Sylvania Township to Toledo
Ohio municipal income tax, Chapter 718 framework · credit set by Sylvania Township ordinance · tax year 2026
Work city takes
2.5%
Toledo, on income earned there
Home city charges
1.5%
Sylvania Township, residents
Credit back
$900
capped by the ceiling
Cost of the commute
$600
a year, above working at home
What it costs you
ceiling bindsSylvania Township'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 Sylvania 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
- Sylvania Township does credit you for the tax Toledo takes. It just stops early. The credit cannot pass about 1.5% of your income, and Toledo charges more than that, so it runs out before the bill does. Working there costs $600 a year more than working at home would. All in, local tax is $1,500.
- No route sends more people into Toledo than this one. About 5,588 workers come from Sylvania Township, putting it top of 9 recorded origins. Whatever the tax rule does here, it does to a lot of households at once.
- Roughly 5,588 people travel from Sylvania Township to Toledo for work. Multiply one household's answer by that, and the credit rule stops being a detail.
- The credit here is real but bounded. Sylvania Township 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. Toledo withholds $1,500 at about 2.5%; Sylvania Township 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.
- This is the largest recorded flow into Toledo. Of 9 origins feeding that workplace in this dataset, Sylvania Township supplies the most workers at approximately 5,588. The credit outcome described above therefore applies to more commuters than any other single route into the city, which matters when the outcome is an adverse one: the same ordinance governs every origin, but the populations behind each are very different.
- Census origin-destination statistics record approximately 5,588 workers commuting from Sylvania 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 Sylvania 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 |
|---|---|
| Sylvania Township charges residents | $900 |
| Less the credit Sylvania Township gives back | $900 |
| Total local tax | $1,500 |
| If you also lived in Toledo | $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
- 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 Sylvania 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 Sylvania 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.
- This page covers city income tax only. Your school district may charge its own on top, and many in Ohio do. That one follows your address in Sylvania Township rather than your workplace in Toledo, and it is not credited against anything.
- Do not read this as your whole tax bill. It is the part that answers to the commute between Sylvania Township and Toledo. State and federal tax carry on regardless, unchanged by which side of a city line your desk is on.
- The dollar figures rest on one assumed salary, sixty thousand. Double your pay and they double. Halve it and they halve. What stays put is the relationship between what Toledo charges and what Sylvania Township gives back, which is the part worth carrying away.
- 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, Sylvania Township taxes its residents on everything, and Sylvania Township then credits some, all or none of what Toledo collected. The credit is the entire mechanism, and it is set by Sylvania Township rather than by the state.
- The credit rule modeled here is Sylvania Township's own, adopted by ordinance and amendable by Sylvania 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 Sylvania 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 Sylvania 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 Sylvania 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 Sylvania 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, Sylvania Township charges about 1.5% 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 $600 a year. That is the gap between this commute and an identical job in Sylvania Township, and it exists purely because the boundary sits between them.
Is this a common enough commute to be worth modeling?
Yes — 5,588 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: Toledo on the basis of work location at about 2.5%, Sylvania Township 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 5,588 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.