Iowa Salary Calculator 2026
Exact take-home pay after all taxes + cost of living, average rent and childcare costs in Iowa for 2026.
Take-Home Pay at Common Salary Levels
Pre-calculated take-home pay for a single filer in Iowa in 2026, after all federal taxes, state income tax, Social Security and Medicare.
| Gross Salary | Annual Take-Home | Monthly | Eff. Tax Rate |
|---|---|---|---|
| $30,000 | $25,258 | $2,105 | 15.8% |
| $40,000 | $32,718 | $2,726 | 18.2% |
| $50,000 | $40,178 | $3,348 | 19.6% |
| $60,000 | $47,638 | $3,970 | 20.6% |
| $75,000 | $57,676 | $4,806 | 23.1% |
| $100,000 | $73,826 | $6,152 | 26.2% |
| $125,000 | $89,842 | $7,487 | 28.1% |
| $150,000 | $105,492 | $8,791 | 29.7% |
| $200,000 | $138,274 | $11,523 | 30.9% |
* Single filer, standard deduction only. Excludes 401(k), health premiums and local/city taxes.
Iowa State Tax Rates
State income tax: Top rate 5.8% | State standard deduction: $14,600
| From | To | Rate |
|---|---|---|
| $0 | and above | 5.75% |
All Iowa residents also pay federal income tax (10%β37%), Social Security (6.2% up to $176,100) and Medicare (1.45%). The 2026 federal standard deduction is $15,000 for single filers.
Monthly Expenses in Iowa
Iowa's cost of living index is 89.4 β 11% below the US national average. Your dollar goes further here than in most US states.
Monthly Budget β Single Person in Des Moines
Rental Market in Iowa
| Size | Monthly Rent | Annual Cost |
|---|---|---|
| Studio | $700 | $8,400 |
| 1 Bedroom | $900 | $10,800 |
| 2 Bedrooms | $1,100 | $13,200 |
| 3 Bedrooms | $1,400 | $16,800 |
| 4 Bedrooms | $1,800 | $21,600 |
Des Moines and other major Iowa cities are typically 15β40% above this state average. Use the full calculator for city-level estimates.
Family Expenses in Iowa
Infant daycare in Iowa averages $900/month ($10,800/year) β roughly 14% of a $75,000 gross salary before tax.
| Household Type | Monthly Budget | Annual Budget |
|---|---|---|
| Single Person | $2,700 | $32,400 |
| Couple (2 Adults) | $4,100 | $49,200 |
| Family (2 Adults, 2 Kids) | $6,600 | $79,200 |
Working in Iowa: What You Keep
Iowa applies a state income tax with a top rate of 5.8%, on top of federal taxes. On a $75,000 salary, a single filer in Iowa takes home approximately $57,676 per year ($4,806/month) with an effective total tax rate of 23.1%. At $100,000, take-home rises to approximately $73,826.
With a cost of living index of 89.4 versus the US national average of 100, Iowa is 11% below average. This is one of the more affordable states. The biggest expense is typically housing β a 1-bedroom apartment averages $900/month and the median home price is $205,000.
Data sources: IRS Revenue Procedure 2025-28, Iowa Department of Revenue, Bureau of Labor Statistics, Zillow, Numbeo. Last verified January 2026 via automated AI monitoring.
Common Questions
How does Iowa compare for take-home pay and cost of living?
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