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Iowa Hourly Paycheck Calculator

An hourly wage in Iowa is reduced by federal income tax, FICA of 7.65% (6.2% Social Security up to the annual wage base plus 1.45% Medicare), and a flat 3.8% Iowa income tax in 2026. Enter your wage and hours to see net pay for any pay frequency. Against the 6 states Iowa borders, the same $25 an hour is worth $42,598 here: South Dakota keeps $1,364 more ($43,962), Missouri leaves $142 less ($42,455), Wisconsin leaves $174 less ($42,424), Nebraska leaves $298 less ($42,300), Minnesota leaves $648 less ($41,949) and Illinois leaves $1,210 less ($41,388). South Dakota is the only border worth crossing for the tax alone.

Estimated take-home

$1,638

every two weeks · $42,598 a year

For $25/hr, 40 hrs a week · Iowa · local tax not included · single

Take-home 82%Taxes & deductions 18%

Pay stub

ItemPer paycheckPer year
Gross pay$2,000.00$52,000
Federal income tax− $156.15− $4,060
Social Security (FICA)− $124.00− $3,224
Medicare (FICA)− $29.00− $754
Iowa income tax− $52.47− $1,364
Take-home pay$1,638.38$42,598

FICA is Social Security plus Medicare.

Estimate based on 2026 federal and Iowa tax rules updated Oct 2026 How we calculate

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You keep

82¢of every dollar

On average you keep 82¢ of each dollar. Of your next $1,000, you’d keep about $766: the dashed line.

Insights

  • Next $1,000

    Every extra $1,000 you earn adds about $766 to your take-home. The other $234 goes to tax.

  • Overtime

    One more overtime hour a week ($37.50) would add about $57 to each paycheck after withholding.

  • 401(k)

    Putting 5% into a 401(k) would save $2,600 a year but lower your take-home by only $2,189.

Effective tax rate 18.1%

What common hourly wages leave in Iowa

Worked full time at 40 hours a week in Iowa, here is what common wages leave after federal tax, Iowa income tax and FICA in 2026:

WageGrossIowa taxYou keepShare kept
$18/hour$37,440$811$31,45284.0%
$25/hour$52,000$1,364$42,59881.9%
$35/hour$72,800$2,155$57,89079.5%

Iowa takes about 2.6% of that money on top of the 8% federal marginal rate and 7.65% FICA.

How Iowa ranks on hourly wages

Across all 50 states and DC, Iowa ranks 15th for what $25 an hour leaves in 2026. That is $338 more than the median state ($42,260), and $2,924 more than Oregon, where the same $25 an hour leaves $39,674.

The best outcome anywhere is $43,962 in Alaska and the other states with no wage income tax, $1,364 more than Iowa keeps.

Iowa hourly wages against the states next door

Crossing a state line changes what the same hourly wage is worth without changing what you are paid. Here is $25 an hour in Iowa against the states it borders:

StateState income taxYou keepvs Iowa
Iowa$1,364$42,598—
Illinois$2,574$41,388$1,210 less
Minnesota$2,013$41,949$648 less
Missouri$1,507$42,455$142 less
Nebraska$1,662$42,300$298 less
South DakotaNone$43,962$1,364 more
Wisconsin$1,538$42,424$174 less

How hourly take-home pay is calculated in Iowa

Your hourly wage is just the starting point. Iowa workers pay federal and state taxes on their annualized income, plus mandatory FICA contributions. Here's exactly how it works.

  • Annualized income determines your bracket: Your employer annualizes your hourly income (hourly rate × hours × 52 weeks) to determine the correct withholding for each paycheck.
  • Iowa state income tax: Iowa taxes wages at a flat 3.8%, applied to each paycheck based on your annualized income. Local income taxes in some Iowa cities or counties are not included.
  • Social Security and Medicare: FICA taxes are 6.2% for Social Security (up to the annual wage base) and 1.45% for Medicare. These are fixed percentages with no deductions or exemptions.
  • Pre-tax deductions reduce your taxable income: Contributions to a 401(k), HSA, or FSA are deducted before taxes are calculated, lowering both your taxable income and your tax bill.

The calculator combines all these factors to show your exact take-home pay per paycheck, per month, and annually.

Frequently Asked Questions

Hourly wages in Iowa are subject to federal income tax (based on your annualized income and filing status), Iowa's flat 3.8% income tax, and FICA taxes (Social Security at 6.2% up to the annual wage base and Medicare at 1.45%). The calculator annualizes your hourly income to determine the correct tax bracket, then shows your actual per-paycheck take-home.

Multiply your hourly rate by your weekly hours, then by 52: $25/hour × 40 hours × 52 weeks is $52,000 a year. That annualized figure sets your federal and Iowa bracket. In Iowa it works out to $31,452 on $18 an hour, $42,598 on $25 an hour, $57,890 on $35 an hour: take-home, not gross.

Federal income tax (using progressive brackets based on your annualized income and filing status), a flat 3.8% Iowa income tax, Social Security tax (6.2% up to the wage base, currently $176,100 for 2026), and Medicare tax (1.45% on all income, plus 0.9% for earnings over $200,000 if single or $250,000 if married).

Iowa's minimum wage is set by state law and may be higher than the federal minimum of $7.25 per hour. Some cities within Iowa have their own higher local minimums. Check your employer's offer against the current Iowa Department of Labor rates to verify compliance.

Your total annual tax is the same however often you're paid; only the per-paycheck withholding changes. On $25 an hour in Iowa that is about $1,638 every two weeks, $1,775 semi-monthly or $3,550 a month after tax. The calculator adjusts withholding for weekly, bi-weekly, semi-monthly and monthly periods.

Against the 6 states Iowa borders, the same $25 an hour is worth $42,598 here: South Dakota keeps $1,364 more ($43,962), Missouri leaves $142 less ($42,455), Wisconsin leaves $174 less ($42,424), Nebraska leaves $298 less ($42,300), Minnesota leaves $648 less ($41,949) and Illinois leaves $1,210 less ($41,388). South Dakota is the only border worth crossing for the tax alone.

No. Iowa's 3.8% applies only to income above the standard deduction ($16,100 single, $32,200 married). Someone earning $100,000 pays $3,188 a year (3.2% of salary), while the same earner in a flat-tax state like Pennsylvania would pay $3,070 (3.07% flat, though PA may have local EIT).

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