Iowa Paycheck Calculator 2026

2026

Calculate your take-home pay in Iowa. Iowa has a flat income tax system. Based on current IA and federal tax rates.

Pay Type
$

Net Pay (Bi-Weekly)

$2,368.94

Annual Take-Home

$61,592.50

Total Tax (Annual)

$13,407.50

Paycheck Breakdown (Bi-Weekly)

Gross Pay$2,884.62
Federal Income Tax- $295.00
Social Security (6.2%)- $178.85
Medicare (1.45%)- $41.83
Net Pay$2,368.94

Annual Summary

Gross Annual Income$75,000.00
Federal Income Tax- $7,670.00
FICA (SS + Medicare)- $5,737.50
Total Deductions & Tax- $13,407.50
Annual Take-Home Pay$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 Tax Overview

A paycheck in Iowa passes through the same federal deductions as anywhere else: federal income tax based on the W-4 you filed, Social Security at 6.2% up to the $184,500 wage base, and Medicare at 1.45% on every dollar with no ceiling. On top of those, Iowa applies a single state income tax rate of 3.8% to your taxable wages, so the state slice is easy to estimate once you know your gross pay.

What makes the Iowa side simple is the absence of brackets. Whether you earn $40,000 or $400,000, the marginal and effective state rate is the same 3.8% after the standard deduction, which is $16,100 for a single filer. Iowa runs no state disability insurance and no paid-family-leave payroll tax, so you won't see those line items. Pre-tax contributions, such as 401(k) deferrals up to $24,500 and health premiums, shrink the wages that both federal and state tax touch, which is the main lever most workers have over net pay.

Iowa Key Rates & Limits (2026)

State Income Tax 0.038% (flat)
State Sales Tax 0.06%
Avg. Property Tax Rate 0.0147%
Minimum Wage $7.25/hr
State Disability Insurance (SDI) No
Paid Family Leave No
Local/City Income Tax Iowa school districts may levy a surtax on state income tax liability, typically ranging from 1% to 20% of the state tax owed.

Official Sources:

Iowa Paycheck FAQ

How much Iowa state tax comes out of each paycheck?
Iowa withholds against a flat 3.8% rate, applied to wages after the standard deduction and pre-tax items are accounted for. Because there are no brackets, a raise doesn't push part of your income into a higher state rate the way it can federally. The amount your employer actually withholds also depends on the Iowa W-4 (form IA W-4) you submitted, including any allowances you claimed.
Does Iowa take out Social Security and Medicare separately from state tax?
Yes. Social Security (6.2%) and Medicare (1.45%) are federal FICA taxes collected by the SSA and IRS, and they are withheld regardless of which state you live in. Iowa's 3.8% income tax is a separate line on your stub. High earners also pay an extra 0.9% Medicare surtax above $200,000, which Iowa does not mirror at the state level.
Why is my Iowa take-home higher than a coworker's at the same salary?
Net pay differs mainly because of pre-tax elections and W-4 settings rather than the state rate, which is the same 3.8% for both of you. Larger 401(k) or HSA contributions, more dependents claimed, or different health premiums all change the wages exposed to tax. Two people with identical gross pay can have noticeably different checks once those choices are factored in.
Do Iowa school district surtaxes affect my paycheck withholding?
School district surtaxes are calculated as a percentage of your Iowa income tax liability, typically 1% to 20% depending on the district, and they are generally settled when you file your annual return rather than withheld every payday. Your regular withholding tracks the 3.8% state rate, so any surtax owed shows up at filing time. The Iowa Department of Revenue publishes the surtax rate for each district.