Iowa income tax in 2026
Iowa has a flat 3.8% income tax. The calculation starts from federal taxable income, so the $16,100 federal standard deduction (single) is already subtracted. Tax credits subtracted from the tax: $40 single, $80 married filing jointly, $40 per dependent.
Local income taxes: School district surtax set by each district, up to 20% of Iowa income tax liability (it varies by district, many at 0-10%). Appanoose County also adds a 1% emergency medical services surtax on state tax. These are not included in the calculator.
Iowa rules and notes
- Flat 3.8% rate (SF 2442 of 2024, in effect since 2025); unchanged for 2026. The 2026 IA W-4 uses 3.8%.
- Iowa taxable income starts from federal taxable income (Form 1040 line 15), so the 2026 federal standard deduction ($16,100 single/MFS, $24,150 HOH, $32,200 joint) and other federal deductions flow through; Iowa generally follows federal law changes automatically, with some exceptions.
- Personal credit is $40 per taxpayer ($80 for married filing jointly or head of household), $40 per dependent, and $20 extra for each person 65+ or blind.
- Retirement income is excluded for taxpayers 55 or older or disabled.
- Low-income filers may owe no Iowa tax because of the income thresholds and the alternate tax calculation.
Iowa take-home pay by salary
Single filer, paid every two weeks, 2026 rules, standard deduction and no pre-tax deductions; includes Iowa income tax but not local taxes.
| Salary | Federal income tax | Social Security + Medicare | Iowa income tax | Take-home per year | Per bi-weekly paycheck |
|---|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $868 | $33,452 | $1,286.61 |
| $50,000 | $3,820 | $3,825 | $1,248 | $41,107 | $1,581.03 |
| $60,000 | $5,020 | $4,590 | $1,628 | $48,762 | $1,875.45 |
| $75,000 | $7,670 | $5,738 | $2,198 | $59,394 | $2,284.40 |
| $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 |
Hourly wages after taxes in Iowa
Full-time (40 hours a week, 2,080 hours a year), no overtime, single filer:
| Hourly wage | Annual pay | Weekly take-home | Bi-weekly take-home | Take-home per year | Take-home per hour |
|---|---|---|---|---|---|
| $15.00 | $31,200 | $513.76 | $1,027.52 | $26,715 | $12.84 |
| $20.00 | $41,600 | $666.86 | $1,333.72 | $34,677 | $16.67 |
| $25.00 | $52,000 | $819.96 | $1,639.92 | $42,638 | $20.50 |
| $30.00 | $62,400 | $973.06 | $1,946.12 | $50,599 | $24.33 |
Iowa vs. neighboring states
Take-home pay on a $75,000 salary (single, bi-weekly), with the difference from Iowa. Federal taxes are identical in every state, so the gaps come from state income tax. On a $75,000 salary, Iowa ranks #16 of 51 (50 states and DC) for take-home pay. Nationally, take-home pay on $75,000 ranges from $56,538 in Oregon to $61,593 in states without a wage tax; the median is $59,005.
| State | State income tax | Take-home per year | Per bi-weekly paycheck | vs. Iowa |
|---|---|---|---|---|
| Iowa | $2,198 | $59,394 | $2,284.40 | — |
| South Dakota | None | $61,593 | $2,368.94 | +$2,198 |
| Nebraska | $2,533 | $59,060 | $2,271.52 | −$335 |
| Missouri | $2,588 | $59,005 | $2,269.42 | −$389 |
| Wisconsin | $2,944 | $58,649 | $2,255.73 | −$745 |
| Illinois | $3,568 | $58,025 | $2,231.72 | −$1,370 |
| Minnesota | $3,577 | $58,016 | $2,231.38 | −$1,378 |
Neighboring state calculators: South Dakota, Nebraska, Missouri, Wisconsin, Illinois, Minnesota. See all 50 states and DC on the national paycheck calculator.
How your Iowa paycheck is calculated
- Gross pay for the year is your salary, or your hourly wage × hours × 52 plus overtime at 1.5×.
- Pre-tax deductions such as a traditional 401(k), health premiums and HSA contributions are subtracted before federal income tax.
- Federal income tax uses the 2026 brackets, your filing status’s standard deduction ($16,100 single) and credits for children and other dependents.
- Social Security and Medicare take 6.2% (up to $184,500 of wages) and 1.45%.
- Iowa income tax is figured on the annual amount using the rules above, then divided across your paychecks.
We divide the annual totals by your number of paychecks, which is how a correctly completed 2026 Form W-4 is designed to withhold. Your employer’s withholding tables may differ by a few dollars per check. For your full-year tax bill, use the income tax calculator.
Frequently asked questions
How much is $75,000 a year after taxes in Iowa?
A single filer earning $75,000 in Iowa takes home about $59,394 a year in 2026, or $2,284.40 per bi-weekly paycheck. That is after $7,670 of federal income tax, $5,738 of Social Security and Medicare and $2,198 of Iowa income tax. Pre-tax 401(k) or health deductions would lower your taxes but also your take-home pay.
Does Iowa have a state income tax?
Yes. Iowa has a flat 3.8% income tax in 2026. On a $75,000 salary, that works out to about $2,198 a year, or $84.55 per bi-weekly paycheck, an effective state rate of 2.93% of gross pay. Employers withhold it from each paycheck along with federal taxes.
How much is $20 an hour after taxes in Iowa?
Full time (40 hours a week), $20 an hour is $41,600 a year. After 2026 federal income tax, Social Security and Medicare and Iowa income tax, a single filer in Iowa takes home about $34,677 a year, or $1,333.72 per bi-weekly paycheck, about $16.67 per hour worked.
Are there local income taxes in Iowa?
School district surtax set by each district, up to 20% of Iowa income tax liability (it varies by district, many at 0-10%). Appanoose County also adds a 1% emergency medical services surtax on state tax. This calculator doesn’t include local taxes, so subtract them from the estimate if they apply where you live or work.
How does take-home pay in Iowa compare with nearby states?
On a $75,000 salary (single, bi-weekly), take-home pay is $59,394 a year in Iowa. In neighboring states it ranges from $58,016 to $61,593; South Dakota (the highest nearby) is $2,198 higher. Federal taxes are the same everywhere, so the gap comes entirely from state income tax.
How much federal tax comes out of each paycheck on a $75,000 salary?
Federal taxes don’t depend on the state. For a single filer paid every two weeks on $75,000, about $295.00 of federal income tax, $178.85 of Social Security (6.2%) and $41.83 of Medicare (1.45%) come out of each 2026 paycheck, based on the $16,100 standard deduction. Children, pre-tax deductions and W-4 choices change the federal amount.