IOWA · 2026

Iowa paycheck at 3.80%.

Iowa’s 2026 individual income tax is a 3.80% flat rate, with a standard deduction aligned to the federal deduction. This tool applies 3.80% to wages and does not subtract that deduction.

How this rate is applied

Iowa’s flat rate is 3.80% for 2026, and the standard deduction on the Tax Foundation table matches the federal $16,100 single and $32,200 joint amounts. The rate on this page is applied to wages after a 401(k) only. Subtract the deduction yourself if you are comparing to a state return rather than to withholding.

Single filer, $72,000, nothing deferred

Federal income tax is about $7,010 after the $16,100 standard deduction. The state line at 3.80% of the full wage is $2,736, and it is high on purpose if the state lets you claim a deduction we did not subtract. Social Security is $4,464 and Medicare is $1,044. A rough net is $56,746 before health premiums.

Federal brackets are the same in every state. Read them on the 2026 bracket page if the federal line looks surprising. The marginal rate is not the effective rate.

Questions

What is Iowa's income tax rate in 2026?

The state rate used on this page is 3.80%. It is applied to wages after a traditional 401(k) and before that state's own deductions.

Does this include local tax?

Only if you add it to the rate yourself. The pre-filled number is the state rate.

Sources

Reading the Iowa result

Iowa’s 3.80% flat tax is paired, on the Tax Foundation table, with a standard deduction aligned to the federal amounts. This page does not subtract that deduction. Use the result as a withholding-style ceiling, not as the number on the Iowa return.

On the wage this page opens with, $72,000, a single filer with no 401(k) owes about $7,010 in federal income tax after the $16,100 standard deduction. Social Security is $4,464 and Medicare is $1,044. The state line at 3.80% of $72,000 is $2,736. It is high if the state lets you claim a deduction this flat box does not subtract. A rough net is $56,746 before health premiums. Biweekly, that net is about $2,183.

Use the main calculator when the wage is not the one printed here

This page fixes the state setting so the common mistake, typing a guessed rate, is harder. The brackets, the wage base, and the 401(k) treatment are the same engine as the US paycheck calculator. Change filing status on the form rather than multiplying the single result by two. Married filing jointly has its own standard deduction and its own brackets. A second job is not modeled. Local tax is not modeled except where the paragraph above tells you to add a county or city rate yourself.