Compare taxes and see how much you save moving from Ohio to Texas
Ohio has a progressive income tax with rates from 0% to 3.75%, while Texas has zero state income tax. A $100,000 earner pays approximately $2,834 in Ohio state income tax vs $0 in Texas. However, Texas has significantly higher property taxes (1.68% vs Ohio's 1.41%), which partially offsets the income tax savings for homeowners. Ohio also levies municipal income taxes in many cities (Cleveland, Columbus 2.5%), making the comparison more favorable for Texas when including local taxes. Both states are popular destinations for different reasons—Ohio offers Midwest affordability while Texas offers tax-free income and a booming job market.
4 Progressive Brackets
Progressive income tax from 0% to 3.75% (top rate on income over $115,300)
No Income Tax
Constitutional prohibition on state income tax
At $100,000 income:
That is $236/month back in your pocket!
| Income | OH Tax | TX Tax | Savings | 10-Year |
|---|---|---|---|---|
| $50,000 | $1,117 | $0 | $1,117 | $11,170 |
| $75,000 | $2,055 | $0 | $2,055 | $20,550 |
| $100,000 | $2,834 | $0 | $2,834 | $28,340 |
| $150,000 | $4,709 | $0 | $4,709 | $47,090 |
| $250,000 | $8,459 | $0 | $8,459 | $84,590 |
| $85K retirement | $2,355 | $0 (retirees) | $2,355 | $23,550 (retirees) |
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Moving from Ohio to Texas? Multi-state returns are tricky—partial-year residency, different deadlines, avoiding double taxation. Get matched with a CPA who specializes in state moves. Virtual meetings, fixed pricing.
Get Matched With a CPA →At $100,000 income, you save $2,834/year on state income tax alone. If you live in Cleveland, Columbus, or Cincinnati, add city tax savings ($1,800-2,500/year) for total savings of $4,600-5,300/year. After accounting for Texas's higher property taxes, net savings are typically $2,500-5,000/year depending on your situation.
Yes, Texas averages 1.68% vs Ohio's 1.41%. On a $300K home: Texas charges ~$3,360/year (with exemptions) vs Ohio's ~$4,230. After exemptions, the gap narrows. And Ohio's income tax ($2,834+ at $100K) still exceeds the property tax difference, making Texas cheaper overall for most earners.
Many Ohio cities levy 1.8-2.5% income tax on top of state rates. Cleveland and Columbus both charge 2.5%. A Cleveland $100K earner pays $5,334 total income tax (state + city). Texas has no local income taxes anywhere, making the comparison dramatically favor Texas for Ohio city residents.
Ohio taxes 401(k), IRA, and pension income at state rates (up to 3.75%). Social Security is exempt if Ohio AGI is under $100K (married). Texas taxes no retirement income. A retiree with $85K taxable retirement income saves ~$2,355/year in Texas vs Ohio.
Ohio is more affordable for housing—median home is ~$175K vs Texas's ~$300K statewide. But when you factor in income tax savings ($2,834-5,334/year), Texas often wins on total cost. Austin is now expensive; Houston and San Antonio remain affordable and comparable to Ohio costs after tax savings.
Ohio: 5.75% state + 0.75-2.25% local = 6.5-8% combined. Texas: 6.25% state + up to 2% local = up to 8.25%. Both states exempt groceries. Texas taxes clothing; Ohio doesn't. Overall sales tax burden is similar.
Ohio has four seasons with cold, snowy winters (heating costs $1,200-1,800/year). Texas has mild winters but brutal summers (100°F+ for months; cooling costs $1,800-3,000/year). Climate costs are similar; it's a lifestyle preference. Many Ohioans prefer Texas's warm winters despite hot summers.
Dallas/Fort Worth offers the most similar feel—business-oriented, affordable suburbs, reasonable weather. Houston is good for Cleveland expats (diverse, affordable, somewhat similar industrial heritage). Austin attracts young tech workers but is expensive. San Antonio is most affordable and great for retirees.
To establish Texas residency: (1) Spend 183+ days/year in Texas, (2) Get Texas driver's license, (3) Register vehicles in Texas, (4) Register to vote, (5) Update address with banks, employer, IRS. Ohio may audit high earners who claim to relocate—keep documentation of your move.
Ohio offers four seasons, lower housing costs, proximity to Midwest family, established cities with cultural amenities (Cleveland Clinic, Ohio State), and moderate climate. Texas offers zero income tax, explosive job growth (especially tech), mild winters, but brutal summers and higher property taxes. Remote workers get the best deal—Midwest affordability OR Texas no-income-tax, depending on preference.