Ohio State Tax on Lottery Winnings
Free Ohio lottery tax calculator for Powerball and Mega Millions. Ohio taxes lottery winnings at 2.75% (top marginal rate).
Current Powerball $516M jackpot, single filer
$128.14M
Actual take-home: 24.8% of what they advertise
What You'd Actually Take Home.
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Standard deduction: $16,100. All lottery income is taxed at your individual rate. This is the most common filing status for winners.
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What to Know Before Claiming a Jackpot in Ohio
Ohio moved to a flat 2.75% income tax in 2026, replacing its old two-bracket system, so a jackpot winner keeps slightly more than in prior years and the math is simpler. The harder question in Ohio is privacy. The name and address of an individual who claims a prize are public record, but Ohio is one of the states where a properly formed trust can claim on the winner's behalf, and the personal details of the people behind that trust stay confidential. Set the trust up before you sign the ticket, because you cannot add that layer after claiming. You have 180 days to claim, and jackpots are handled by appointment at a regional office.
- State tax rate (2026)
- 2.75% flat, on income over $26,050; income at or below $26,050 is not taxed
- Deadline to claim
- 180 days from the draw date
- Anonymity
- The name and address of an individual who claims a prize are public record. A trust may claim instead, and the name, address, and Social Security number of each trust beneficiary in the Lottery's records are confidential
- Where jackpots are claimed
- By appointment at an Ohio Lottery regional office for Powerball, Mega Millions, and Classic Lotto top prizes
- What proceeds fund
- Public education. All Ohio Lottery profit goes to the Lottery Profits Education Fund for primary, secondary, vocational, and special education, about $1.45 billion in fiscal 2025 and more than $34 billion since 1974
Sources: Ohio Legislative Service Commission: H.B. 96 Tax Bill Analysis (as enacted) · Ohio Lottery: How To Claim · Ohio Revised Code Section 3770.07 · Ohio Lottery: Economic Impacts
Ohio Lottery Winnings Tax Overview
The Ohio state tax on lottery winnings is 2.75%, well below the national median for states that collect a lottery tax. This puts Ohio at number 39 out of 41 taxed states, which means a larger share of your Powerball or Mega Millions prize stays in your pocket once the federal lottery tax of up to 37% is settled. The Ohio lottery tax calculator above shows the exact lump sum take home for any current jackpot.
How the Ohio Lottery Payout Calculator Works
In Ohio, the lottery payout calculation begins with the lump sum cash option, which equals roughly 45% of the advertised jackpot. The IRS withholds 24% federal lottery tax at the moment of payout, but a Powerball or Mega Millions prize pushes the winner into the 37% top federal bracket, so additional federal tax comes due at filing. On top of that, Ohio taxes lottery winnings at 2.75% of the full lump sum. The lottery payout calculator above runs all of this math for you, using IRS 2026 brackets and the top marginal Ohio lottery tax rate.
How Ohio Compares to Other Lottery Tax States
Ohio's 2.75% lottery tax rate ranks number 39 out of 41 taxed states. States with a higher lottery tax rate than Ohio include Louisiana and Indiana. States with a lower rate include Arizona and North Dakota. For context, 10 states collect no lottery tax at all, which means a Powerball or Mega Millions winner in one of those states keeps an extra 2.75% of their lump sum compared to a winner in Ohio.
Ohio Lottery Tax FAQs
What is the Ohio state tax on lottery winnings?
Ohio taxes lottery winnings at a top marginal rate of 2.75%. This rate applies to the lump sum cash option from any Powerball or Mega Millions prize, and it is paid in addition to the federal lottery tax of up to 37% at the highest bracket. The lottery tax calculator above shows the exact dollar amount for any current jackpot.
Should I take the lump sum or annuity in Ohio?
Most Powerball and Mega Millions winners choose the lump sum cash option. In Ohio, both options face the same 2.75% state lottery tax rate, but the annuity spreads the tax across 30 years while the lump sum delivers the full cash value now. The lottery payout calculator above shows the lump sum after taxes; the annuity choice is a separate financial decision based on personal goals and investment return assumptions.
Does Ohio withhold tax on a lottery payout before payment?
The IRS withholds 24% federal lottery tax on any lottery prize above $5,000 before the winner ever sees the check. Ohio also withholds state tax at or near the 2.75% top rate at the moment of payout. The remaining federal balance, up to the 37% top bracket, then comes due in April when the winner files a federal return.
Can you stay anonymous if you win the lottery in Ohio?
Not as an individual. Ohio law makes the name and address of a person who claims a lottery prize a public record. Ohio does let a trust claim a prize through its trustee, though, and once a trust is the claimant, the names, addresses, and Social Security numbers of the individual beneficiaries in the Lottery's records are confidential and not released. A winner who wants that protection needs the trust in place before claiming.