Take-home pay in Iowa by salary
Yearly take-home pay for a single filer paid every two weeks, with no 401(k), HSA or insurance deductions, under the 2026 federal rules and Iowa's 2026 state rules. Social Security is 6.2% up to $184,500 of wages and Medicare 1.45%.
| Salary | Federal tax | Social Security + Medicare | Iowa tax | Take-home | Per paycheck |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $868 | $33,452 | $1,286.61 |
| $60,000 | $5,020 | $4,590 | $1,628 | $48,762 | $1,875.45 |
| $80,000 | $8,770 | $6,120 | $2,388 | $62,722 | $2,412.38 |
| $100,000 | $13,170 | $7,650 | $3,148 | $76,032 | $2,924.30 |
| $150,000 | $24,734 | $11,475 | $5,048 | $108,743 | $4,182.42 |
Taxes on $100,000 come to 24% of gross pay in Iowa; on $40,000 they are 16.4%. Local income taxes are not included; enter a rate in the calculator if your city or county charges one.
Per paycheck by pay schedule
The same take-home pay split by how often you are paid. Federal and state taxes are worked out for the whole year here, so the yearly total is the same on every schedule.
| Salary | Weekly (52) | Biweekly (26) | Semimonthly (24) | Monthly (12) |
|---|---|---|---|---|
| $40,000 | $643.30 | $1,286.61 | $1,393.83 | $2,787.65 |
| $60,000 | $937.73 | $1,875.45 | $2,031.74 | $4,063.48 |
| $80,000 | $1,206.19 | $2,412.38 | $2,613.41 | $5,226.82 |
| $100,000 | $1,462.15 | $2,924.30 | $3,167.99 | $6,335.98 |
| $150,000 | $2,091.21 | $4,182.42 | $4,530.95 | $9,061.90 |
A $5,000 raise on a $60,000 salary adds about $3,828 a year to take-home pay in Iowa, $147.21 per biweekly paycheck. The rest goes to $600 federal income tax, $383 Social Security and Medicare and $190 Iowa income tax.
Iowa income tax in 2026
Iowa applies one rate, 3.8%, to taxable income. On $60,000 that comes to about $1,628 for 2026. Iowa reached a flat 3.8% in 2025 after years of bracket cuts and lets you take the federal standard deduction before the state rate.
Each filer also gets a $40 credit ($80 joint) against the tax.
To set your Iowa withholding, give your employer Form IA W-4, the Employee Withholding Allowance Certificate (44-019).
Sales tax is separate from the paycheck: 6% at the state level in Iowa, 6.94% on average with local taxes. The Iowa sales tax calculator adds it to a price.
Iowa tax brackets, 2026
| Rate | Single | Married, joint |
|---|---|---|
| 3.8% | Over $0 | Over $0 |
Taxable income after the deductions and exemptions below. Head of household filers use the single brackets.
Deductions, exemptions and credits
| Standard deduction | The federal amounts: $16,100 single, $32,200 joint, $24,150 head of household |
|---|---|
| Credit against the tax | $40 single, $80 joint, $80 head of household |
Local income tax
Some Iowa localities add an income surtax, 0.08% of income on average statewide, so most paychecks see little or none of it. Enter your rate in the local income tax field of the calculator; the table above leaves it out.
The local part is a school district surtax, a percentage of your Iowa income tax rather than of wages. The Department of Revenue's 2025 list runs from 0% in West Des Moines to 9% in Baxter, for example. Official list: Iowa Department of Revenue: counties, school districts and surtax rates for 2025.
Iowa compared with neighboring states
Take-home pay on $80,000 for a single filer with no pre-tax deductions, computed with the same 2026 rules as the calculator, and how much more or less each state leaves than Iowa at three salaries. State payroll deductions are included.
| State | Income tax | Take-home on $80,000 | vs Iowa on $40,000 | on $80,000 | on $150,000 |
|---|---|---|---|---|---|
| South Dakota | No state income tax | $65,110 | +$868 | +$2,388 | +$5,048 |
| Nebraska | 2.46% to 4.55% | $62,350 | −$72 | −$372 | −$897 |
| Missouri | 2% to 4.7% | $62,349 | −$44 | −$373 | −$1,064 |
| Wisconsin | 3.5% to 7.65% | $61,870 | −$216 | −$852 | −$2,261 |
| Illinois | 4.95% flat | $61,295 | −$967 | −$1,427 | −$2,232 |
| Minnesota | 5.35% to 9.85% | $60,841 | −$629 | −$1,880 | −$4,554 |
On $80,000 a single filer keeps $2,388 more a year in South Dakota than in Iowa, but $1,880 less in Minnesota. At $150,000 the gap with South Dakota is $5,048 a year, wider.
Sales tax shifts the picture a little. At average combined rates, $10,000 of taxable purchases carries $694 of tax in Iowa, against $572 in Wisconsin, $611 in South Dakota, $698 in Nebraska, $814 in Minnesota, $844 in Missouri and $898 in Illinois.
Other flat-tax states: Arizona, Colorado, Georgia, Idaho, Indiana, Kentucky, Louisiana, Massachusetts. The paycheck calculator page compares all 50 states and DC on one salary.
Budget with the net number: the 50/30/20 budget planner splits monthly take-home pay into needs, wants and savings. To turn an hourly wage into a salary first, use the salary converter.
Sources
Figures checked in October 2026. The state rows use the same data as the calculator: the Tax Foundation survey as of January 1, 2026, updated with laws signed later in 2026, and each state's own worksheets for phase-outs. Estimates only, not tax advice.
- Tax Foundation: State Individual Income Tax Rates and Brackets, 2026 (as of February 2026)
- IRS Rev. Proc. 2025-32: 2026 federal tax brackets and standard deduction
- Iowa revenue department: official forms and withholding
- Iowa Department of Revenue: withholding tax forms
- Iowa Department of Revenue: counties, school districts and surtax rates for 2025
Frequently asked questions
How much is $60,000 after taxes in Iowa?
About $48,762 a year for a single filer with no pre-tax deductions, or $1,875.45 per biweekly paycheck. That is after $5,020 of federal income tax, $4,590 of Social Security and Medicare and $1,628 of Iowa income tax. The same salary leaves $1,628 more in South Dakota. Married filers and anyone with a 401(k) or health premiums keep more; the calculator above handles both.
What is the Iowa income tax rate for 2026?
3.8% on taxable income. Standard deduction: the federal amounts: $16,100 single, $32,200 joint, $24,150 head of household.
Which state withholding form do I fill out in Iowa?
To set your Iowa withholding, give your employer Form IA W-4, the Employee Withholding Allowance Certificate (44-019).
Does Iowa have local income tax?
Some Iowa localities add an income surtax, 0.08% of income on average statewide, so most paychecks see little or none of it. The local part is a school district surtax, a percentage of your Iowa income tax rather than of wages. The Department of Revenue's 2025 list runs from 0% in West Des Moines to 9% in Baxter, for example.
What is the take-home pay on $100,000 in Iowa?
About $76,032 a year, $2,924.30 per biweekly paycheck, for a single filer. Taxes come to 24% of gross pay: $13,170 federal income tax, $7,650 Social Security and Medicare and $3,148 Iowa income tax.
How much Iowa income tax do I pay on $80,000?
About $2,388 a year for a single filer, $91.85 per biweekly paycheck, on top of $8,770 of federal income tax and $6,120 of Social Security and Medicare. Take-home pay is about $62,722 a year.
Do you take home more in Iowa or in South Dakota?
On $80,000 a single filer keeps $2,388 more a year in South Dakota than in Iowa, but $1,880 less in Minnesota. At $150,000 the gap with South Dakota is $5,048 a year, wider. South Dakota: no state income tax; Iowa: 3.8% flat. Both figures are for a single filer with no pre-tax deductions under the 2026 rules.