Iowa (IA) Paycheck Calculator 2026

Estimate take-home pay in Iowa (IA) for salary or hourly work. On a $50,000 salary a single filer keeps about $41,012 a year, or $1,577 every two weeks.

Updated 2026-10-03 · 2026 IRS and Iowa rates

Bi-weekly take-home pay$1,871.07$48,648 per year · effective tax rate 18.9% · marginal 15.8%

	Bi-weekly	Annual
Gross pay	$2,307.69	$60,000
Federal income tax	-$193.08	-$5,020
Social Security (6.2%)	-$143.08	-$3,720
Medicare	-$33.46	-$870
Iowa income tax	-$62.62	-$1,628
Local income tax	-$4.38	-$114
Take-home pay	$1,871.07	$48,648

Take-home $48,648 81.1%
Federal income tax $5,020 8.4%
Social Security $3,720 6.2%
Medicare $870 1.5%
State tax $1,628 2.7%
Local tax $114 0.2%

Take-home pay vs. taxes at every income level in Iowa

Take-home pay
Total taxes

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2026 take-home pay in Iowa at common salaries

Single filer, standard deduction, no pre-tax deductions, paid bi-weekly.

Salary	Federal	FICA	State + local	Take-home / yr	Per paycheck	Effective
$30,000	$1,420	$2,295	$545	$25,740	$990	14.2%
$50,000	$3,820	$3,825	$1,343	$41,012	$1,577	18.0%
$75,000	$7,670	$5,738	$2,341	$59,252	$2,279	21.0%
$100,000	$13,170	$7,650	$3,338	$75,842	$2,917	24.2%
$150,000	$24,734	$11,475	$5,333	$108,458	$4,171	27.7%
$250,000	$51,304	$15,514	$9,323	$173,859	$6,687	30.5%

Take-home
Total tax

$30,000

$25,740

$4,260

$50,000

$41,012

$8,988

$75,000

$59,252

$15,748

$100,000

$75,842

$24,158

$150,000

$108,458

$41,542

$250,000

$173,859

$76,141

Iowa income tax rates for 2026

Single

Taxable income over	Rate
$0	3.80%

Standard deduction $16,100 · personal credit $40

Married filing jointly

Taxable income over	Rate
$0	3.80%

Standard deduction $32,200 · personal credit $80

Local taxes: Most Iowa school districts add an income surtax of 0%–20% of your Iowa income tax (not of income); the 2025 unweighted district average was about 5.7%, and some large districts such as Des Moines charge 0%. Appanoose County adds a 1% EMS surtax. Typical rate shown approximates a ~5% surtax expressed as a share of taxable income (5% × 3.8%). The calculator applies a 0.19% default you can edit.

Key facts about Iowa taxes

Iowa taxes all income at a single flat rate of 3.8% in 2026, down from a top rate of 8.53% as recently as 2022.
Iowa uses the federal standard deduction: $16,100 single, $32,200 married filing jointly and $24,150 head of household in 2026.
Iowa gives a $40 personal exemption credit per taxpayer (a $80 allowance for heads of household) and $40 per dependent.
Iowa follows the new federal deduction of up to $6,000 for taxpayers age 65 or older.
School districts may add an income surtax of up to 20% of state income tax liability; rates vary by district.
Iowa’s state sales tax is 6%, and local option sales taxes add up to 1%.

Federal taxes withheld from every Iowa paycheck

Federal bracket (2026, single)	Rate
Over $0	10%
Over $12,400	12%
Over $50,400	22%
Over $105,700	24%
Over $201,775	32%
Over $256,225	35%
Over $640,600	37%

More Iowa calculators

What this calculator simplifies

School district surtax is approximated with one typical rate; actual surtax depends on your district and is a percentage of state tax.
Retirement income exclusion (age 55+), senior deduction, and federal tips/overtime/car-loan deductions are not modeled.
Iowa credits other than the exemption credits (child care credit, EITC) are not modeled.

How Iowa withholding works in 2026

Iowa withholds income tax at its flat 3.8% rate after subtracting a deduction based on the marital status on your IA W-4 and any allowance dollars you claim. The 2026 IA W-4 mirrors the federal standard deduction ($16,100 single, $32,200 married, $24,150 head of household), so Iowa withholding now lines up closely with what you will actually owe.

Iowa still recognizes older forms. If the IA W-4 your employer has on file is from 2023 or earlier, payroll uses a separate deduction table and counts each allowance as $40. If your W-4 dates from before Iowa moved to a flat tax, filing a new one is the easiest way to make your withholding match your bill.

Example: a $52,000 salary in Iowa

A single worker earning $52,000 and paid every two weeks takes home about $1,640 per check in 2026 before any school district surtax. Iowa income tax is about $51 per check, federal income tax $156, and Social Security plus Medicare $153.

Iowa has no state disability or paid family leave payroll tax deducted from employees, so those four lines are the whole story for most workers.

School district surtax: the local tax on Iowa income

Most Iowa school districts add an income surtax, and it is a percentage of your Iowa income tax, not of your income. A 5% surtax on a $1,500 Iowa tax bill adds $75. The surtax is based on your school district of residence and is settled on your IA 1040.

Rates vary widely, and several of the largest districts charge nothing. Residents of Appanoose, Cass, Pocahontas, Sac, Shelby and Winnebago counties also pay a 1% local option surtax included in their district rate.

School district (2025 rates)	Surtax as % of Iowa tax
Des Moines	0%
West Des Moines	0%
Davenport	0%
Waterloo	0%
Iowa City	4%
Cedar Rapids	5%

Working in Illinois or another state

Iowa has a reciprocal agreement with one state: Illinois. An Iowa resident working in Illinois files Illinois form IL-W-5-NR with the employer, and only Iowa taxes the wages. An Illinois resident working in Iowa files Iowa form 44-016, Employee’s Statement of Nonresidence in Iowa. The agreement covers wages and salaries only. Iowa still taxes Iowa-source non-wage income of Illinois residents, and Illinois does the same in reverse.

Illinois is Iowa’s only income tax reciprocal agreement, so the exemption does not reach Iowans who work in Nebraska, Minnesota, Missouri, South Dakota or Wisconsin. An Iowa resident working in Illinois should also give the employer an IA W-4 so the right amount of Iowa tax is withheld.

Frequently asked questions

Does Iowa have a state income tax?

Yes. Iowa has a flat income tax of 3.80% for 2026.

How much is take-home pay on $75,000 in Iowa (IA)?

A single filer earning $75,000 in Iowa takes home about $59,252 a year ($2,279 per bi-weekly paycheck) in 2026, after $7,670 federal income tax, $5,738 FICA and $2,341 in state and local taxes. That is an effective rate of 21.0%.

What is the sales tax rate in Iowa?

The Iowa state sales tax rate is 6.00%. With local taxes the average combined rate is 6.94%, and the highest combined rate is 7.00%.

What is the 2026 federal standard deduction?

$16,100 for single filers, $32,200 for married couples filing jointly and $24,150 for heads of household.

How much Social Security and Medicare is withheld?

Employees pay 6.2% Social Security on wages up to $184,500 in 2026, and 1.45% Medicare on all wages, plus 0.9% Additional Medicare on wages over $200,000 (single).

Do I need a new IA W-4?

If your IA W-4 is from 2023 or earlier, your employer still uses the old $40-per-allowance method. Filing a current IA W-4 lines your withholding up with the flat-tax rules.

Is the school district surtax withheld from my paycheck?

It is calculated on your IA 1040 as a percentage of your Iowa tax, using your school district of residence. If your district rate is high, consider requesting extra withholding on the IA W-4.

Is Iowa tax withheld from my pension?

Iowa does not require withholding on retirement distributions that are not subject to Iowa income tax, which since 2023 includes most retirement income of people 55 or older.

Sources

Figures are taken from official government publications and were last reviewed on 2026-10-03.