Iowa Paycheck Calculator

Enter your salary to estimate your Iowa take-home pay after federal income tax, Iowa state income tax, and FICA, broken down per paycheck for any pay schedule.

Take-home per paycheck

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Gross annual pay—

Federal income tax—

Iowa state income tax—

FICA (Social Security + Medicare)—

Net annual take-home—

Where your Iowa paycheck goes

Annual take-home versus federal, state, and FICA taxes.

Same salary, different states

Estimated 2026 take-home on an $80,000 single salary, before local taxes. Iowa is highlighted.

How Iowa taxes your paycheck

Iowa taxes income at a flat 3.8%, after a standard deduction of $16,100 for single filers and $32,200 for married couples filing jointly and a personal exemption of $40 ($80 for couples). That is on top of federal income tax, Social Security (6.2% up to $184,500 of wages in 2026) and Medicare (1.45%, plus 0.9% on wages above $200,000), which are the same in every state.

Local taxes: Many Iowa school districts add a school district surtax, a percentage of the state tax owed, not included here.

Working across state lines: Iowa has a reciprocity agreement with Illinois. If you live in one of those states and work in Iowa, you can file an exemption form with your employer so only your home state's tax is withheld.

Worked example

A single filer in Iowa earning $80,000 a year, paid every two weeks with no pre-tax deductions: federal income tax is $8,770, Iowa income tax is $2,428 and FICA is $6,120, leaving $62,682 a year, or about $2,411 per paycheck. A married couple filing jointly on $120,000 keeps about $97,444 a year. Putting $5,000 into a traditional 401(k) would cut this single filer's federal tax to $7,670 and Iowa tax to $2,238.

Iowa take-home pay at different salaries (single, 2026)

Salary	Federal tax	Iowa tax	FICA	Take-home	Per bi-weekly check
$40,000	$2,620	$908	$3,060	$33,412	$1,285
$60,000	$5,020	$1,668	$4,590	$48,722	$1,874
$80,000	$8,770	$2,428	$6,120	$62,682	$2,411
$100,000	$13,170	$3,188	$7,650	$75,992	$2,923
$150,000	$24,734	$5,088	$11,475	$108,703	$4,181

How Iowa compares

On an $80,000 single salary, Iowa take-home is about $62,682, $2,428 less than in Texas, which has no income tax, and $767 more than in California. The chart above shows Iowa next to Texas, California and New York on identical pay.

What this estimate includes

taxable income = salary − pre-tax deductions − standard deduction
federal tax = 2026 federal brackets (standard deduction $16,100 single / $32,200 married)
Iowa tax = 3.8% × state taxable income
FICA = 6.2% Social Security (to $184,500) + 1.45% Medicare (+0.9% over $200,000)
per paycheck = (salary − all taxes − pre-tax deductions) ÷ pay periods

Iowa starts from federal taxable income, so the federal standard deduction applies. Local taxes and state payroll programs mentioned above are not included, and your actual withholding also depends on your W-4 and any state withholding certificate. State figures are the 2026 rates and brackets published by Iowa, as compiled by the Tax Foundation.

Frequently asked questions

How much is taken out of an $80,000 paycheck in Iowa?

For a single filer in 2026, about $17,318 a year: $8,770 federal income tax, $2,428 Iowa income tax and $6,120 FICA, leaving $62,682, or $2,411 every two weeks. Local taxes are extra.

What is the Iowa income tax rate in 2026?

Iowa taxes income at a flat 3.8%, after a standard deduction of $16,100 for single filers and $32,200 for married couples filing jointly and a personal exemption of $40 ($80 for couples).

Are there local income taxes in Iowa?

Many Iowa school districts add a school district surtax, a percentage of the state tax owed, not included here.

Is take-home pay higher in Iowa or Texas?

Texas. With no state income tax, a single filer on $80,000 keeps about $65,110 in Texas against $62,682 in Iowa, a difference of $2,428 a year.

How can I lower the tax on my Iowa paycheck?

Pre-tax contributions to a 401(k), HSA or FSA lower federal and Iowa taxable income. On $80,000, a $5,000 traditional 401(k) contribution cuts federal tax to $7,670 and Iowa tax to $2,238.

Related calculators

Paycheck Calculators by StateTake-home pay in any of the 50 states, with a ranked comparison. Federal Income Tax Calculator 2026Federal income tax for 2026 by bracket, with your effective rate. W-4 Withholding CalculatorFederal tax withheld per paycheck from your W-4 settings. Illinois Paycheck CalculatorIllinois take-home pay after federal tax, Illinois income tax and FICA. Minnesota Paycheck CalculatorMinnesota take-home pay after federal tax, Minnesota income tax and FICA. Nebraska Paycheck CalculatorNebraska take-home pay after federal tax, Nebraska income tax and FICA.