529 Plans

Ohio 529 Plan Rules

Ohio's plan is Ohio's 529 Plan, CollegeAdvantage. Ohio allows a deduction of up to $4,000 per beneficiary a year, with unlimited carryforward. Ohio's plan defines qualified expenses to include K-12 expenses up to $20,000 a year and says withdrawals for qualified expenses are generally not subject to Ohio income tax.

Plan: Ohio's 529 Plan, CollegeAdvantage
State tax break: Ohio allows a deduction of up to $4,000 per beneficiary a year, with unlimited carryforward.
K-12 withdrawals: State tax-free
Detail: Ohio's plan defines qualified expenses to include K-12 expenses up to $20,000 a year and says withdrawals for qualified expenses are generally not subject to Ohio income tax.
Maximum balance: $570,000 per beneficiary across Ohio 529 plans
Federal K-12 limit: $20,000 a year per student

For the federal conditions on tutoring and the full list of K-12 expenses, see Can you use a 529 plan for tutoring?

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Frequently asked questions

Does Ohio give a tax deduction for 529 contributions?

Ohio allows a deduction of up to $4,000 per beneficiary a year, with unlimited carryforward.

Can I use a Ohio 529 plan for tutoring?

Federal law allows it, and this state follows the federal treatment of K-12 withdrawals. Ohio's plan defines qualified expenses to include K-12 expenses up to $20,000 a year and says withdrawals for qualified expenses are generally not subject to Ohio income tax. Under the federal rule, the tutor cannot be related to the student and must be a licensed teacher, have taught at an eligible educational institution, or be a subject matter expert.

Can I use a Ohio 529 plan for private school or other K-12 costs?

Federal law allows up to $20,000 a year per student for K-12 tuition and the other listed expenses. Ohio's plan defines qualified expenses to include K-12 expenses up to $20,000 a year and says withdrawals for qualified expenses are generally not subject to Ohio income tax.

What is the maximum balance in a Ohio 529 plan?

$570,000 per beneficiary across Ohio 529 plans.

State rules: Ohio's 529 Plan, CollegeAdvantage official documents. Federal rules: IRS Tax Topic 313 and Public Law 119-21. Read October 6, 2026. This page is general information, not tax advice.