows 7.50% as 5.75% state, 1.25% county, and 0.50% RTA in its 2026 sales-tax report. |
| Property tax | 1.53% effective estimate; $2,907 median annual property tax in this profile | Verify parcel-specific assessment and tax records with Montgomery County Auditor MCRealEstate; school-tax estimates use appraised value, 35% taxable value, millage, and state rollback credits per Kettering City School District. |
The calculator below uses a simplified city-profile Ohio state-income estimate for quick planning. For final filing, apply Ohio taxable-income rules, Kettering municipal filing rules, employer withholding, credits, and resident status.
State Income Tax
2.75%
Ohio
Property Tax
1.53%
Effective rate
Sales Tax
7.5%
Combined rate
Tax Burden
Moderate
Kettering, OH Tax Overview
Kettering's current municipal income tax rate is 2.25%. Most Kettering ZIPs in Montgomery County show 7.50% combined sales tax in the Ohio Department of Taxation May 2026 county rate table; exact sales and property tax still depend on address and parcel.
Population
57,862
Median Income
$56,000
Cost of Living
84.8 (100 = avg)
State Income Tax
2.75%
Local Income Tax
2.25%
Median Home Price
$190,000
Kettering Tax Calculator
Pre-filled with Kettering median: $56,000
Total Tax Burden in Kettering
$11,624
Take-Home: $44,376 · Effective Rate: 20.76%
Federal Tax
$4,540
8.11% eff.
OH State + Local
$2,800
5.00% eff.
FICA
$4,284
7.65% eff.
Take-Home
$44,376
79.24% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $56,000.00 | $4,666.67 |
| Federal Income Tax | -$4,540.00 | -$378.33 |
| Ohio State Tax | -$1,540.00 | -$128.33 |
| Kettering Local Tax (2.25%) | -$1,260.00 | -$105.00 |
| Social Security (6.2%) | -$3,472.00 | -$289.33 |
| Medicare (1.45%) | -$812.00 | -$67.67 |
| Take-Home Pay | $44,376.00 | $3,698.00 |
Property Tax in Kettering
Median Home
$190,000
Annual Tax
$2,907
Monthly Tax
$242
Effective Rate
1.53%
Sales Tax in Kettering
Combined Rate
7.5%
State Portion
5.75%
Local Portion
1.75%
The combined sales tax rate in Kettering is 7.5%, which is above the national average of 7.12%. On a $100 purchase, you would pay $7.50 in sales tax.
Sales and use tax can vary by exact address, district, item category, exemptions, and effective date. Treat this city rate as a planning estimate and verify large purchases with the official state sales-tax lookup or local tax authority.
Tax Burden Comparison
| Tax Type | Kettering | Ohio Avg | National Avg |
|---|---|---|---|
| Income Tax | 2.75% + 2.25% | 2.75% | 4.6% |
| Property Tax | 1.53% | ~1.53% | 1.1% |
| Sales Tax | 7.5% | ~7.5% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
About Taxes in Kettering
Kettering has a population of approximately 57,862 residents with a median household income of $56,000. The cost of living index is 84.8 (15.2% lower than the national average of 100).
Local context: Kettering's current municipal income tax rate is 2.25%. Most Kettering ZIPs in Montgomery County show 7.50% combined sales tax in the Ohio Department of Taxation May 2026 county rate table; exact sales and property tax still depend on address and parcel.
Tax burden classification: Moderate. Effective combined tax rate of 27.9% includes federal, state, FICA, property, and sales taxes for a typical Kettering household.
Official Tax Resources for Ohio
For authoritative Ohio tax forms, filing deadlines, and the latest legislative updates, consult these official government resources:
- Ohio Department of Taxation — official state revenue agency
- Ohio Individual Income Tax Forms — current tax year forms and instructions
- IRS Federal Tax Forms and Instructions — federal income tax filing
Tax Saving Tips for Kettering Residents
- Kettering residents should separate three wage layers before planning: federal income tax, Ohio state income tax, and the 2.25% Kettering municipal income tax. Verify resident, nonresident, and employer withholding status with the City of Kettering Income Tax Division.
- Kettering requires resident filing and can tax nonresident compensation earned from work performed in the city when Kettering tax was not withheld at the correct 2.25% rate.
- Property tax in Kettering (1.53%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- For Kettering purchases in Montgomery County ZIPs such as 45420 and 45429, the Ohio Department of Taxation May 2026 county rate table shows 7.50% combined sales tax. Use the exact address for ZIPs that cross county lines.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,400 individual, $8,750 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
Find Your Local Tax Authority in Kettering
The 1.53% property tax rate shown above is a city-profile effective estimate. Your actual Kettering property tax bill is set by your county assessor and may include additional levies from your school district, municipal utility district (MUD), or special assessment district. Use these official lookup tools to confirm exact rates for your specific address:
Look up the county your Kettering address belongs to and find your assessor's office:
- • NACo County Explorer — search by address
- • USA.gov — Ohio local govt directory
School districts add their own millage rate to property tax:
- • NCES District Locator — federal database
- • NCES School Locator (EDGE)
Municipal Utility Districts and special assessment districts are common in fast-growing Ohio suburbs:
- • Census — Census of Governments
- • Check your tax bill for line items beyond county + school district
Disagree with your assessment? You can appeal:
- • Property Tax Appeal Guide
- • Most counties allow 30-60 days post-assessment to file appeal
Why this matters: Two homes valued the same in Kettering can pay different property tax depending on which school district + MUD they fall within. Always verify with your specific address — the address-level rate may be 10-30% higher than the city average shown here.
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LowSources & Methodology
Tax rate data on this page is compiled from official government sources and updated for the 2026 tax year. Calculations follow the IRS-published 2026 federal tax brackets, FICA rates (6.2% Social Security up to $184,500 wage base, 1.45% Medicare), and Ohio state tax provisions. Property tax estimates use Kettering's median home value of $190,000and the local effective property tax rate of 1.53%.
- • Federal tax brackets and standard deductions: IRS.gov
- • State income tax rates and brackets: Ohio Department of Taxation
- • Median household income, home value, and demographics: U.S. Census Bureau ACS
- • Cost of living comparisons: U.S. Bureau of Labor Statistics CES
- • National average benchmarks: Tax Foundation state-level tax burden studies
Disclaimer: Estimates are for informational purposes only. Actual tax liability depends on filing status, deductions, credits, and individual circumstances. Consult a licensed tax professional or your state revenue agency for binding tax guidance.
Reviewed by LevyIO Tax Research Team · Published 2026-01-15 · Last updated 2026-05-29
Calculate Your Full Ohio Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Reviewed data sources
Reviewed May 29, 2026. Calculations use current public tax guidance and published source data.
1. Enter the tax scenario
Use the filing status, income type, state, payroll, deduction, credit, or transaction details that match the real case.
2. Review assumptions
Check the visible formula context, source notes, related calculators, and federal or state limits before relying on the estimate.
3. Verify before filing
Confirm final tax positions with IRS guidance, state revenue agencies, payroll records, brokerage forms, or a qualified tax professional.
Planning estimate, not tax advice
LevyIO calculators are educational planning tools. Actual federal, state, payroll, property, sales, and local tax results can change with filing status, credits, deductions, residency, employer withholding, address-level rates, and current forms. Verify final filing positions with IRS or state guidance, payroll records, tax software, or a qualified tax professional.
Frequently Asked Questions
What is the Kettering OH city income tax rate in 2026?
The City of Kettering lists a current municipal income tax rate of 2.25%. Residents age 18 and older generally file a Kettering city return, and nonresidents can owe Kettering tax on compensation from work performed in the city if tax was not withheld at the correct 2.25% rate.
What taxes do Kettering Ohio residents pay on wages?
For wage planning, Kettering residents generally need federal income tax, Social Security and Medicare tax, Ohio state income tax, and the 2.25% Kettering municipal income tax. The Ohio state tax line is a planning estimate; final Ohio tax follows the official state formula and taxable-income rules.
What is the Kettering OH sales tax rate in 2026?
The Ohio Department of Taxation May 2026 county rate table lists 7.50% for Montgomery County ZIPs used by Kettering, including 45420 and 45429. Montgomery County describes the 7.50% total as 5.75% state, 1.25% county, and 0.50% RTA. ZIPs that cross county lines should be checked by exact address.
What are the tax rates in Kettering, OH?
Kettering, Ohio has a state income tax rate up to 2.75%, plus a local income tax of 2.25%. The property tax rate is 1.53% and the combined sales tax rate is 7.5%. Kettering's current municipal income tax rate is 2.25%. Most Kettering ZIPs in Montgomery County show 7.50% combined sales tax in the Ohio Department of Taxation May 2026 county rate table; exact sales and property tax still depend on address and parcel.
How much is property tax in Kettering?
The effective property tax rate in Kettering is 1.53%. On the median home price of $190,000, this equals approximately $2,907 per year or $242 per month. This is above the national average of 1.1%.
What is the sales tax rate in Kettering?
The combined sales tax rate in Kettering is 7.5%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Kettering's tax burden compare to other cities?
Kettering has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 27.9%. The combination of 2.75% state income tax, 1.53% property tax, and 7.5% sales tax determines the total burden. Cost of living index is 84.8 (100 = national average).
Are there any local taxes in Kettering?
Yes. Kettering imposes a local income tax of 2.25% in addition to the state income tax of 2.75%. Kettering's current municipal income tax rate is 2.25%. Most Kettering ZIPs in Montgomery County show 7.50% combined sales tax in the Ohio Department of Taxation May 2026 county rate table; exact sales and property tax still depend on address and parcel.