Taxes in Lorain, Ohio
Complete tax guide for Lorain, OH. State income tax up to 3.5%, 1.64% property tax, 8.63% sales tax. Calculate your total tax burden.
State Income Tax
3.5%
Ohio
Property Tax
1.64%
Effective rate
Sales Tax
8.63%
Combined rate
Tax Burden
Moderate
Lorain, OH Tax Overview
Population
65,211
Median Income
$61,100
Cost of Living
85.2 (100 = avg)
State Income Tax
3.5%
Local Income Tax
1.05%
Median Home Price
$209,000
Lorain Tax Calculator
Pre-filled with Lorain median: $61,100
Total Tax Burden in Lorain
$12,748
Take-Home: $48,352 · Effective Rate: 20.86%
Federal Tax
$5,294
8.66% eff.
OH State + Local
$2,780
4.55% eff.
FICA
$4,674
7.65% eff.
Take-Home
$48,352
79.14% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $61,100.00 | $5,091.67 |
| Federal Income Tax | -$5,293.50 | -$441.13 |
| Ohio State Tax | -$2,138.50 | -$178.21 |
| Lorain Local Tax (1.05%) | -$641.55 | -$53.46 |
| Social Security (6.2%) | -$3,788.20 | -$315.68 |
| Medicare (1.45%) | -$885.95 | -$73.83 |
| Take-Home Pay | $48,352.30 | $4,029.36 |
Property Tax in Lorain
Median Home
$209,000
Annual Tax
$3,428
Monthly Tax
$286
Effective Rate
1.64%
Sales Tax in Lorain
Combined Rate
8.63%
State Portion
~6.1%
Local Portion
~2.5%
The combined sales tax rate in Lorain is 8.63%, which is above the national average of 7.12%. On a $100 purchase, you would pay $8.63 in sales tax.
Tax Burden Comparison
| Tax Type | Lorain | Ohio Avg | National Avg |
|---|---|---|---|
| Income Tax | 3.5% + 1.05% | 3.5% | 4.6% |
| Property Tax | 1.64% | ~1.64% | 1.1% |
| Sales Tax | 8.63% | ~8.63% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
Tax Saving Tips for Lorain Residents
- Ohio's income tax rate of 3.5% is competitive. You may still benefit from maximizing 401(k) contributions ($23,500 limit) to reduce your taxable income at both state and federal levels.
- Lorain has a local income tax of 1.05%. If you work remotely, verify whether you owe city tax based on where you work or where you live. Some cities only tax people who work within city limits.
- Property tax in Lorain (1.64%) is above the national average. Check if you qualify for homestead exemptions or assessment appeals to reduce your property tax bill.
- The combined sales tax rate of 8.63% is relatively high. Consider making large purchases in lower-tax jurisdictions or online retailers that do not charge local tax rates.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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LowCalculate Your Full Ohio Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Lorain, OH?
Lorain, Ohio has a state income tax rate up to 3.5%, plus a local income tax of 1.05%. The property tax rate is 1.64% and the combined sales tax rate is 8.63%.
How much is property tax in Lorain?
The effective property tax rate in Lorain is 1.64%. On the median home price of $209,000, this equals approximately $3,428 per year or $286 per month. This is above the national average of 1.1%.
What is the sales tax rate in Lorain?
The combined sales tax rate in Lorain is 8.63%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Lorain's tax burden compare to other cities?
Lorain has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 28%. The combination of 3.5% state income tax, 1.64% property tax, and 8.63% sales tax determines the total burden. Cost of living index is 85.2 (100 = national average).
Are there any local taxes in Lorain?
Yes. Lorain imposes a local income tax of 1.05% in addition to the state income tax of 3.5%.