Iowa Paycheck Calculator 2026
Calculate your exact take-home pay in Iowa after federal and state taxes (Iowa has a state income tax).
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Where does your paycheck go?
In Iowa, you work until Mar 20 just to cover taxes.
Workers in Alaska are done by Mar 9.
Take-home at every salary level
| Salary | Federal | FICA | State | Take-home | Eff. rate |
|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $528 | $25,757 | 14.1% |
| $40,000 | $2,620 | $3,060 | $908 | $33,412 | 16.5% |
| $50,000 | $3,820 | $3,825 | $1,288 | $41,067 | 17.9% |
| $60,000 | $5,020 | $4,590 | $1,668 | $48,722 | 18.8% |
| $80,000 | $8,770 | $6,120 | $2,428 | $62,682 | 21.6% |
| $100,000 | $13,170 | $7,650 | $3,188 | $75,992 | 24.0% |
| $125,000 | $18,734 | $9,563 | $4,138 | $92,565 | 25.9% |
| $150,000 | $24,734 | $11,475 | $5,088 | $108,703 | 27.5% |
| $200,000 | $36,734 | $14,339 | $6,988 | $141,939 | 29.0% |
| $250,000 | $51,304 | $15,514 | $8,888 | $174,294 | 30.3% |
Iowa Income Tax Overview
Iowa has a flat income tax rate of 3.8% for 2026 — a dramatic simplification from what was previously a nine-bracket progressive system with a top rate of 8.53%. Iowa's ongoing tax reform has been one of the most significant state income tax reductions in the country in recent years. The flat rate uses the federal standard deduction ($16,100 for single filers), which is among the most generous state standard deductions available. No Iowa city charges a local income tax on wages, so workers in Des Moines, Cedar Rapids, Davenport, and every other city all face the same effective rate statewide.
Here's what a single Iowa filer keeps in 2026. On a $50,000 salary, take-home is approximately $40,877 per year ($3,406/month) — with state income tax totaling $1,288. At $80,000, take-home is $62,150 ($5,179/month), with the state taking $2,428. At $100,000, you keep $75,460 ($6,288/month), with $3,188 going to Iowa. At $150,000, take-home is $108,094 ($9,008/month), with the state taking $5,088. Iowa's generous standard deduction means the effective rate is roughly 3.2–3.4% for most middle-income earners.
Compared to neighboring Wisconsin (up to 5.3% for most earners), Iowa workers save roughly $1,200 per year at $80,000 in state income tax. Against Illinois (4.95% flat, lower standard deduction), Iowa workers save approximately $1,500 per year at $80,000. Minnesota workers at $80,000 pay roughly $3,900 more in state taxes than Iowa workers. South Dakota to the west has no income tax, meaning South Dakota workers take home about $2,428 more per year at $80,000.
Watch out: Iowa's flat rate of 3.8% is the 2026 number, and the legislature has committed to further reductions — the rate is expected to continue declining in subsequent years under the existing reform legislation. If you're doing multi-year financial planning, use 3.8% for 2026 but expect future years to be slightly lower. Iowa does not have a tax on Social Security benefits for most retirees (there is an exemption), which makes it more attractive for retirement planning than the income tax rate alone suggests.