Springfield Township to Toledo
Ohio municipal income tax, Chapter 718 framework · credit set by Springfield Township ordinance · tax year 2026
Work city takes
2.5%
Toledo, on income earned there
Home city charges
2.4%
Springfield Township, residents
Credit back
$750
a share of the work tax
Cost of the commute
$750
a year, above working at home
What it costs you
partial creditSpringfield Township credits only part of what Toledo takes, so the remainder is taxed twice. Solid is what you pay; the faded part of the Springfield Township 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
- Partial credit is the catch in this one. Over a year Toledo withholds $1,500 from your pay. Springfield Township returns $750 of that and keeps the rest of its own claim on you. So the commute is not free. It costs $750 more than staying put would.
- This route from Springfield Township is 2 of 9 recorded commutes into Toledo, with around 3,990 people on it. Treat the ranking loosely. Only flows above a certain size are published at all.
- Roughly 3,990 people travel from Springfield Township to Toledo for work. Multiply one household's answer by that, and the credit rule stops being a detail.
- Springfield Township credits only part of what its residents pay elsewhere. Its ordinance allows about 50% of tax paid to another municipality, and on this pairing that share, rather than the income ceiling, is what limits the relief. Against $1,500 withheld by Toledo, the credit returns $750, leaving Springfield Township to collect the balance of its about 2.4% resident levy. The workplace accounts for $750; the year's local total is $2,190.
- Toledo records 9 qualifying commuting origins in this dataset, of which Springfield Township ranks 2 by worker count at approximately 3,990. A workplace of this size draws from a small enough set of origins that the comparison is indicative rather than statistical, and the published floor excludes an unknown tail of smaller flows.
- Census origin-destination statistics record approximately 3,990 workers commuting from Springfield Township to Toledo, 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 Springfield Township 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
| Toledo takes, on income earned there | $1,500 |
|---|---|
| Springfield Township charges residents | $1,440 |
| Less the credit Springfield Township gives back | $750 |
| Total local tax | $2,190 |
| If you also lived in Toledo | $1,440 |
| Difference | $750 |
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
- Here is the shape of it, because the arithmetic is easy to get wrong. You are taxed by both cities. What happens next is up to Springfield Township: it may credit all of what Toledo took, some of it, or none at all. That choice belongs to the city rather than to the state, which is why identical salaries in neighboring towns land so differently.
- The credit rule on this page belongs to Springfield Township, not to the state. Its council sets it and its council can change it. Nothing needs to happen in Toledo or at the state level for these numbers to move. Check the current rule before you rely on it.
- Ohio has a second local tax that is not on this page. Some school districts levy their own income tax. It depends on where you live, not on your job in Toledo, and the credit from Springfield Township does not touch it. If your district charges one, add it to everything here.
- These figures are the local layer alone. Whatever Springfield Township and Toledo take sits on top of state, federal and payroll tax. Those three are the same wherever in Ohio you work, so putting them in would bury the difference this page is about.
- Every dollar amount here uses a salary of sixty thousand a year. It is a benchmark, not a guess at what people in Springfield Township 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 Toledo 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. Toledo taxes what is earned within its boundaries, Springfield Township taxes its residents on everything, and Springfield Township then credits some, all or none of what Toledo collected. The credit is the entire mechanism, and it is set by Springfield Township rather than by the state.
- The credit rule modeled here is Springfield Township's own, adopted by ordinance and amendable by Springfield Township 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 Springfield Township can therefore change every figure on this page without anything altering in Toledo 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 Toledo, and no municipal credit applies to it. A resident of Springfield Township 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 Springfield Township and Toledo, 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 Springfield Township to Toledo 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?
Two claims, one partly canceled. Toledo takes about 2.5% because you work there, Springfield Township charges about 2.4% because you live there, and the home city credits some of the first against the second.
What does crossing this boundary actually cost me?
About $750 a year. That is the gap between this commute and an identical job in Springfield Township, and it exists purely because the boundary sits between them.
Why does my home town not credit the whole of what the other one took?
Because the credit is set locally, and Springfield Township chose not to make it whole. A city that credits everything gives up revenue from every resident who works elsewhere, so most cap it — which is exactly where a commuter's extra cost comes from.
Is this a common enough commute to be worth modeling?
It is. 3,990 workers travel this pair, per the federal origin-destination survey; smaller routes fall below the publication floor and get no page.
How does a resident credit allocate liability between two municipalities?
Both jurisdictions assert a claim: Toledo on the basis of work location at about 2.5%, Springfield Township on residence at about 2.4%. 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 $750 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.
Why is the residence credit less than the full work-district tax?
Credit rates and ceilings are set by the residence municipality, not by state law. A full credit would forgo residence-based revenue from every outbound commuter, so credits are commonly partial or capped as a share of income. The uncredited remainder is the commuter's marginal cost.
What is the basis for including this route?
Route volume is 3,990 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.