Iowa Take-Home Pay Calculator (2026)
EstimateBy Maria Thompson, CPA · Reviewed by Robert Johnson, CPA, JD-Tax · Updated May 8, 2026 · Methodology
See estimated take-home pay in Iowa (IA) after federal income tax, FICA (Social Security and Medicare), and state income tax for 2026. Use the indexed benchmarks below or open a specific salary page for breakdown, paystub view, and worked examples.
How Iowa taxes your paycheck
Iowa moved to a flat 3.8% state income tax in 2025 (accelerated from the original 2026 timeline), replacing a progressive system whose top rate was 8.98% as recently as 2022—one of the largest state tax restructurings of the decade.
Iowa school districts may impose a school district surtax of up to 20% calculated on the resident's state income tax liability rather than on income directly, and Iowa's state filing deadline is April 30 rather than the federal April 15.
Why this matters: Iowa accelerated its move to a flat 3.8% rate in 2025 (originally scheduled for 2026), making it one of the fastest tax restructurings in recent state history—down from a top rate of 8.98% just a few years earlier.
Estimated take-home pay by salary in Iowa
The table below shows estimated annual, monthly, and biweekly net pay after federal income tax, FICA, and state income tax for common salary milestones.
| Annual salary | Annual net | Monthly net | Biweekly net | Effective tax |
|---|---|---|---|---|
| $40,000 | $32,524 | $2,710 | $1,251 | 18.7% |
| $60,000 | $47,794 | $3,983 | $1,838 | 20.3% |
| $75,000 | $57,922 | $4,827 | $2,228 | 22.8% |
| $100,000 | $74,509 | $6,209 | $2,866 | 25.5% |
| $150,000 | $106,987 | $8,916 | $4,115 | 28.7% |
All indexed salary benchmarks for Iowa
Open any benchmark page for a full breakdown, paystub-style table, and links to nearby salary points and comparable states.
Local income tax notes — Iowa
Iowa school districts may impose a school district income surtax of 0%–20% on top of state tax liability, applied as a percentage of the state tax (not income); rates vary by district.
Iowa tax facts at a glance
| Abbreviation | IA |
| Tax structure | Flat 3.8% state income tax |
| Flat rate | 3.8% |
| Top marginal rate | 3.8% |
| Filing deadline | April 30 (Iowa's deadline is later than federal) |
| State revenue agency | Iowa Department of Revenue |
Iowa Take-Home Pay FAQs
Does Iowa have a state income tax?
Yes. Iowa moved to a flat 3.8% state income tax in 2025 (accelerated from the original 2026 timeline), replacing a progressive system whose top rate was 8.98% as recently as 2022—one of the largest state tax restructurings of the decade.
What is the top state income tax rate in Iowa?
Iowa uses a flat state income tax rate of 3.8% on taxable wages.
Are there any local income taxes in Iowa?
Iowa school districts may impose a school district income surtax of 0%–20% on top of state tax liability, applied as a percentage of the state tax (not income); rates vary by district.
How much is $75,000 after taxes in Iowa?
On a $75,000 salary in Iowa, estimated take-home pay is about $4,827 per month and $2,228 biweekly after federal income tax, FICA, and state income tax.
Does Iowa have wage reciprocity with other states?
Iowa does not have publicly listed wage reciprocity agreements with other states. Cross-border commuters typically file in both the state of residence and the state of work.
Methodology & Data Quality
This take-home pay calculator for Iowa is a planning tool. We publish how estimates are computed so results are easy to audit.
Last reviewed: February 9, 2026
How we calculate
- Estimate federal income tax from the 2026 progressive bracket model with the standard deduction baseline.
- Estimate FICA as Social Security (6.2% to the wage base) plus Medicare (1.45% with no cap).
- Estimate Iowa state tax from a flat 3.8% rate.
Assumptions
- Single-filer standard deduction baseline is used for planning.
- State tax modeling is simplified and does not replace a full state-form simulation.
- Results are annualized and converted to monthly and biweekly net pay.
Limitations
- Local taxes (e.g., NYC, Philadelphia, Detroit), credits, itemized deductions, and pre-tax benefits are not fully modeled.
- Actual payroll withholding can differ by employer payroll setup and pay frequency.
- Use payroll records or a tax professional for filing-level accuracy.