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 |
About Taxes in Lorain
Lorain has a population of approximately 65,211 residents with a median household income of $61,100. The cost of living index is 85.2 (14.8% lower than the national average of 100).
Tax burden classification: Moderate. Effective combined tax rate of 28% includes federal, state, FICA, property, and sales taxes for a typical Lorain 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 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 ($4,400 individual, $8,750 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
Other Cities in Ohio
Columbus
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ModerateCincinnati
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LowAkron
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LowParma
ModerateCanton
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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 $176,100 wage base, 1.45% Medicare), and Ohio state tax provisions. Property tax estimates use Lorain's median home value of $209,000and the local effective property tax rate of 1.64%.
- • 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 2026-04-30
Calculate 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%.