Toledo to Springfield Township
Ohio municipal income tax, Chapter 718 framework · credit set by Toledo ordinance · tax year 2026
Work city takes
2.4%
Springfield Township, on income earned there
Home city charges
2.5%
Toledo, residents
Credit back
$1,440
a share of the work tax
Cost of the commute
$0
a year, above working at home
What it costs you
no extra local taxToledo credits only part of what Springfield Township takes, so the remainder is taxed twice. Solid is what you pay; the faded part of the Toledo 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
- Here is the good news. Working in Springfield Township costs you nothing extra in local tax. Toledo charges residents about 2.5%, and it credits back every dollar Springfield Township collects from you. Either way your bill is $1,500 a year. What changes is which city keeps the money, not how much of it you hand over.
- There is room here, and it is measurable. Springfield Township could take another $60 a year from you before Toledo's credit ran out. Until then the two cities settle it between themselves and you pay what you would have paid at home.
- Of all the places people commute to Springfield Township from, Toledo sends the most. The count is about 2,804 workers, top of 3 recorded routes. A rule that costs money on this pairing costs it at scale.
- This is a well-traveled road. About 2,804 people go from Toledo to work in Springfield Township. That is a lot of households meeting the same rule at the same time.
- This pairing is neutral to the worker. Springfield Township withholds about 2.4% on income earned there, and Toledo, which levies about 2.5% on residents, credits that payment in full without reaching its own ceiling. Liability at the reference salary is therefore $1,500 — precisely what the same earnings would attract with no commute at all. What the arrangement alters is the division of revenue between Springfield Township and Toledo, not the sum leaving the worker's pay.
- The margin is worth knowing, because it is not large. Toledo credits tax paid to Springfield Township only up to a ceiling set as a share of income, and Springfield Township's levy currently sits below it with $60 of annual room to spare at the reference salary. Were Springfield Township to raise its rate past that point, the excess would cease to be credited and would fall on the worker rather than on either treasury.
- This is the largest recorded flow into Springfield Township. Of 3 origins feeding that workplace in this dataset, Toledo supplies the most workers at approximately 2,804. 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 2,804 workers commuting from Toledo to Springfield Township, 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 Toledo 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
| Springfield Township takes, on income earned there | $1,440 |
|---|---|
| Toledo charges residents | $1,500 |
| Less the credit Toledo gives back | $1,440 |
| Total local tax | $1,500 |
| If you also lived in Springfield Township | $1,500 |
| Difference | $0 |
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 Springfield Township and Toledo charge you. Toledo may then hand back what Springfield Township took, or part of it, or none of it. Everything on this page turns on which of those it does.
- The credit rule on this page belongs to Toledo, not to the state. Its council sets it and its council can change it. Nothing needs to happen in Springfield Township 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 Springfield Township, and the credit from Toledo does not touch it. If your district charges one, add it to everything here.
- One tax is on this page and it is the city one. State tax, federal tax and Social Security all still come out of your pay. None of them change when you cross the line between Toledo and Springfield Township. That is exactly why they are left out.
- Every dollar amount here uses a salary of sixty thousand a year. It is a benchmark, not a guess at what people in Toledo 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 Springfield Township 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. Springfield Township taxes what is earned within its boundaries, Toledo taxes its residents on everything, and Toledo then credits some, all or none of what Springfield Township collected. The credit is the entire mechanism, and it is set by Toledo rather than by the state.
- The credit rule modeled here is Toledo's own, adopted by ordinance and amendable by Toledo 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 Toledo can therefore change every figure on this page without anything altering in Springfield Township 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 Springfield Township, and no municipal credit applies to it. A resident of Toledo 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 Toledo and Springfield Township, 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 Toledo to Springfield Township 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. Springfield Township takes about 2.4% because you work there, Toledo charges about 2.5% because you live there, and the home city credits some of the first against the second.
Does working in a different town cost me anything?
On this route, nothing. You owe exactly what you would have owed working at home — the boundary is real on a map and invisible on your pay stub, which is not true of every pair of towns here.
Is this a common enough commute to be worth modeling?
It is. 2,804 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: Springfield Township on the basis of work location at about 2.4%, Toledo on residence at about 2.5%. 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.
Why is the marginal cost of this crossing zero?
Marginal liability from working outside the residence jurisdiction is zero on this route. The crossing alters the distribution of revenue between jurisdictions but not the employee's total. ⚠️ This is route-specific and does not generalise to other pairs in the same dataset.
What is the basis for including this route?
Route volume is 2,804 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.