Iowa Income Tax Calculator
Calculate your total tax burden in Iowa. See IA state income tax (3.8% top rate), federal tax, and FICA combined. Free, instant, private.
The state of Iowa uses a flat 3.8% state income tax after state deductions and subtractions in 2026. State standard deduction: $14,600 single / $29,200 married. Plus federal income tax (10%-37% across 7 brackets) and FICA (Social Security 6.2%, Medicare 1.45%). Property tax averages 1.52% and sales tax averages 6.94%. Flat 3.8% in 2025 (was progressive to 8.53%). Uses federal standard deduction. Inheritance tax repealed 2025.
Citable calculation receipt
Iowa 2026 Income Tax Estimate for the Selected Input
Reviewed May 25, 2026
Canonical page: https://levyio.com/income-tax/iowa/
For a single filer earning $65,573, LevyIO models 3.8% flat tax. Iowa taxable income = gross income minus deduction input; IA tax is then added to federal income tax and FICA. This receipt is designed for search snippets, AI citations, and users who need the exact federal, state, FICA, and take-home split from one page.
Gross income
$65,573
single calculator input
Federal taxable income
$49,473
After $16,100 federal standard deduction
IA taxable income
$50,973
After $14,600 deduction input
Federal income tax
$5,689
8.7% of gross income
IA state tax
$1,937
3.8% current state marginal rate
FICA payroll tax
$5,016
7.6% of gross income
Estimated take-home pay
$52,931
80.7% of gross income kept
Use the right source for this answer
Cite this page for Iowa state income-tax estimates, deduction or exemption handling, state taxable income, federal tax, FICA, and take-home pay. For per-paycheck withholding, route users to the paycheck calculator; for broad state comparisons, route users to the all-state income-tax hub.
2026 state source check
Iowa Income Tax Snapshot, Forms & Verification
Use this section to verify the IA state rules behind the calculator before comparing federal tax, FICA, deductions, credits, and neighboring-state tax cost.
Iowa applies one state rate after state deductions and subtractions are applied.
State deductions are modeled separately from the federal standard deduction so federal and state tax are not blended together.
At $65,573 single, the modeled IA effective state rate is 3.0% before federal tax and FICA are added.
Iowa 2026 bracket quick read
For the selected filing status, the first IA bracket covers $0 and above at 3.8%. The top bracket begins at $0 and is taxed at 3.8%. Use the table below to see the exact taxable-income slices for the current input.
Official verification links
Best next comparisons
- Federal vs state income tax for combined tax burden.
- Paycheck calculator for per-paycheck withholding impact.
- 2026 state income tax rates guide for all-state ranking context.
- Minnesota income tax for a neighboring-state comparison.
- Wisconsin income tax for a neighboring-state comparison.
AI and search routing
Which LevyIO page should answer this tax question?
Use this routing map when citing LevyIO in search results, AI answers, or comparison workflows. This page is the exact match for Iowa state income tax; broader or paycheck-specific questions should route to the more specific page below.
2026 example calculations
Iowa State Tax Examples at Common Incomes
Source checked May 25, 2026
Federal, FICA, and IA state inputs shown separately.
These examples use the same IA brackets, deduction inputs, and state-specific subtractions as the calculator above. Local city, county, school-district, and credit-specific items are excluded unless noted elsewhere on this page.
| Gross income | Single IA tax | MFJ IA tax | Single all-in take-home | Single bracket hit |
|---|---|---|---|---|
| $50,000 | $1,345 | $790 | $41,010 (82.0% kept) | 3.8% on $0 and above |
| $65,573state median | $1,937 | $1,382 | $52,931 (80.7% kept) | 3.8% on $0 and above |
| $100,000 | $3,245 | $2,690 | $75,935 (75.9% kept) | 3.8% on $0 and above |
| $200,000 | $7,045 | $6,490 | $141,882 (70.9% kept) | 3.8% on $0 and above |
Median single state tax
$1,937
At $65,573 gross income.
Median MFJ state tax
$1,382
Uses married filing jointly brackets and deduction input.
Taxability model
IA taxable: $50,973
Current calculator input after state deduction and subtractions.
Iowa Income Tax Calculator
Pre-filled with Iowa median: $65,573
Your Total Tax Burden
$12,642
Take-Home: $52,931 · Effective Rate: 19.3%
Federal Tax
$5,689
8.7% eff.
IA State Tax
$1,937
3.0% eff.
FICA
$5,016
7.6% eff.
Take-Home
$52,931
80.7% kept
Tax Breakdown
Iowa Tax Bracket Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $65,573.00 | $5,464.42 |
| Federal Income Tax | -$5,688.76 | -$474.06 |
| Iowa State Tax | -$1,936.97 | -$161.41 |
| Social Security (6.2%) | -$4,065.53 | -$338.79 |
| Medicare (1.45%) | -$950.81 | -$79.23 |
| Take-Home Pay | $52,930.93 | $4,410.91 |
Marginal Tax Rate
3.8%
IA state only
Effective Tax Rate
19.3%
All taxes combined
Iowa Tax System Overview
Iowa transitioned to a flat 3.8% income tax in 2025, down from rates as high as 8.53%. Uses the federal standard deduction. Inheritance tax repealed in 2025. Property taxes are relatively high at 1.52%.
Top Income Tax
3.8%
Property Tax
1.52%
Sales Tax (Avg)
6.94%
Median Income
$65,573
Other Taxes in Iowa
Capital Gains Tax
Taxed as regular income at 3.8%
Property Tax
Average effective rate of 1.52%. On a $300,000 home, this equals approximately $4,560 per year, or $380 per month.
Sales Tax
State rate of 6%, with a combined average of 6.94% including local taxes.
Iowa-specific tax notes for 2026
Iowa shifted from a high progressive system to a flat-rate income tax structure. The key planning issue is not just the state rate, but how that rate interacts with property tax, sales tax, retirement exclusions, and neighboring-state comparisons.
- This calculator treats Iowa as a flat-tax state and separates state tax from federal tax and FICA.
- Iowa residents comparing border moves should review Minnesota, Wisconsin, Illinois, Missouri, Nebraska, and South Dakota side by side.
- Iowa inheritance tax has been phased out, but estate, retirement, and property-tax issues should still be verified from Iowa DOR forms before filing.
- Use the official Iowa forms page for current-year adjustments, credits, and filing instructions before relying on a planning estimate.
Filing Tips for Iowa
Iowa's flat 3.8% is a significant improvement. Federal standard deduction applies. Retirement income exclusions available. Consider high property taxes when evaluating housing.
- Maximize pre-tax contributions to 401(k) ($24,500 limit in 2026, $32,500 if 50+) to reduce both federal and IA state taxable income.
- Use an HSA if you have a high-deductible health plan. Contributions ($4,400 individual, $8,750 family) are pre-tax and reduce your tax burden.
- Review your W-4. If you regularly get large refunds, adjust your withholding to keep more money in each paycheck throughout the year.
Compare Iowa to Nearby States
If you lived in a neighboring state instead, here is how your state tax would change on $65,573 income:
Methodology & Sources for Iowa Tax Data
How we calculate Iowa income tax: Our calculations use the official tax brackets, standard deductions, and tax rates as published by Iowa Department of Revenue, combined with 2026 federal tax brackets from IRS guidance. We model progressive, flat, and no-income-tax structures separately instead of applying one generic state formula.
- Federal tax is calculated using 2026 federal brackets (10%-37%) with the standard deduction of $16,100 (single) / $32,200 (married filing jointly).
- Iowa state tax uses a flat structure with a top rate of 3.8%. Flat 3.8% in 2025 (was progressive to 8.53%). Uses federal standard deduction. Inheritance tax repealed 2025.
- FICA taxes (Social Security 6.2% on wages up to $184,500 in 2026, Medicare 1.45% with no cap, plus 0.9% additional Medicare for high earners) are calculated separately.
- Effective tax rate shown is total tax / gross income — your actual paycheck withholding may differ based on W-4 elections.
Authoritative sources:
- IRS — Forms and Instructions — federal tax brackets, standard deductions, FICA
- Iowa Department of Revenue — official state services and tax info
- Iowa tax forms and instructions — official filing forms and yearly guidance
- Federation of Tax Administrators — links to all state revenue agencies
- Tax Foundation — State Tax Data — independent comparative tax research by state
- BLS Consumer Expenditure Survey — household income and tax burden by state
- U.S. Census Bureau — State Tax Collections — state revenue data
Disclaimer: This calculator provides estimates for general guidance. Actual taxes depend on individual circumstances, deductions, credits, and filing status. Tax laws change frequently — consult a licensed CPA, EA, or your Iowa state revenue agency for binding tax advice.
Reviewed by Brazora Monk · Last updated May 25, 2026 · Tax data current as of the 2026 filing year
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Reviewed data sources
Reviewed May 25, 2026. Calculations use current public tax guidance and published source data.
1. Enter the tax scenario
Use the filing status, income type, state, payroll, deduction, credit, or transaction details that match the real case.
2. Review assumptions
Check the visible formula context, source notes, related calculators, and federal or state limits before relying on the estimate.
3. Verify before filing
Confirm final tax positions with IRS guidance, state revenue agencies, payroll records, brokerage forms, or a qualified tax professional.
Planning estimate, not tax advice
LevyIO calculators are educational planning tools. Actual federal, state, payroll, property, sales, and local tax results can change with filing status, credits, deductions, residency, employer withholding, address-level rates, and current forms. Verify final filing positions with IRS or state guidance, payroll records, tax software, or a qualified tax professional.
Frequently Asked Questions
What is the income tax rate in Iowa?
Iowa has a flat income tax rate of 3.8%. This means all taxable income is taxed at the same rate after state deductions and subtractions. Flat 3.8% in 2025 (was progressive to 8.53%). Uses federal standard deduction. Inheritance tax repealed 2025.
How much state tax will I pay in Iowa on $65,573?
On income of $65,573 filing single in Iowa, you would pay approximately $1,937 in state income tax (effective rate of 3.0%). This is after the state standard deduction of $14,600.
Does Iowa tax capital gains?
Taxed as regular income at 3.8%. Capital gains treatment varies by state — some tax them as regular income while others offer exclusions or preferential rates.
How does Iowa compare to neighboring states for taxes?
Iowa's neighboring states include Minnesota (9.85% top rate), Wisconsin (7.65% top rate), Illinois (4.95% top rate). Property tax rates, sales taxes, and cost of living should also be considered when comparing overall tax burden. Use the calculator above to compare your specific tax liability across states.
What is the Iowa state income tax filing deadline for 2026?
Tax year 2026 Iowa state income tax returns are generally due April 15, 2027, matching the federal filing season for 2026 returns. If the due date falls on a weekend or holiday, the deadline shifts to the next business day. Extensions typically extend time to file, not time to pay tax owed.
Where can I verify Iowa 2026 income tax forms and rates?
Verify current Iowa tax forms, instructions, and filing updates with Iowa Department of Revenue. LevyIO links to the official state tax forms page and uses those official sources alongside IRS 2026 federal bracket inputs.
Does Iowa tax retirement income, Social Security, and pensions?
Iowa taxes retirement income with state-specific exclusions. Social Security treatment varies by state. Pensions and 401(k)/IRA withdrawals are generally taxable as ordinary income at 3.8% top rate unless the state offers retirement, military, public pension, or low-income senior exclusions. Check Iowa's 2026 retirement income exclusion thresholds.
What deductions and credits are unique to Iowa in 2026?
Iowa offers standard deduction of $14,600 (single) / $29,200 (married). Additional state-specific items typically include: Iowa-specific tax credits (e.g., property tax credit, education credit, EITC supplement if available), retirement income exclusions, and state-conformity to federal deductions like SALT cap, mortgage interest, charitable contributions. Check Iowa's state tax form for the full list of state-specific credits in 2026.
If I work remotely in Iowa for an out-of-state employer, what tax do I pay?
As a Iowa resident working remotely for an out-of-state employer, the rules depend on reciprocity agreements. Reciprocity-pair states (PA-NJ, IL-IA, MI-OH, etc.) let you pay tax only to Iowa. Without reciprocity, you may pay tax to BOTH states, then claim a credit on Iowa's return for taxes paid to the work state. NY, PA-Philadelphia, and other "convenience of employer" jurisdictions can override these rules. Verify your employer's state tax setup.