Avon Lake to Cleveland
Ohio municipal income tax, Chapter 718 framework · credit set by Avon Lake ordinance · tax year 2026
Work city takes
2.5%
Cleveland, on income earned there
Home city charges
1.5%
Avon Lake, residents
Credit back
$900
capped by the ceiling
Cost of the commute
$600
a year, above working at home
What it costs you
ceiling bindsAvon Lake's credit stops at its ceiling, so the rest of its own tax still applies. Solid is what you pay; the faded part of the Avon Lake bar is the credit it hands back. Municipal income tax only — state, federal and payroll tax apply on top, and an Ohio school district income tax may too.
What this commute actually costs
- A credit with a ceiling is not a full credit. Avon Lake hands back $900 of what Cleveland took and then stops, because its own rules cap the credit at about 1.5% of income. You make up the difference yourself. Over a year that difference is $600 you would not owe if you worked where you live.
- The run from Avon Lake is one of 66 recorded commutes into Cleveland, and it comes 22 by the number of workers on it, about 2,499. Every one of those routes meets the same rate in Cleveland. What separates them is what each home city gives back.
- Around 2,499 workers make this trip from Avon Lake into Cleveland. It is one of the busier commutes in the state, which is part of why it gets a page of its own.
- The credit here is real but bounded. Avon Lake allows residents about 100% of tax paid to another municipality, subject to a ceiling of about 1.5% of income, and on this pairing it is the ceiling rather than the share that binds. Cleveland withholds $1,500 at about 2.5%; Avon Lake returns $900 of that and collects the remainder of its own about 1.5% resident levy. The workplace accordingly costs $600 above the home-only position, against a total of $1,500.
- Cleveland is a major regional workplace, drawing recorded flows from 66 separate origins in this dataset. The route from Avon Lake ranks 22 among them by worker count, at roughly 2,499. Rank is not a proxy for tax outcome: every origin faces the same Cleveland rate, and what differs between them is the home municipality's credit, so a smaller route can carry a considerably worse result than a larger one.
- Census origin-destination statistics record approximately 2,499 workers commuting from Avon Lake to Cleveland, placing this among the larger intra-state flows in Ohio. The outcome set out above therefore has aggregate fiscal consequence for both municipalities, not merely individual consequence for the worker: the credit Avon Lake does or does not extend is applied to every one of them at once.
Where the money goes
A $75,000 salary
- Federal income tax$7,670
- Social Security and Medicare$5,738
- State income tax$1,346
- Yours$60,246
| Federal income tax10.23% | $7,670 |
|---|---|
| Social Security and Medicare7.65% | $5,738 |
| State income tax1.79% | $1,346 |
| Yours80.33% | $60,246 |
The arithmetic, step by step
| Cleveland takes, on income earned there | $1,500 |
|---|---|
| Avon Lake charges residents | $900 |
| Less the credit Avon Lake gives back | $900 |
| Total local tax | $1,500 |
| If you also lived in Cleveland | $900 |
| Difference | $600 |
On a reference salary of $60,000 a year. Both rates and the credit ceiling are shares of income, so every figure scales with your own pay.
What this page does not cover
- Do not add the two rates up, and do not assume the bigger one simply wins. Neither is how Ohio works. Both Cleveland and Avon Lake charge you. Avon Lake may then hand back what Cleveland took, or part of it, or none of it. Everything on this page turns on which of those it does.
- These figures rest on a local rule, not a state one. Avon Lake decides how much credit to give for tax already paid to Cleveland. It is worth confirming the current position with the city or its collection agency, because this is the part most likely to have changed.
- Watch for one more local tax. School district income tax is separate from what Avon Lake and Cleveland charge, and plenty of Ohio districts levy it. Working elsewhere makes no difference to it, and no credit offsets it.
- Do not read this as your whole tax bill. It is the part that answers to the commute between Avon Lake and Cleveland. State and federal tax carry on regardless, unchanged by which side of a city line your desk is on.
- Every dollar amount here uses a salary of sixty thousand a year. It is a benchmark, not a guess at what people in Avon Lake earn, because nobody publishes average pay for single municipalities. Scale the figures to your own salary. The rates and the credit work the same way at any income, so the Cleveland conclusion holds.
- Two misreadings bracket the correct answer and both are common. Ohio does not simply add the two rates together, which would overstate the charge; nor does it apply only the higher of them, which is Pennsylvania's rule and would understate it wherever the credit is partial. Cleveland taxes what is earned within its boundaries, Avon Lake taxes its residents on everything, and Avon Lake then credits some, all or none of what Cleveland collected. The credit is the entire mechanism, and it is set by Avon Lake rather than by the state.
- The credit rule modeled here is Avon Lake's own, adopted by ordinance and amendable by Avon Lake alone. Ohio's uniform framework governs definitions, filing and withholding; it does not compel any municipality to credit tax paid to another. A council vote in Avon Lake can therefore change every figure on this page without anything altering in Cleveland or in state law, which is a materially different exposure from a rate set by statute.
- Ohio school district income tax is a separate levy from municipal income tax and is excluded from these figures. It is imposed by school district of residence rather than by municipality, it is unaffected by employment in Cleveland, and no municipal credit applies to it. A resident of Avon Lake whose school district levies one owes it in addition to everything shown here, which is why the totals on this page are a municipal position rather than a complete local one.
- Only municipal income tax is modeled. Ohio's state income tax, federal income tax and payroll taxes all apply in addition and are invariant to the boundary between Avon Lake and Cleveland, which is precisely why they are excluded: isolating the layer that responds to the commute is the point of the comparison. A complete tax position requires adding them; a comparison of the two locations does not.
- Dollar figures are computed against a stated reference salary of sixty thousand rather than a municipal wage average, which no published source provides for Ohio municipalities. Both rates and the credit ceiling are proportional to income, so every figure scales linearly: the Avon Lake to Cleveland differential doubles at twice the salary and halves at half of it, and the rate relationship holds at every level. The one caveat is that whether the ceiling binds at all is itself scale-invariant here, because it too is expressed as a share of income rather than as a fixed dollar cap.
Questions people ask
Do I pay local tax twice — once where I work and once where I live?
You are taxed by both, then given credit for one. Working in Cleveland costs about 2.5%; living in Avon Lake costs about 1.5%, reduced by whatever share of the work tax the home city recognizes.
What does crossing this boundary actually cost me?
About $600 a year. That is the gap between this commute and an identical job in Avon Lake, and it exists purely because the boundary sits between them.
Is this a common enough commute to be worth modeling?
Yes — 2,499 people make this exact journey, according to the federal employment survey that tracks where workers live against where they work. Routes below a volume floor are not published, so a page existing here means the commute is real and measured.
How does a resident credit allocate liability between two municipalities?
Both jurisdictions assert a claim: Cleveland on the basis of work location at about 2.5%, Avon Lake on residence at about 1.5%. The residence municipality grants a credit for tax paid to the work municipality, commonly capped as a share of income. Net liability is the residence tax less that credit, floored at zero, plus the work tax.
What is the marginal local tax cost of this commute?
Marginal annual liability attributable to working outside the residence jurisdiction is $600 at the reference salary. This is a tax cost rather than a commuting expense and is not deductible as one. It scales with income and with the rate differential, not with distance traveled.
What is the basis for including this route?
Route volume is 2,499 workers, sourced from Census LODES origin-destination data. Pairs below the publication threshold are excluded rather than imputed, so page existence reflects measured commuting volume.