How Iowa taxes paychecks
A single filer earning $75,000 in Iowa pays about $2,198 in state tax and takes home $59,394 a year ($2,284 bi-weekly). That puts Iowa 16th of 51 (1 = lowest state tax at this income).
Iowa applies a single flat rate of 3.8% to taxable income. Before the rate applies, this calculator subtracts a standard deduction and/or personal exemption of about $16,100 for single filers and $32,200 for married couples filing jointly. Most residents see state tax withheld from every paycheck by their employer based on the state withholding certificate.
Calculation note: IDR: flat 3.8% for 2026; starts from federal taxable income.
Effective tax rates by income in Iowa
Single filer, standard deduction, no pre-tax deductions. "State rate" is state tax divided by gross salary; "Total rate" includes federal income tax and FICA.
| Salary | State tax | State rate | Total rate | Take-home / yr |
|---|---|---|---|---|
| $30,000 | $488 | 1.6% | 14.0% | $25,797 |
| $50,000 | $1,248 | 2.5% | 17.8% | $41,107 |
| $75,000 | $2,198 | 2.9% | 20.8% | $59,394 |
| $100,000 | $3,148 | 3.1% | 24.0% | $76,032 |
| $150,000 | $5,048 | 3.4% | 27.5% | $108,743 |
| $250,000 | $8,848 | 3.5% | 30.3% | $174,334 |
Iowa paycheck examples
What a typical salary looks like per bi-weekly paycheck, after all taxes.
| Salary | Federal | FICA | State | Bi-weekly | Monthly |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $868 | $1,286.61 | $2,788 |
| $60,000 | $5,020 | $4,590 | $1,628 | $1,875.45 | $4,063 |
| $80,000 | $8,770 | $6,120 | $2,388 | $2,412.38 | $5,227 |
| $100,000 | $13,170 | $7,650 | $3,148 | $2,924.30 | $6,336 |
| $120,000 | $17,570 | $9,180 | $3,908 | $3,436.22 | $7,445 |
Paid hourly? $25 an hour is about $42,638 a year after taxes in Iowa.
Iowa vs. neighboring states
Compared with its neighbors, take-home pay at $75,000 is higher in South Dakota, and lower in Minnesota, Wisconsin, Illinois, Missouri, Nebraska. Cross-border commuters should note that wages are generally taxed where you work and credited where you live; reciprocity agreements vary by state.
Sources & review
- Iowa rates and deductions: Iowa tax authority publication (tax year 2026, status: verified against official source)
- Federal brackets & standard deduction: IRS Rev. Proc. 2025-32
- Social Security wage base: SSA
- Cross-check: Tax Foundation 2026 state rates
Reviewed November 4, 2026 · How we calculate
Frequently asked questions
How much is $60,000 a year after taxes in Iowa?
A single filer earning $60,000 in Iowa takes home about $48,762 per year in 2026, or $1,875 per bi-weekly paycheck ($4,063 per month).
Does Iowa have a state income tax?
Iowa applies a single flat rate of 3.8% to taxable income. Before the rate applies, this calculator subtracts a standard deduction and/or personal exemption of about $16,100 for single filers and $32,200 for married couples filing jointly.
What is the effective tax rate on $100,000 in Iowa?
On a $100,000 salary (single, standard deduction) total taxes are about $23,968, an effective rate of 24.0%. State tax accounts for $3,148 (3.1%).
How do 401(k) contributions change my Iowa paycheck?
Traditional 401(k) contributions are subtracted before federal and, in this calculator, Iowa income tax, so each $1 you contribute costs less than $1 in take-home pay. Social Security and Medicare still apply. Open “Advanced options” in the calculator to model it.
What are the 2026 FICA rates?
Social Security is 6.2% on wages up to $184,500 and Medicare is 1.45%, plus 0.9% Additional Medicare Tax withheld on wages above $200,000.