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Iowa Paycheck Calculator (2026)

Last reviewed: April 20, 2026

Iowa applies a flat 3.8% state income tax to wage income as of 2025, the result of a transition from a progressive bracket structure under HF 2317. The 2022 reform also ended Iowa's historical federal-tax-deductibility provision, so state taxable income is now computed without subtracting federal income taxes paid. Iowa sits in a growing group of recently flattened states that includes Georgia, Idaho, Mississippi, and North Carolina. The state has no traditional State Disability Insurance program funded by payroll, and no Iowa city levies a broad local income tax on wages. Some Iowa school districts charge a small income surtax on residents within the district, layered on top of state liability. This calculator estimates 2026 Iowa take-home pay after federal tax, FICA, and the state flat rate, with support for pre-tax 401(k) and HSA contributions and standard or itemized deductions.

vs. baseline ($85,000 single filer)

A $85,000 salary in Iowa takes home approximately $3,200 less than the same salary in a no-income-tax state like Texas or Florida.

Data pending verification

Iowa school district surtax coverage is currently limited to Des Moines (DMPS). Residents of other Iowa school districts should check their district's posted rate against the Iowa Department of Revenue's School District Surtax Rates listing.

Iowa state tax breakdown

Single-filer state income tax brackets used by the calculator for 2026.

Taxable IncomeRate
$0+3.80%

Cities in Iowa

Local jurisdictions with employee payroll tax. Linked entries have a dedicated city page; others can be selected in the calculator below.

Enter your salary to begin

Type above or pick a quick salary to see your 2026 take-home pay instantly.

Iowa paycheck FAQ

When did Iowa become a flat-rate state?
Iowa's 2022 HF 2317 reform restructured the bracket schedule and phased in a flat 3.8% rate by 2025. Before the reform, Iowa ran a progressive schedule with multiple brackets and a top rate that had been close to 9% in earlier years.
How does Iowa compare to neighboring Illinois or Minnesota?
Illinois is flat at 4.95%, slightly above Iowa's 3.8%. Minnesota runs a progressive schedule topping at 9.85%, materially above both. For a typical wage earner, Iowa produces the highest take-home of the three; the gap with Minnesota is largest at upper incomes.
What is the Iowa school district surtax?
Many Iowa school districts impose a small income surtax (typically a few percent of state liability, applied as a percentage of state tax owed). Coverage varies by district. The calculator models the Des Moines (DMPS) surtax; residents of other districts should check their district's posted rate.
Does Iowa have State Disability Insurance?
No. Iowa does not run a State Disability Insurance program funded by employee payroll. Workers who want short-term disability coverage typically obtain it through their employer or a private policy.

Take-home at common salaries for Iowa

Dedicated salary-anchor pages with a federal-state-FICA breakdown, vs-baseline callouts, and a calculator pre-set to that salary and Iowa.

$50,000 after taxesin Iowa$75,000 after taxesin Iowa$100,000 after taxesin Iowa$150,000 after taxesin Iowa$200,000 after taxesin Iowa$250,000 after taxesin Iowa

See also

Run the full US paycheck calculatorCompare to Minnesota paycheck calculatorCompare to Wisconsin paycheck calculatorCompare to Illinois paycheck calculatorCompare to Missouri paycheck calculatorCompare to Nebraska paycheck calculatorCompare to South Dakota paycheck calculatorCompare to Kansas paycheck calculatorCompare paycheck taxes between two locationsPaycheck and tax glossaryHow we calculate paycheck taxes

Reviewed

How This Page Is Reviewed

The Iowa paycheck page is reviewed against primary federal and state sources before each major tax-year update. Source links below are the references used to validate brackets, wage bases, and supported local taxes.

Reviewed by

PaycheckCalc Research Desk

Last reviewed

2026-04-20