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Iowa Take-Home Pay Calculator

Median earner in Iowa
Gross pay$44,656
Take-home pay$37,016
The median wage in Iowa is $44,656; a single filer keeps $37,016 of it — 17.1% goes to federal income tax, FICA and Iowa income tax.

Iowa collects state income tax on top of federal brackets and FICA. Local rates differ by city, so pick your locality below. Every figure recalculates as you type.

Drag to see the curve move. Numbers update as you type. Above $250,000 the slider stretches to your entry instead of pinning to its old cap.
Filing status
Cap $24,500. Pre-tax 401(k) lowers income tax but not FICA — that is why this number moves less than people expect.
$3,085/ month
$37,016 a year after tax · $1,424 per biweekly check
This is the full-year tax liability on that salary, not an employer's per-period withholding table. Payroll withholding can land a few percent away from the annual figure, so another calculator may show a slightly different number.
Effective tax rate17.1%
Marginal rate23.5%
Total withheld$7,640
FICA$3,416
Line itemAnnualMonthly
Gross pay$44,656$3,721
Pre-tax deductions (401k / HSA)-$0-$0
Federal income tax-$3,179-$265
Social Security-$2,769-$231
Medicare-$648-$54
Iowa state income tax-$1,045-$87
Take-home pay$37,016$3,085
$50k$100k$150k$200k$25k$50k$100k$150k$200k
Gross incomeTake-home payThe gap widens as income climbs — that is the marginal rate at work.

How Iowa taxes your paycheck

Iowa applies a single flat rate to taxable wages, with a personal exemption taken as a deduction before the rate applies.

Taxable income aboveRateIncome above (married, joint)Rate
$03.80%$03.80%

One rate applies to every dollar, so the filing status does not change the rate itself.

Standard deduction: $16,100 for single filers, $32,200 for joint filers.

A $40 credit is subtracted directly from the state tax owed.

Iowa applies one flat 3.8% rate to wage income, with no brackets to climb. That places the top rate 35th among the 42 taxing jurisdictions compared here, a group that excludes the nine with no wage tax. County, city, or school district income taxes are common in this state, averaging about 0.08% of income, and they are not included in this number.

What the median earner keeps in Iowa

Median earnings in Iowa are about $44,656 for people with earnings, and median household income is $75,501. A single filer earning that amount takes home roughly $3,085 a month, an effective rate of 17.1% once federal, FICA and state taxes are applied.

Earnings and income are 2024 ACS one-year estimates covering everyone with earnings, so part-time and part-year workers pull this median below a full-time salary. State tax figures come from the state revenue department.

Common questions about Iowa paychecks

Does Iowa tax wage income?

Yes. Iowa applies a single flat rate of 3.80% to taxable wages, so every additional dollar above the standard deduction is taxed at the same rate.

What is the standard deduction in Iowa?

A single filer subtracts $16,100, and a married couple filing jointly subtracts $32,200. State brackets apply to whatever remains.

Are there local taxes on top of Iowa state tax?

No city-level income tax applies to wages in Iowa.

How much does a $44,656 salary take home in Iowa?

At the $44,656 median wage for people with earnings, a single filer keeps about $3,085 a month, or $37,016 a year. That is an effective rate of 17.1% once federal income tax, FICA and state tax are applied.

Take-home pay by salary in Iowa

Same state, different salaries. Each figure is its own page: federal brackets and FICA are progressive, and state brackets apply on top of the exact salary shown.

$25,000$1,825 a month net$30,000$2,150 a month net$35,000$2,469 a month net$40,000$2,788 a month net$45,000$3,107 a month net$50,000$3,426 a month net$55,000$3,745 a month net$60,000$4,063 a month net$65,000$4,382 a month net$70,000$4,672 a month net$75,000$4,950 a month net$80,000$5,227 a month net$85,000$5,504 a month net$90,000$5,781 a month net$95,000$6,059 a month net$100,000$6,336 a month net$110,000$6,891 a month net$120,000$7,445 a month net$130,000$7,986 a month net$140,000$8,524 a month net$150,000$9,062 a month net$175,000$10,407 a month net$200,000$11,832 a month net$250,000$14,528 a month net

If you are paid by the hour in Iowa

Hourly pay becomes a salary through 40 hours a week × 52 weeks = 2,080 paid hours, and then federal income tax, FICA and Iowa income tax take their share. Four rates are worked through separately, each with its own net-per-hour figure:

$15 an hour$31,200 a year · $12.84/hour net$18 an hour$37,440 a year · $15.14/hour net$20 an hour$41,600 a year · $16.67/hour net$25 an hour$52,000 a year · $20.50/hour net

Other states

AlabamaState income taxAlaskaNo state income taxArizonaState income taxArkansasState income taxCaliforniaState income taxColoradoState income taxConnecticutState income taxDelawareState income taxDistrict of ColumbiaState income taxFloridaNo state income taxGeorgiaState income taxHawaiiState income taxIdahoState income taxIllinoisState income taxIndianaState income taxKansasState income taxKentuckyState income taxLouisianaState income taxMaineState income taxMarylandState income taxMassachusettsState income taxMichiganState income taxMinnesotaState income taxMississippiState income taxMissouriState income taxMontanaState income taxNebraskaState income taxNevadaNo state income taxNew HampshireNo state income taxNew JerseyState income taxNew MexicoState income taxNew YorkState income taxNorth CarolinaState income taxNorth DakotaState income taxOhioState income taxOklahomaState income taxOregonState income taxPennsylvaniaState income taxRhode IslandState income taxSouth CarolinaState income taxSouth DakotaNo state income taxTennesseeNo state income taxTexasNo state income taxUtahState income taxVermontState income taxVirginiaState income taxWashingtonNo state income taxWest VirginiaState income taxWisconsinState income taxWyomingNo state income tax

Where these federal figures come from

The federal side of this page is not an estimate of an estimate. The brackets and the standard deduction come from the IRS annual inflation notice, the Social Security wage base from the SSA, and the 401(k) deferral limit from the IRS contribution-limit notice. Each link below is the document the dataset was read from for tax year 2026.

  1. IRS IR-2025-103 / Rev. Proc. 2025-32 — 2026 联邦税率档与标准扣除
  2. SSA — 2026 社保工资基数上限 184,500 美元
  3. IRS — 2026 年度 401(k) 选择性递延上限 24,500 美元
  4. Tax Foundation — State Individual Income Tax Rates and Brackets, 2026
  5. Illinois Department of Revenue — IL-700-T 2026 代扣税册（4.95%，免税额 2,925）

Dataset status VERIFIED · reviewed 2026-11-07. The full cross-market list lives on the sources page; the computation chain is on the methodology page.

Tax year 2026 · Data reviewed 2026-11-07 · Source: Iowa revenue department · Financial disclaimer