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Everyday money · IA

Iowa Income Tax Calculator

Estimate your 2026 combined federal and Iowa income tax — Iowa adds a flat 3.8% state income tax.

InputsTY-2026
$
$
$
Federal + state tax16.4% effective
$16,358/yr
10% on $12,400$1,240
12% on $38,000$4,560
22% on $33,500$7,370
federal tax subtotal$13,170
IA state tax$3,188
taxable income
$83,900
marginal rate
22.0%
after tax
$83,642

A single filer earning Iowa's median household income of $85,480 owes about $2,636 in Iowa state income tax — an effective state rate of 3.08%. That is state tax only, on top of federal income tax and FICA.

Based on 2026 Iowa rules and 2026 federal rules, with the standard deduction and no other adjustments. Median income is the 2024 Census figure.

Income tax in Iowa

Iowa moved to a flat 3.8% individual income tax starting tax year 2025, down from a 5.7% top rate in 2024. Iowa taxable income starts from federal taxable income, so the federal standard deduction is effectively built in (approximated here). Retirement income is fully excluded for taxpayers 55 and older, and many localities levy school-district surtaxes not included in this estimate.

Iowa income tax structure (2026)

Iowa taxes income at a flat 3.8% after a standard deduction of $16,100 (single). Every taxable dollar is taxed at the same rate, so your marginal and effective state rates converge as income rises.

Common questions

What is Iowa's income tax rate?
Iowa taxes income at a flat 3.8% for tax year 2026 — one rate at every income level, with no brackets — applied after a $16,100 standard deduction ($32,200 joint).
What is the tax bill on $85,480 in Iowa?
A single filer on Iowa's $85,480 median household income (2024) owes about $2,636 to Iowa and $9,976 to the IRS — roughly $12,612 of income tax in total, or 14.8% of gross income.
How much income is exempt from Iowa tax?
The standard deduction shields the first $16,100 of income for a single filer and $32,200 on a joint return, so earnings below that owe no Iowa income tax. Every dollar above it is taxed at the same 3.8%, saving a single filer about $612 versus no deduction at all.

How we calculate this

Federal brackets per our income-tax methodology, plus Iowa's 2026 state tax. Estimates only — not tax advice.

Iowa DOR — IDR Announces 2026 Individual Income Tax and Interest Rates (Oct 21, 2025) →Iowa DOR — IDR Issues New Income Withholding Tax Tables for 2026 (IRC conformity) →Tax Foundation: 2026 state individual income tax rates and brackets →

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Estimates for general informational purposes only; not tax advice. Iowa figures are simplified (credits, local taxes, and AGI adjustments vary) and should be verified with the state Department of Revenue. Iowa's flat 3.8% is applied with the $16,100 standard deduction for a single filer — not itemized deductions or any Iowa tax credit. It also excludes any local, county, or school-district tax your municipality may add.