Iowa Paycheck Calculator
Earning $75,000 in Iowa? Your estimated 2026 take-home is about $59,354 after federal tax and FICA, and Iowa state income tax.
Iowa take-home pay calculator
Take-home now: $2,282.86 per 2 weeks
Use this free Iowa (IA) paycheck, payroll and income tax calculator to estimate your 2026 take-home pay after federal income tax, Social Security, Medicare, and Iowa's flat 3.8% state income tax.
Enter your own pay in the calculator to estimate your Iowa take-home pay for any salary or hourly wage.
How Iowa's flat 3.8% income tax hits your 2026 paycheck
Iowa levies a flat 3.8% state income tax for 2026, applied after the state allowance/deduction for your filing status. This calculator applies that on top of federal withholding and Social Security / Medicare to estimate your Iowa take-home pay.
For 2026, Iowa's state standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly; after that, all remaining taxable income is taxed at the single flat rate of 3.8% — Iowa does not use graduated brackets for 2026. As a worked example, a single filer earning $60,000 pays about $1,668 in Iowa income tax (roughly 2.8% of gross) before federal tax and FICA.
What this estimate doesn't include: Iowa's small personal-exemption tax credits ($40 single / $80 MFJ / $40 per dependent) are post-tax credits and are not modeled. City, county or school-district income taxes where they apply, court-ordered deductions, union dues, and anything else your specific employer withholds are not in this figure; your pay stub is the authority on those.
Estimates only, not tax advice. The section "What this estimate doesn't include" above lists what's left out; see also our terms and the corrections log.
One rate on every taxable dollar: Iowa's 3.8% flat tax (2026)
Iowa applies a single flat rate to taxable wages for 2026.
| Filing | Rate |
|---|---|
| All taxable income | 3.8% |
Local income taxes in Iowa
Iowa school districts levy a local income surtax assessed as a percentage of state income tax liability (up to 20%), not of income. About 87% of districts impose it; the income-weighted average is roughly 0.3%. Six counties (Appanoose, Cass, Pocahontas, Sac, Shelby, Winnebago) also use a surtax for EMS. It is filed with the state IA 1040 return based on the district you reside in on the last day of the tax year.
Your paycheck vs the $75,501 Iowa median
| Median household income (2024 (ACS 1-Year)) | $75,501 |
| Take-home (single filer) | ≈$59,688 |
Two Iowa payroll quirks worth knowing
- Iowa completed its move to a single flat individual income tax rate of 3.8% effective January 1, 2025, so all taxable income in 2026 is taxed at 3.8% with no brackets.
- Unemployment insurance is funded entirely by employers in Iowa; employees have nothing withheld from their paychecks for state UI, and 2026 employer rates draw from Table D, the lowest allowed by law.
Is overtime and tips tax-free in Iowa? Federally yes — and on the Iowa return too
For tax years 2025 to 2028 there is a federal deduction for qualified overtime premium pay and tips (OBBBA caps & rules). FICA comes out either way.
Iowa state income tax: Iowa conforms (federal-taxable-income base); the deductions flow through to the state return. (source: revenue.iowa.gov)
- Overtime: 2025 — deductible on your Iowa return too; 2026–2028 — deductible on your Iowa return too.
- Tips: 2025 — deductible on your Iowa return too; 2026–2028 — deductible on your Iowa return too.
Related: overtime calculator · overtime by state · tips calculator · tips by state.
Iowa stays on the federal $7.25 minimum wage in 2026
$7.25/hour (≈$15,080/year full-time). Iowa has no state minimum wage above the federal floor, so the federal $7.25/hour applies in 2026.
Beyond the paycheck: Iowa's 6% sales tax and property tax
| Sales tax | 6% (≈6.94% with local) |
| Property tax | ≈1.33% — Among the higher-burden states; Tax Foundation property tax rankings place Iowa near 10th-highest in the nation. |
Iowa paycheck FAQ
Does Iowa have a state income tax in 2026?
Yes — a flat 3.8% on taxable wages in 2026, on top of federal tax and FICA.
Do cities or counties in Iowa take a local income tax out of paychecks?
Iowa school districts levy a local income surtax assessed as a percentage of state income tax liability (up to 20%), not of income. About 87% of districts impose it; the income-weighted average is roughly 0.3%. Six counties (Appanoose, Cass, Pocahontas, Sac, Shelby, Winnebago) also use a surtax for EMS. It is filed with the state IA 1040 return based on the district you reside in on the last day of the tax year.
Compare a paycheck next door: Illinois, Minnesota & Nebraska
| State | State income tax (2026) | Take-home on $75,000 (single) |
|---|---|---|
| Iowa | flat 3.8% | $59,354 |
| Illinois | flat 4.95% | $58,025 |
| Minnesota | four brackets, 5.35%–9.85% | $57,686 |
| Nebraska | four brackets, 2.46%–4.55% | $58,884 |
| Missouri | eight brackets, 0%–4.7% | $59,005 |
Those are the states next door. To see where Iowa lands against all of them at once, our take-home pay by state study runs an identical salary at two levels, $75,000 and $100,000, through the 2026 rules of every state and DC, except Arizona, California, District of Columbia, Idaho, Maryland and Vermont, still on their 2025 tables, ranked from the most take-home pay to the least.
All state paycheck calculators →
Data compiled and maintained by Edmond Daher · Updated 2026-08-02