StubRate · Take-home calculator · Iowa
Take-home pay in Iowa
Estimate what a salary in Iowa (IA) becomes after federal tax, ≈3.8% effective state income tax estimate, FICA, typical benefits, and optional commute costs.
Iowa taxes wage income. StubRate’s ~3.8% effective estimate reflects a middle-of-the-country state tax—not zero, not coastal. Federal tax and FICA remain the larger paycheck leaks for most people.
Use this page for Des Moines insurance and finance, Cedar Rapids and Iowa City hospital and university jobs, and people comparing Iowa with Illinois or Minnesota.
Sample: $85,000 single filer in Iowa → about $5,057/mo net (71.4% stub rate) and $4,879/mo after a modest hybrid commute and lunches. Assumptions: 5% 401(k), $140/month health, three office days, 12 miles each way.
Your stub rate
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Enter a salary to see your stub rate
- Monthly take-home
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- Per paycheck
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- True monthly (after job costs)
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- Effective hourly
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Where the money goes
- Federal tax—
- State tax—
- Social Security + Medicare—
- 401(k)—
- Health premiums—
- Commute & work costs—
Income tax in Iowa
Iowa has been changing rates and coupling rules in recent years. This site uses a simplified effective rate, not the latest full bracket file. Recheck a CPA or payroll sample before a move-or-stay decision.
Some localities do not add a wage tax the way Ohio cities do. Your gap versus Illinois is mostly the two state rates plus Chicago-area costs if you commute there.
Every U.S. W-2 wage still faces federal income tax and FICA (Social Security plus Medicare). Iowa’s difference is the state line—and any local wage tax if your city charges one.
Sample take-home by salary in Iowa
Single filer, biweekly pay, 5% traditional 401(k), $140/month health premium, no commute. Educational estimates only.
| Gross salary | Est. net / month | Est. net / year | Stub rate | State tax / year |
|---|---|---|---|---|
| $50,000 | $3,077 | $36,922 | 73.8% | $1,741 |
| $75,000 | $4,533 | $54,398 | 72.5% | $2,644 |
| $100,000 | $5,842 | $70,108 | 70.1% | $3,546 |
| $125,000 | $7,151 | $85,818 | 68.7% | $4,449 |
| $150,000 | $8,423 | $101,079 | 67.4% | $5,351 |
Living and commuting in Iowa
Des Moines insurance and finance, Cedar Rapids manufacturing, and Iowa City hospital and university jobs have short-to-moderate car commutes. Parking is rarely New York-priced.
Winter driving is a time cost. Hybrid still wins if the office is across town in January.
Common job markets on this page: Des Moines, Cedar Rapids, Davenport, Iowa City. Housing and office days change true stub rate more than a small difference in the state tax shortcut.
Compare two offers if one job is in Iowa and the other is elsewhere—or if commute days differ.
Nearby take-home calculators
Same salary, different state tax line. Open a neighbor to compare.
Guides that pair with Iowa take-home
Iowa take-home questions
Does Iowa have state income tax?
Yes. StubRate uses an approximate 3.8% effective rate for estimates—not a full bracket simulation or every local wage tax.
What is take-home pay on $85,000 in Iowa?
Using StubRate’s sample for a single filer with 5% 401(k) and a $140/month health premium, about $5,057/month net before extra job costs, or roughly $4,879/month after a modest hybrid commute (three office days, 12 miles each way, lunches). Your numbers will differ.
How much do I keep on $100,000 in Iowa?
Under the tax-only sample (single, 5% 401(k), $140/month health, no commute), about $5,842/month, or 70.1% of gross. Add commute and lunches in the calculator to see true take-home.
Is this Iowa calculator official tax software?
No. It is an educational estimate for comparing offers. It does not file a return, model every local tax, or replace a payroll sample or a tax professional.