Local
True take-home pay for where you actually live means local tax only when it belongs on the stub. A local line is applied only when you select that place or type a custom percent. The named list is short on purpose.
The cards below are the jurisdictions in data/local-2026.json with a real method (brackets, flat, surcharge, or layered thresholds). NYC resident brackets apply only when NYC is selected and you live there — working in NYC while living in New Jersey leaves city resident tax off. Yonkers has resident and nonresident treatments. Other named cities use published or estimated resident/nonresident rates as labeled. Read the methodology for exclusions and confidence notes.
Resident rates of 3.078%, 3.762%, 3.819%, and 3.876% have been the NYC schedule for years and remain the rates published for recent IT-201 instructions. The base here is New York taxable income (wages after the New York standard deduction and deductions that reduce New York wages). NYC modifications, the household credit, and the school tax credit are not modeled, so a real return can differ by a few hundred dollars.
Yonkers residents pay a surcharge of 16.75% of their net New York State tax. Nonresidents who work in Yonkers pay a 0.50% earnings tax on wages sourced to the city. The resident surcharge is not a flat wage percent, so it moves when state tax moves.
Resident 3.74% · nonresident 3.43%. Effective July 1, 2025 (fiscal year 2026), the wage and earnings tax is 3.74% for residents and 3.43% for nonresidents. Residents owe it on wages wherever earned. Nonresidents owe it on wages earned in the city. Traditional 401(k) deferrals and most cafeteria-plan amounts stay in the wage-tax base in this model. The city has scheduled further small reductions through FY2030; those future rates are not used here.
Resident 3.00% · nonresident 1.00%. City of Pittsburgh publishes a 3% resident earned income tax (1% city + 2% Pittsburgh Public Schools) and 1% for nonresidents who work in the city. Modeled on gross wages. The $52 local services tax owed to the workplace is not included. Act 32 collectors administer withholding; confirm the current rate sheet if your municipality differs from city+school.
Resident 2.40% · nonresident 1.20%. Detroit's resident rate is 2.4%. Michigan law sets the nonresident city rate at half the resident rate, 1.2%, on income earned in the city. The estimate uses gross wages and does not apply the city's exemptions or the nonresident allocation form. Traditional 401(k) treatment can differ from federal; this model leaves deferrals in the Detroit base.
Resident 2.50% · nonresident 2.50%. Columbus withholds 2.5% municipal income tax on qualifying wages earned in the city. Traditional 401(k) deferrals are generally excluded from Ohio municipal qualifying wages, and this model excludes them along with Section 125 amounts. If you live in one Ohio city and work in another, a credit usually prevents full double taxation. This estimate applies only the city you select.
Resident 2.50% · nonresident 2.50%. Cleveland's municipal income tax rate is 2.5%. Same qualifying-wage and one-city credit limits as the Columbus model.
Resident 3.20% · nonresident 2.25%. Montgomery County's 2026 local income tax rate is 3.20% of Maryland taxable net income. Every Maryland county plus Baltimore City levies a local rate; only Montgomery County and Baltimore City are built as named jurisdictions. Other counties can be entered with the custom percent. The nonresident switch uses 2.25%, the rate Maryland uses for many nonresident withholding situations, and is a simplification.
Resident 3.20% · nonresident 2.25%. Baltimore City's 2026 local rate is 3.20% of Maryland taxable net income. Nonresident switch uses the 2.25% simplification described on the Montgomery County record.
Resident 2.02% · nonresident 2.02%. Marion County (Indianapolis) local income tax is 2.02% on the Indiana DOR Departmental Notice #1 county chart for 2026 (rate unchanged on the Oct. 1, 2026 revision). County of residence on January 1 controls for residents; nonresidents are taxed on the employment county. This estimate uses 2.02% for both switches and does not load the other 91 counties — use the custom percent for those.
A Portland resident inside both Metro and Multnomah County is modeled with two taxes on Oregon taxable income: 1% Metro supportive housing services above the 2026 inflation-indexed thresholds of $128,000 single / $205,000 joint (was $125,000 / $200,000 for 2021–2025), plus Multnomah Preschool for All at 1.5% above $125,000 single / $200,000 joint and another 1.5% above $250,000 single / $400,000 joint. Sources: Portland.gov personal-tax page and Metro SHS revenue forecast. These taxes are filed with the Oregon return; not every employer withholds them. Someone in Washington County Metro but outside Multnomah would owe only the Metro layer — this combined jurisdiction is the Portland-in-Multnomah case.
Pennsylvania has thousands of earned-income tax rates. Ohio has hundreds of cities. Indiana has a local rate in every county, and only Marion County is named. Maryland has a rate in every county; Montgomery County and Baltimore City are named. For the rest, enter the percent under Local details — it replaces a named city and applies to gross wages. The District of Columbia is the income tax itself, not an extra city layer on this list.
Adding a city later is a record in data/local-2026.json plus, if you want a page, an object in src/content/locations.mjs. See also See a wrong rate?