2026 tax year · take-home pay
Iowa Paycheck Calculator (2026)
Iowa transitioned to a flat income tax of 3.80% for 2026, applied after a standard deduction that ties to the federal figure: $16,100 for single filers. It is a clean, predictable structure at the state level, but Iowa also allows school districts to impose a surtax on state income tax liability, and many do.
Your paycheck breakdown
Estimated take-home pay
$1,638.38
per paycheck · $42,597.88/yr · 18.1% withheld
- Gross pay
- $2,000.00
- − Federal income tax
- $156.15
- − Social Security
- $124.00
- − Medicare
- $29.00
- − IA state income tax
- $52.47
- Net take-home
- $1,638.38
Estimate for tax year 2026. Withholding depends on your W-4 and employer; your actual paycheck may differ. Not tax advice.
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What to do with your take-home
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How Iowa withholding works
Iowa's flat 3.80% income tax
Iowa moved away from its previous multi-bracket structure and settled at 3.80% flat for 2026. The federal-linked standard deduction ($16,100 single) reduces taxable income before the rate applies. Every dollar of taxable income above the deduction is taxed at exactly 3.80%, with no bracket math required.
Iowa school district surtaxes
Many Iowa school districts levy a surtax as a percentage of your Iowa state income tax liability. If your employer is in a participating school district, this is withheld alongside state income tax and shown as a separate line or combined into your Iowa withholding. The surtax rate varies by district and can add a few percentage points to your effective Iowa tax rate. Check your pay stub or ask your employer if you are unsure whether a surtax applies.
Rates & brackets
Iowa's 2026 income tax rates
Iowa applies a single flat rate to taxable income (after the standard deduction or exemption). Here is the 2026 schedule as this calculator applies it:
| Taxable income | Rate |
|---|---|
| $0 and up | 3.8% |
Standard deduction applied: $16,100 (single), $32,200 (married filing jointly). Brackets apply to income after this deduction.
Local income tax not included: Many Iowa school districts levy a surtax calculated as a percentage of your state income tax. This calculator does not include district surtaxes.
Source: primary 2026 tax data, verified . See our methodology for full sources.
Worked examples
Estimated take-home at common salaries in Iowa
Rough figures for a single filer over a full tax year, with no pre-tax deductions, a starting point before you run your own numbers above.
| Gross | Federal income tax | FICA | IA state tax | Take-home |
|---|---|---|---|---|
| $40,000 | $2,620 | $3,060 | $908 | $33,412 |
| $60,000 | $5,020 | $4,590 | $1,668 | $48,722 |
| $85,000 | $9,870 | $6,503 | $2,618 | $66,009 |
| $120,000 | $17,570 | $9,180 | $3,948 | $89,302 |
Estimates for the 2026 tax year, single filer, computed from published federal and Iowa tax tables. Rounded to the nearest dollar. Your actual pay depends on your W-4, pre-tax deductions, and employer payroll. Not tax advice.
Common questions
Iowa Paycheck Calculator: common questions
- What is Iowa's income tax rate for 2026?
- Iowa has a flat 3.80% income tax rate for 2026. The standard deduction matches the federal amount ($16,100 for single filers), reducing taxable income before the rate applies.
- What is an Iowa school district surtax?
- Iowa allows school districts to impose a surtax as a percentage of your Iowa state income tax liability. The rate varies by district. Your employer withholds it if your worksite is in a participating district.
- What comes out of an Iowa paycheck?
- Social Security (6.2%) and Medicare (1.45%), plus federal income tax, Iowa flat income tax at 3.80%, and possibly a school district surtax on top of that if your district participates.
Other state calculators
Estimates for tax year 2026, based on published federal and state tax tables. Not tax advice. Page last updated .