Iowa Income Tax Calculator 2026

Calculate your Iowa state income tax for 2026. Iowa has a flat 0.038% income tax rate.

$
Deduction

Federal Income Tax

$7,670.00

Effective Tax Rate

10.23%

Marginal Tax Rate

22%

FICA (SS + Medicare)

$5,737.50

Total Tax Burden

$13,407.50

After-Tax Income

$61,592.50

Tax Calculation Breakdown

Gross Income$75,000.00
Above-the-Line Deductions- $0.00
Adjusted Gross Income (AGI)$75,000.00
Standard Deduction- $16,100.00
Taxable Income$58,900.00
10% on $0.00 – $12,400.00$1,240.00
12% on $12,400.00 – $50,400.00$4,560.00
22% on $50,400.00 – $105,700.00$1,870.00
Federal Income Tax (before credits)$7,670.00
Federal Income Tax (after credits)$7,670.00
Social Security (6.2%)$4,650.00
Medicare (1.45%)$1,087.50
Total FICA$5,737.50
Total Tax$13,407.50
After-Tax Annual Income$61,592.50
Monthly Take-Home$5,132.71

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

Iowa Income Tax Overview

Iowa charges a single flat income tax rate of 3.8% on taxable income. The state finished a multi-year reform that replaced its old graduated brackets, so there is no longer a ladder of rates climbing toward 8.53%. A single filer subtracts a $16,100 standard deduction first, then the 3.8% applies to what remains, making the math unusually predictable for state purposes.

This state tax sits on top of, and entirely separate from, your federal income tax, which still runs on its own progressive brackets administered by the IRS. Iowa generally starts from federal concepts of income but calculates its own liability. Most residents and people who earn wages in Iowa owe the tax, and the Iowa Department of Revenue handles returns, refunds, and the school district surtaxes that some local districts add as a percentage of the state tax you already owe.

Iowa Income Tax Rate

0.038%

Flat rate — same for all income levels

Iowa Tax Snapshot

Sales Tax 0.06%
Avg. Property Tax 0.0147%
Minimum Wage $7.25/hr

Official Sources:

Iowa Income Tax FAQ

Who has to pay Iowa income tax?
Iowa residents generally owe tax on all their income, and nonresidents owe on income earned from Iowa sources, such as wages for work performed in the state. Filing thresholds depend on age, filing status, and income level, which the Iowa Department of Revenue sets each year. Retirees should note that Iowa has stopped taxing most retirement income, a change that came with the broader flat-tax reform.
How does the flat 3.8% interact with my federal tax?
They are calculated independently. Your federal tax uses the IRS bracket structure and can reach much higher marginal rates, while Iowa applies its single 3.8% to state taxable income. You can't deduct one from the other dollar-for-dollar, though itemizing federally and at the state level each follow their own rules.
What is the Iowa school district surtax and how is it figured?
Many Iowa school districts levy a surtax expressed as a percentage of your state income tax liability, commonly between 1% and 20% of the tax owed. So if you owe state tax and live in a district with, say, a 10% surtax, you'd add 10% of that state tax on top. The rate is tied to where you live, and districts can change it, so it's worth checking your district's current figure.
Is Iowa's flat rate staying at 3.8%?
The 3.8% flat rate is the figure in effect under the current reform, replacing the previous system that topped out above 8.5%. Iowa's tax law has been moving rates downward over several years, so the legislature can adjust the rate in future sessions. For any given filing year, confirm the rate in effect with the Iowa Department of Revenue before relying on it.