Iowa hourly & salary paycheck calculator 2026
On a $75,000 salary, a single filer in Iowa takes home about $59,394 a year. That's $2,284.40 every two weeks. Iowa has a flat 3.8% income tax, costing $2,198 a year on that salary.
$59,394 a year · $4,950 a month · total tax $15,606 (20.81% of gross)
| Line | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,884.62 | $75,000.00 |
| Federal income tax | -$295.00 | -$7,670.00 |
| Social Security (6.2%) | -$178.85 | -$4,650.00 |
| Medicare (1.45%) | -$41.83 | -$1,087.50 |
| Iowa income tax | -$84.55 | -$2,198.20 |
| Take-home pay | $2,284.40 | $59,394.30 |
Federal taxable income $58,900 (after the $16,100 standard deduction), marginal federal rate 22%, Iowa taxable income $58,900, marginal state rate 3.8%. This is an annual estimate. Your employer's withholding tables and your Form W-4 choices move the per-check amount a little.
How Iowa taxes your paycheck
Iowa has a flat 3.8% income tax. Before the rates apply, you subtract a standard deduction of $16,100 ($32,200 married). Then a $40 credit ($80 married) comes off the tax. On $75,000, Iowa takes 2.93% of your salary in income tax. Your last dollar pays 3.8%. In other words, the rate in the table is not the rate you pay on the whole salary.
| Taxable income | Rate |
|---|---|
| Over $0 | 3.8% |
Local income taxes in Iowa
| Where | What workers pay |
|---|---|
| School districts | school district surtax charged as a percentage of your state tax |
Worked example: $75,000 salary, single, Iowa
- Federal taxable income: $75,000 − $16,100 standard deduction = $58,900.
- Federal income tax: 10% × $12,400 + 12% × $38,000 + 22% × $8,500 = $7,670.00.
- FICA: 6.2% Social Security × $75,000 = $4,650.00; 1.45% Medicare × $75,000 = $1,087.50.
- Iowa taxable income: $75,000 − $16,100 in state deductions/exemptions = $58,900. Tax: 3.8% × $58,900 − $40 credit = $2,198.20.
- Take-home: $75,000 − $15,606 total taxes = $59,394 a year ($2,284.40 biweekly, $4,949.53 monthly). Effective tax rate: 20.8%.
Iowa take-home pay by salary (2026, single)
| Salary | Federal tax | FICA | IA tax | Take-home / yr | / month | Effective rate |
|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $488 | $25,797 | $2,150 | 14% |
| $50,000 | $3,820 | $3,825 | $1,248 | $41,107 | $3,426 | 17.8% |
| $75,000 | $7,670 | $5,738 | $2,198 | $59,394 | $4,950 | 20.8% |
| $100,000 | $13,170 | $7,650 | $3,148 | $76,032 | $6,336 | 24% |
| $150,000 | $24,734 | $11,475 | $5,048 | $108,743 | $9,062 | 27.5% |
At $30,000 the effective tax rate in Iowa is 14%. At $150,000 it is 27.5%.
In Iowa, moving from $50,000 to $100,000 raises take-home by $34,925. That's 69.9% of the extra $50,000. Put another way, you keep about 70 cents of each extra dollar. Stop on that number for a second. The best state lets you keep 73.7%.
A married couple filing jointly on a combined $100,000 keeps $82,214 in Iowa. That's $6,182 more than a single filer. Most of it comes from federal tax, where the standard deduction and brackets double. $652 comes from Iowa's own rules for couples.
Iowa vs. neighboring states
At $75,000 (single), Iowa ranks #2 of 7 in its region and #16 of 51 nationally. That's $2,198 a year less than the best state, Florida.
| State | State tax + payroll | Take-home | vs. IA |
|---|---|---|---|
| South Dakota | $0 | $61,593 | +$2,198 |
| Iowa | $2,198 | $59,394 | — |
| Nebraska | $2,533 | $59,060 | −$335 |
| Missouri | $2,588 | $59,005 | −$389 |
| Wisconsin | $2,944 | $58,649 | −$745 |
| Illinois | $3,568 | $58,025 | −$1,370 |
| Minnesota | $3,907 | $57,686 | −$1,708 |
This comparison leaves out local income taxes. For city residents, local taxes can change the order.
Reciprocity agreements
Iowa has reciprocal agreements with Illinois. Say you live in one of those states and work in Iowa, or the reverse. You can give your employer an exemption certificate. Then only your home state withholds income tax. That's the whole point of reciprocity.
What makes Iowa different
- Iowa moved to a single 3.8% rate in 2025, down from a top rate of 8.53% as recently as 2022.
- Iowa now starts from federal taxable income, so the federal standard deduction applies.
- Most school districts add a surtax. The surtax is a percentage of your Iowa income tax, not of your income.
The largest cities are Des Moines, Cedar Rapids, Davenport, Sioux City. Official forms and withholding tables come from the Iowa Department of Revenue.
Frequently asked questions
How much is $75,000 a year after taxes in Iowa?
About $59,394 for a single filer in 2026. That's $2,284.40 per biweekly paycheck. It assumes the standard deduction and no 401(k). The taxes are $7,670 federal income tax, $5,738 Social Security and Medicare, and $2,198 Iowa income tax.
What is Iowa's income tax rate in 2026?
Iowa has a flat 3.8% income tax. On a $75,000 salary the effective state rate is 2.93%. The rate on your last dollar (the marginal rate) is 3.8%.
Are there local income taxes in Iowa?
Yes. School districts: school district surtax charged as a percentage of your state tax. These are not included in the totals above.
Sources
These estimates cover wages only. They use the standard deduction and no credits. Some things would lower your federal tax, and they are not here: the 2026 child tax credit ($2,200 per child) and the 2025–2028 deductions for tips (up to $25,000), qualified overtime (up to $12,500, or $25,000 married), seniors 65+ ($6,000 each) and car-loan interest (up to $10,000). If any of those apply to you, your real federal tax is lower.
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Updated: October 2, 2026 · Sources and methodology