What is Iowa's income tax rate in 2026?

Iowa uses a flat 3.80% state income tax rate in 2026, the result of the state's multi-year transition away from graduated brackets to a single low flat rate.

How is Iowa take-home pay calculated?

Take-home equals gross minus federal income tax (2026 progressive brackets), Iowa's 3.80% flat state tax, Social Security (6.2% up to the $176,100 wage base) and Medicare (1.45%). The federal standard deduction is $15,750 single or $31,500 married filing jointly.

Why is Iowa take-home higher than many states?

At 3.80%, Iowa's flat rate is among the lower state income-tax rates, so a given salary keeps more of its pay than in states charging 5% or more, all else being equal.

Is this calculator exact?

It is a close estimate. It applies the headline 2026 federal brackets, the standard deduction, Iowa's 3.80% flat rate and FICA, but excludes 401(k) contributions, itemized deductions, credits and other adjustments.

Iowa Take-Home Pay Calculator

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Iowa take-home pay calculator

Estimate your Iowa net pay after taxes. Iowa now applies a single flat 3.80% state income tax rate, one of the lower flat rates in the country. This tool combines it with the 2026 federal income-tax brackets and FICA to show your real monthly and annual take-home pay.

How it works

The calculator subtracts four things from your gross salary. Federal income tax is charged on gross − standard deduction ($15,750 single, $31,500 married filing jointly) using the 2026 progressive brackets, so only the slice of income inside each band is taxed at that band’s rate. Iowa state tax is a flat 3.80% applied to income after the same standard deduction. FICA adds Social Security at 6.2% up to the $176,100 wage base, plus Medicare at 1.45% on all wages. Net pay is gross minus all four.

Example

A single Iowa worker earning $75,000: taxable income is $75,000 − $15,750 = $59,250. Federal tax across the 10%, 12% and 22% bands is about $7,747. Iowa state tax is 3.80% of $59,250 = $2,252. Social Security is $4,650 and Medicare is $1,088. Total tax is roughly $15,736, leaving take-home pay near $59,264 a year, about $4,939/month, an effective rate of about 21.0%.

Notes

Estimate only — not financial or tax advice. Figures use 2026 IRS federal brackets, the federal standard deduction, the Iowa Department of Revenue’s 3.80% flat rate and 2026 FICA limits. Pre-tax retirement contributions, itemized deductions, credits and other adjustments are not modelled. All math runs in your browser.