What is Iowa's state income tax rate for 2025?

Iowa moved to a single flat income tax rate of 3.80% effective in 2025, replacing its old graduated brackets. Every taxpayer now pays the same 3.80% marginal rate on income above the standard deduction. This calculator applies that flat rate to your wages after the standard deduction.

Does Iowa have a local or city income tax?

No. Iowa does not levy a separate municipal or county income tax on wages, so the only income taxes on an Iowa paycheck are federal and the flat 3.80% state tax. Some Iowa school districts impose a surtax on state income tax for residents, which is filed annually rather than withheld from each check.

What taxes come out of an Iowa paycheck?

An Iowa paycheck has federal income tax, FICA (6.2% Social Security up to the wage base plus 1.45% Medicare), and Iowa's flat 3.80% state income tax. Iowa has no state disability insurance deduction. Pre-tax contributions like a 401(k) or HSA reduce the income that the federal and state taxes apply to.

How do pre-tax deductions change my take-home pay?

Pre-tax deductions such as a traditional 401(k) or HSA contribution come out before income tax is calculated, so they lower both your federal and Iowa taxable wages. This calculator subtracts your per-period pre-tax amount from the income-tax base, which reduces your tax while also reducing your cash take-home by the contribution amount.

Is this paycheck estimate exact?

No, it is a close planning estimate. It uses 2025 federal brackets and the standard deduction, current FICA rates, and Iowa's flat 3.80% rate. It does not model every credit, the 0.9% Medicare surtax on high earners, or school district surtaxes. For an exact figure, rely on your employer's payroll system.

Iowa Paycheck Calculator — Take-Home Pay

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This calculator estimates your Iowa take-home pay for any pay frequency. It applies 2025 federal withholding, FICA, and Iowa’s brand-new flat 3.80% state income tax, so you can see what actually lands in your bank account each pay period.

How it works

The tool annualizes your pay, applies each tax, then divides back to a per-period figure:

Annual gross = Gross per period × periods per year

FICA — 6.2% Social Security on wages up to the $176,100 (2025) wage base, plus 1.45% Medicare.
Federal income tax — 2025 brackets on income after the standard deduction ($15,000 single, $30,000 joint) and any pre-tax deductions.
Iowa state income tax — a flat 3.80% (2025) on income after the standard deduction.

Net pay = Gross − FICA − Federal tax − Iowa 3.80% tax − pre-tax deductions

Iowa paycheck details

Iowa simplified its income tax to a single 3.80% flat rate for 2025, completing a multi-year phase-down from a graduated system that once topped 8.98%. There is no local income tax withheld from wages and no state disability insurance, which makes Iowa paychecks straightforward: federal tax, FICA, and one flat state rate. (Some school districts add an annual surtax filed on your return, not withheld here.)

Worked example

A worker earning $2,500 bi-weekly ($65,000/year), filing single, with no pre-tax deductions:

Annual gross = $2,500 × 26 = $65,000
FICA ≈ $65,000 × 7.65% = $4,973
Federal income tax (after $15,000 standard deduction) ≈ $5,600
Iowa state tax = ($65,000 − $15,000) × 3.80% ≈ $1,900
Net ≈ $52,500/year ≈ $2,019 bi-weekly

Note: Figures are estimates for planning. Add your real pre-tax deductions for accuracy. For an exact paycheck, rely on your employer’s payroll calculation.