How much is taken out of a paycheck in Iowa?
Iowa takes federal income tax, a flat 3.8% state income tax, and 7.65% FICA, with no city or county income tax. A single filer earning $60,000 in 2026 keeps about $48,604 a year, roughly a 19.0% effective rate, of which Iowa state tax is about $1,786. Iowa's move to a low flat rate makes take-home higher than it was a couple of years ago.
What is Iowa's income tax rate for 2026?
Iowa has a flat 3.8% individual income tax for 2026. This is a big change: as recently as 2022 Iowa had graduated brackets topping out at 8.53%. If a calculator still shows Iowa tax brackets, it's out of date. Every filer now pays the same 3.8% on taxable income.
Did Iowa really cut its income tax to a flat rate?
Yes. Iowa phased out its graduated brackets and reached a single flat rate of 3.8% effective January 1, 2025, which continues in 2026. The old top rate was 8.53%, so higher earners in particular keep noticeably more now. It's one of the larger state income tax cuts in the country in recent years.
What is the Iowa school district surtax?
Many Iowa school districts add a surtax that is a percentage of your Iowa state income tax, not your income, and it varies by district, from 0% up to around 20%. It is not withheld from your paycheck; it's calculated on your annual Iowa return based on where you live. So your paycheck reflects the 3.8% rate, and the surtax is settled at filing.
How much is $60,000 after taxes in Iowa?
About $48,604 a year for a single filer in 2026, close to $4,050 a month or $1,869 on a biweekly check, after federal tax, the 3.8% Iowa tax and FICA. Iowa state tax alone is about $1,786. Married filing jointly keeps about $51,278, before any school district surtax at filing.
How much is $75,000 after taxes in Iowa?
About $59,236 a year for a single filer in 2026, roughly $4,936 a month or $2,278 biweekly, at an effective rate near 21.0%. Iowa's flat 3.8% on that income is about $2,356. Married filing jointly keeps about $62,760.
Is take-home pay higher in Iowa or Illinois?
Iowa now, for most workers. Iowa's flat 3.8% is below Illinois's flat 4.95%, and Iowa's standard deduction is larger, so a single filer keeps about $1,212 more in Iowa at $75,000 in 2026. Both states have no local income tax on wages, though Iowa adds a school district surtax at filing in many districts.
Does Iowa have a local income tax?
No city or county in Iowa charges a wage income tax that comes out of your paycheck. The one local piece is the school district surtax, which some districts levy as a percentage of your state tax and settle on your annual return, not through withholding. So your regular paycheck loses only federal tax, the 3.8% Iowa tax and FICA.
How much is $50,000 after taxes in Iowa?
About $40,949 a year for a single filer in 2026, close to $3,412 a month or $1,575 on a biweekly check, after federal tax, the 3.8% Iowa tax and FICA. Iowa state tax on that income is about $1,406. Married filing jointly keeps about $43,483, before any school district surtax at filing.
How much is $100,000 after taxes in Iowa?
A single filer keeps about $75,874 a year in 2026, close to $6,323 a month, at an effective rate near 24.1%. Iowa's flat 3.8% on that income is about $3,306, well below what the old graduated brackets would have taken. Married filing jointly keeps about $81,898.
What was Iowa's income tax rate before the flat tax?
Iowa had nine graduated brackets that topped out at 8.53% as recently as 2022. A series of cuts phased that down and replaced it with a single flat rate, reaching 3.8% in 2025 and continuing in 2026. Higher earners saw the biggest drop, since the top marginal rate more than halved.
How is the Iowa school district surtax calculated?
It's a percentage of your Iowa state income tax, set by your school district, and it ranges from 0% up to around 20% depending on where you live. If your district's surtax is 10% and your Iowa tax is $1,800, the surtax adds about $180. It's figured on your annual Iowa return based on your residence, not withheld from your paycheck.
Is take-home pay higher in Iowa or Nebraska?
Usually Iowa now. Iowa's flat 3.8% is below Nebraska's graduated rates, which still reach into the 5% range at middle incomes for 2026. Both are Midwest neighbors with similar costs, so Iowa's low flat rate gives it an edge on take-home for most workers, though your exact figure depends on deductions and any Iowa school district surtax.
How is overtime taxed in Iowa?
Iowa taxes overtime as regular wages, so the flat 3.8% applies to it along with federal tax and FICA. There's no separate Iowa overtime rate. The only break is federal: the deduction of up to $12,500 of overtime premium ($25,000 joint, through 2028) claimed on your federal return, with the amount shown on your W-2.
