Taxes in Middletown, Ohio
Complete tax guide for Middletown, OH. State income tax up to 3.5%, 1.45% property tax, 8.65% sales tax. Calculate your total tax burden.
State Income Tax
3.5%
Ohio
Property Tax
1.45%
Effective rate
Sales Tax
8.65%
Combined rate
Tax Burden
Moderate
Middletown, OH Tax Overview
Population
48,680
Median Income
$49,000
Cost of Living
89.2 (100 = avg)
State Income Tax
3.5%
Local Income Tax
2.52%
Median Home Price
$183,000
Middletown Tax Calculator
Pre-filled with Middletown median: $49,000
Total Tax Burden in Middletown
$10,540
Take-Home: $38,460 · Effective Rate: 21.51%
Federal Tax
$3,842
7.84% eff.
OH State + Local
$2,950
6.02% eff.
FICA
$3,749
7.65% eff.
Take-Home
$38,460
78.49% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $49,000.00 | $4,083.33 |
| Federal Income Tax | -$3,841.50 | -$320.13 |
| Ohio State Tax | -$1,715.00 | -$142.92 |
| Middletown Local Tax (2.52%) | -$1,234.80 | -$102.90 |
| Social Security (6.2%) | -$3,038.00 | -$253.17 |
| Medicare (1.45%) | -$710.50 | -$59.21 |
| Take-Home Pay | $38,460.20 | $3,205.02 |
Property Tax in Middletown
Median Home
$183,000
Annual Tax
$2,654
Monthly Tax
$221
Effective Rate
1.45%
Sales Tax in Middletown
Combined Rate
8.65%
State Portion
~6.2%
Local Portion
~2.5%
The combined sales tax rate in Middletown is 8.65%, which is above the national average of 7.12%. On a $100 purchase, you would pay $8.65 in sales tax.
Tax Burden Comparison
| Tax Type | Middletown | Ohio Avg | National Avg |
|---|---|---|---|
| Income Tax | 3.5% + 2.52% | 3.5% | 4.6% |
| Property Tax | 1.45% | ~1.45% | 1.1% |
| Sales Tax | 8.65% | ~8.65% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
Tax Saving Tips for Middletown 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.
- Middletown has a local income tax of 2.52%. 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 Middletown (1.45%) 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 8.65% 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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See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Middletown, OH?
Middletown, Ohio has a state income tax rate up to 3.5%, plus a local income tax of 2.52%. The property tax rate is 1.45% and the combined sales tax rate is 8.65%.
How much is property tax in Middletown?
The effective property tax rate in Middletown is 1.45%. On the median home price of $183,000, this equals approximately $2,654 per year or $221 per month. This is above the national average of 1.1%.
What is the sales tax rate in Middletown?
The combined sales tax rate in Middletown is 8.65%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does Middletown's tax burden compare to other cities?
Middletown has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 29.3%. The combination of 3.5% state income tax, 1.45% property tax, and 8.65% sales tax determines the total burden. Cost of living index is 89.2 (100 = national average).
Are there any local taxes in Middletown?
Yes. Middletown imposes a local income tax of 2.52% in addition to the state income tax of 3.5%.