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2026 take-home pay

Calculate your real take-home pay in Iowa

Estimate your take-home pay in Iowa for 2026.

Quick answer: Iowa has a state income tax (flat 3.8%). On a $75,000 salary, a single filer takes home roughly $58,743 per year in 2026 after federal income tax, Iowa state tax, and FICA (Social Security + Medicare).

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$

Your take-home pay

$75,380.00

per year

$75,380 per year · 24.6% effective tax rate
Gross pay
$100,000.00
Federal income tax
− $13,170.00
Social Security
− $6,200.00
Medicare
− $1,450.00
State income tax
− $3,800.00
Net pay
$75,380.00

Estimates only — not professional tax advice. 2026 tax year.

Iowa simplified its income tax dramatically in 2025, collapsing what was once a nine-bracket system into a single 3.8% flat rate — a notable cut for higher earners who previously faced rates near 6%. Regular paychecks are not subject to city or county income tax, so withholding is consistent statewide. The calculator below applies the new 3.8% flat rate to estimate your Iowa take-home after federal and payroll taxes.

How take-home pay works in Iowa

Your paycheck starts with your gross pay. From there, the federal government takes income tax based on 2026 marginal brackets and your filing status, plus FICA — Social Security (6.2% up to the $184,500 wage base) and Medicare (1.45%, with an extra 0.9% on high earners).

Iowa moved to a single flat income tax rate of 3.8% on taxable wages effective for the 2025 tax year and unchanged for 2026, completing a multi-year phase-out of its old graduated brackets. There are no city or county income taxes withheld from regular wages statewide, though some school districts levy a separate surtax filed annually rather than withheld. The 3.8% flat rate is withheld on top of federal tax and FICA.

Estimates only — not professional tax advice.

Major cities in Iowa

These estimates apply to workers across Iowa, including:

Frequently asked questions

What is the Iowa income tax rate in 2026?
Iowa now uses a flat 3.8% rate on taxable income for 2026, replacing its former graduated brackets. The same rate applies to all earners after deductions.
Did Iowa income taxes go down recently?
Yes. Iowa completed a phased reform that lowered and flattened rates, landing at a single 3.8% in 2025 and holding there for 2026. Many middle and upper earners now pay less than under the old multi-bracket system.
Does Iowa have a state income tax?
Yes. Iowa taxes wage income (Flat 3.8%). The calculator above includes it in your estimate.
How is my take-home pay calculated?
We start from your gross pay, then subtract federal income tax (2026 marginal brackets), Social Security (6.2% up to the $184,500 wage base), Medicare (1.45%, plus 0.9% over $200k), and your state income tax. Any 401(k) and pre-tax deductions are removed before income tax is figured.
Which states have no income tax?
Nine states have no state income tax on wages: Texas, Florida, Alaska, Nevada, South Dakota, Washington, Wyoming, Tennessee, and New Hampshire. Living there usually means a bigger paycheck.
Is this exact?
It is a solid estimate using 2026 federal and state rates and standard deductions. It does not capture local/city taxes, credits, or unusual situations. Treat it as a ballpark — not professional tax advice.
What is FICA?
FICA is the combination of Social Security and Medicare payroll taxes. Together they total 7.65% of most wages (6.2% Social Security up to the wage base, plus 1.45% Medicare on all wages).

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