What Ohio actually takes from a 401(k) withdrawal, a pension, and Social Security — in dollars, against the state’s own brackets and exclusions rather than a yes-or-no list.
Long-term index-fund growth after expense-ratio drag — and what your state takes from the gains at withdrawal.
When your RMDs start under SECURE 2.0, how much this year's is, and what missing it costs.
2026 limits, employer match, the 60-63 super catch-up, and whether the Roth catch-up mandate applies to you.
A required minimum distribution is ordinary income, taxed at your top bracket and often pushing you into the next one. Here is the federal tax on RMDs from $20,000 to $75,000 at different income levels, why the default 10% withholding usually leaves a bill, how to avoid an underpayment penalty, and the three side effects that make the real rate higher than the bracket.
The required minimum distribution on every common balance at every age from 73 to 95, worked from the IRS table, plus what happens to the account over twenty years of withdrawals at 0%, 5% and 7% returns. The short version: the share you must take rises every year, and at good returns the dollar amount keeps rising with it.
What moving actually saves, on your own income mix rather than a headline rate — and how to establish domicile so the state you left cannot follow you.
Which account to draw first, priced. The three cliffs a withdrawal can cross without warning, the conversion window almost nobody uses, and why the order is the last big decision you can still change.
Ohio guide
On the ordinary retirement profile — $34,000 of Social Security and $61,000 of plan distributions — Ohio takes $961 a year in state income tax.
That is the number people compare, and it is the smallest of three. Property tax adds about $3,339 on the state's $245,500 median home, and insurance another $2,080. The three together come to $6,380, placing Ohio 15th of 50.
A note before you start. This is general education, not tax advice. Every Ohio figure comes from this site's own fifty-state income-tax dataset and its retirement tax engine, computed for a single filer aged 70 unless stated otherwise; property tax, median home price and insurance figures come from the site's core state dataset. Rates are for tax year 2026. Property tax is assessed locally in most states, so the effective rate here is a statewide figure rather than your county's.
On Social Security. Ohio does not tax Social Security benefits. The federally taxable portion carried into federal AGI is deducted in arriving at Ohio adjusted gross income, with no income threshold, no age condition, and no phase-out. Railroad Retirement benefits are likewise deducted.
On 401(k) and IRA distributions. Ohio has NO exclusion for 401(k), 403(b), 457, or traditional IRA distributions — they are taxed as part of Ohio adjusted gross income at the rates above. What Ohio offers instead is a set of small nonrefundable credits, which is a different and much weaker thing than an exclusion and is the fact most retirement summaries flatten. The retirement income credit is a sliding dollar amount based on how much retirement income was received during the year: $0 at $500 or less, $25 over $500 to $1,500, $50 over $1,500 to $3,000, $80 over $3,000 to $5,000, $130 over $5,000 to $8,000, and a maximum OF $200 over $8,000. That is $200 of credit, not $200 of exclusion, and it is the ceiling no matter how large the distribution. Every one of these credits requires modified adjusted gross income less applicable exemptions to be under $100,000. There is also a $50-per-return senior Citizen credit at age 65 and an alternative lump-sum election that spreads the credit over expected remaining life in exchange for giving up future credits.
Read the full Ohio guide →19 min read · Updated 2026-09-03