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Ohio auto loan calculator

Estimated monthly car payment in Ohio

$444/mo

60 months at 7.54% APR · amount financed $22,136

State tax 5.75% on $25,000$1,437.50
Total sales tax$1,437.50
Dealer doc fee$699.00
Total interest$4,502.96
Total cost (price + tax + fees + interest)$41,639

Pick your county and city above for the exact local rate, or type it in the local box.

Used car $20k New car $35k $50k truck + $15k trade $30k, 84 months

Vehicle price $35,000

Trade-in value $10,000

Down payment $5,000

APR % 7.54

Loan term (months)

Your location (fills the exact local rate)

Which location? The county where you live.

CountyCity

Source: Ohio Department of Taxation, State and Permissive (Local) Sales and Use Tax Rates in Effec… (October 1, 2026; retrieved October 12, 2026). Verify with your county clerk.

State vehicle tax % (OH 5.75%)Local tax % (auto-filled or enter yours)Dealer documentation fee $Title/registration $ (enter yours)

Loan breakdown

Vehicle price
$35,000
− Trade-in
$10,000
− Down payment
$5,000
+ Sales tax (trade-in credit applied (partial rules; verify))
$1,437.50
+ Doc fee
$699.00
+ Title/registration
$0.00
= Amount financed
$22,136.50
Monthly payment
$443.99
Total of payments
$26,639.46
Total interest
$4,502.96

Tax is applied to the price minus any allowed trade-in credit; whether doc fees, rebates and add-ons are taxable varies by state and isn't modeled. Assumes the trade-in has no loan balance.

Share this result: vaultrubric.com/tools/auto-loan-calculator/ohio?price=35000&trade=10000&down=5000&rate=7.54&term=60&tax=5.75&doc=699&title=0&local=0

Ohio car loan, at a glance: state vehicle tax 5.75% (Vehicle purchases taxed at the state general sales tax rate; local taxes may add.) A $35,000 car with $5,000 down over 60 months at 7.54% APR is about $656/mo, financing $32,712 incl. $2,012 tax and the $699 doc fee.

⚠ Uncertain data for Ohio: trade-in rule. Verify before relying on it.

Base sales tax: Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026. APR: Federal Reserve G.19, 60-month new car loan rate at commercial banks (FRED RIFLPBCIANM60NM), August 2026.

Ohio car-buying taxes & fees

State vehicle taxVehicle purchases taxed at the state general sales tax rate; local taxes may add. Confidence: medium.
5.75%
General state sales taxTax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026. Local taxes may add.
5.75%
Trade-in tax creditOhio reportedly allows the credit on new-vehicle purchases but not used; full credit assumed, verify. Confidence: low.
Partial
Doc fee capNo doc-fee cap found in our best-effort check; many states require only disclosure.
None found
Title & registrationVaries by vehicle weight, value, age and county; not reliably sourced for every state, so enter your own estimate.
Editable

Sources & as-of dates

Base sales tax: Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates) (as of January 1, 2026).
Vehicle-specific rates, trade-in rules and doc-fee caps: best-effort compilation from state DMV/revenue rules (Best-effort, checked October 12, 2026); e.g. Virginia DMV, Michigan Treasury Form 485, California CDTFA Regulation 1610.
Default APR: Federal Reserve G.19, 60-month new car loan rate at commercial banks (FRED RIFLPBCIANM60NM), 7.54% (August 2026). Data file: state-tax-rates.json.
Local vehicle tax (exact county/city table): Ohio Department of Taxation, State and Permissive (Local) Sales and Use Tax Rates in Effect as of October 2026 by County (retrieved October 12, 2026). Ohio charges the 5.75% state rate plus the county permissive and any transit-authority rate; for vehicles the clerk of courts title office collects at the rate for the county where you live. Verify with your county title office. Data file: oh.json.

Ohio mortgage calculator → · Ohio car sales tax calculator · All states

FAQ

What is the car sales tax in Ohio?

5.75% at the state level. Vehicle purchases taxed at the state general sales tax rate; local taxes may add. Statewide general sales tax: 5.75% (Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026).

Does Ohio give a sales tax credit for a trade-in?

Partly. Ohio reportedly allows the credit on new-vehicle purchases but not used; full credit assumed, verify. (Best-effort; verify with the state DMV or revenue department.)

Does Ohio add county or city tax on a car?

Yes. Ohio charges the 5.75% state rate plus the county permissive and any transit-authority rate; for vehicles the clerk of courts title office collects at the rate for the county where you live. Verify with your county title office. The calculator fills the exact rate when you pick your county and city (Ohio Department of Taxation, State and Permissive (Local) Sales and Use Tax Rates in Effect as of October 2026 by County, October 1, 2026). Verify with your county clerk.

Does Ohio cap dealer doc fees?

No doc-fee cap found in our best-effort check; many states require only disclosure. This calculator defaults to $699, editable.

What is the monthly payment on a $35,000 car in Ohio?

With $5,000 down, no trade-in, the $699 doc fee, 5.75% state tax and 7.54% APR for 60 months, about $656 a month ($6,654 total interest). Local taxes and registration add to this.

Is this financial advice?

No. These are estimates, not financial advice.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.