Iowa now has one flat income tax rate, 3.8%. Withholding takes 3.8% of your pay after a deduction set by your IA W-4 filing status, then subtracts your allowances, which on the IA W-4 are dollar amounts ($40 each), not counts.
2026 tax year, verified Sources
Estimated take-home this week
$935.46
from $1,153.85 gross. You keep 81%.
2026 tax year, rules last verified November 12, 2026. An estimate, not tax advice. How we calculate
Each extra dollar you earn loses about 23¢ to taxes, but across all your pay the average is 19¢. A raise never lowers your take-home: only the dollars above a bracket line pay the higher rate.
| Annual pay | Effective | Marginal |
|---|---|---|
| $15,000 | 7.9% | 11.5% |
| $30,000 | 14.4% | 23.4% |
| $45,000 | 17.4% | 23.4% |
| $60,000 | 18.9% | 23.4% |
| $75,000 | 21.0% | 33.5% |
| $90,000 | 23.0% | 33.5% |
| $105,000 | 24.5% | 33.5% |
| $120,000 | 25.6% | 33.5% |
| $135,000 | 26.7% | 35.4% |
| $150,000 | 27.6% | 35.4% |
Same pay, W-4 and benefits; each state’s default withholding answers, no local taxes. Take-home per week:
Iowa’s 2026 formula has four steps. First, a deduction for the pay period comes off your wages: $13,000 a year divided by your paychecks if you checked “Other” (or married with a working spouse), $19,500 for head of household, or $26,000 if you are married and your spouse has no earned income.
Second, 3.8% of what is left is the tentative tax. Third, your total IA W-4 allowance (line 7, in dollars) divided by your paychecks comes off that tax. Fourth, any extra amount you asked for is added.
When federal tax on a bonus is withheld at a flat rate, Iowa withholds a flat 3.8% on it.
Iowa follows federal treatment of 401(k) and Section 125 deductions, so they reduce Iowa wages.
| IA W-4 status | Per year | Weekly | Biweekly | Monthly |
|---|---|---|---|---|
| Other / single, or married with a working spouse | $13,000 | $250.00 | $500.00 | $1,083.33 |
| Head of household | $19,500 | $375.00 | $750.00 | $1,625.00 |
| Married, spouse has no earned income | $26,000 | $500.00 | $1,000.00 | $2,166.67 |
After the deduction, Iowa withholds 3.8% and then subtracts your IA W-4 allowance dollars divided by your paychecks.
Single filer, standard W-4, no benefits, paid weekly, default IA W-4 answers. Iowa takes $27.73 of this check (2.8% of gross).
| Line | Per week | Per year |
|---|---|---|
| Gross pay | $1,000.00 | $52,000.00 |
| Federal income tax | −$78.08 | −$4,060.16 |
| Social Security | −$62.00 | −$3,224.00 |
| Medicare | −$14.50 | −$754.00 |
| Iowa income tax | −$27.73 | −$1,441.96 |
| Take-home pay | $817.69 | $42,519.88 |
Single filer, standard W-4, no benefits, no local tax. Per-week amounts; annual totals account for the Social Security wage cap.
| Salary | Gross / week | Federal | FICA | Iowa | Take-home / week | Per year |
|---|---|---|---|---|---|---|
| $30,000 | $576.92 | $27.31 | $44.14 | $11.65 | $493.82 | $25,679 |
| $40,000 | $769.23 | $50.38 | $58.84 | $18.96 | $641.05 | $33,335 |
| $50,000 | $961.54 | $73.46 | $73.56 | $26.27 | $788.25 | $40,989 |
| $60,000 | $1,153.85 | $96.54 | $88.27 | $33.58 | $935.46 | $48,644 |
| $75,000 | $1,442.31 | $147.50 | $110.33 | $44.54 | $1,139.94 | $59,277 |
| $100,000 | $1,923.08 | $253.27 | $147.11 | $62.81 | $1,459.89 | $75,914 |
| $150,000 | $2,884.62 | $475.65 | $220.68 | $99.35 | $2,088.94 | $108,625 |
Married filing jointly with two children on $100,000: $1,662.67 a week ($86,459 a year).
Iowa has no city or county tax withheld from wages. Many school districts add an income surtax, but it is figured on your annual Iowa return, not taken from your paycheck.
Iowa has no state disability, paid family leave or employee unemployment deduction. Unemployment insurance is paid by employers.
Iowa has a reciprocal agreement only with Illinois. Illinois residents working in Iowa file Form 44-016 so their employer withholds Illinois tax instead. Residents of other neighboring states who work in Iowa have Iowa tax withheld.
With “Other” status and a $40 allowance: $250.00 comes off, 3.8% of the rest is $28.50, minus $0.77 of allowance = $27.73.
Since 2024 Iowa allowances are tax credits. Each $40 you claim cuts your yearly withholding by $40, spread across your paychecks.
No. Iowa’s single rate is 3.8%, and that is the flat rate used on bonuses too.
No. The school district surtax is calculated on your annual Iowa return as a percentage of your Iowa tax. It is not withheld from wages.
Iowa rules for the 2026 tax year, last verified November 12, 2026. Federal sources are on the methodology page.
Every state page has its own withholding formula, local taxes, payroll programs and worked examples. Compare all states.