Take-home pay on a $30,000 salary in Iowa
A $30,000 salary in Iowa leaves $25,757 a year after federal income tax, Social Security, Medicare and Iowa income tax — $2,146 a month, or $990.65 in a two-week paycheck. That is a single filer taking the standard deduction, with every figure below computed from the published tax tables rather than estimated.
Where every dollar of $30,000 goes
Modelled as a single filer on 2026 rules taking the standard deduction, with no 401(k), no health premiums and no dependents. Social Security is the heaviest line here at $1,860, and Medicare the lightest at $435.
| Line | Per year | Per month | Per 2 weeks | % of gross |
|---|---|---|---|---|
| Gross salary | $30,000 | $2,500 | $1,153.85 | 100.0% |
| Federal income tax | −$1,420 | −$118 | −$54.62 | 4.7% |
| Social Security (6.2%) | −$1,860 | −$155 | −$71.54 | 6.2% |
| Medicare (1.45%) | −$435 | −$36 | −$16.73 | 1.5% |
| Iowa income tax | −$528 | −$44 | −$20.32 | 1.8% |
| Total withheld | −$4,243 | −$354 | −$163.20 | 14.1% |
| Take-home pay | $25,757 | $2,146 | $990.65 | 85.9% |
The federal income tax on $30,000, bracket by bracket
No single rate is applied to a whole salary federally. The $16,100 standard deduction is subtracted before anything else, and on $30,000 that is 53.7% of the pay — enough that a large part of this salary never meets a bracket at all. What is left, $13,900, is then cut across two bands, and only the topmost cut is charged at 12%.
| Federal band | Rate | Income taxed here | Tax from this band |
|---|---|---|---|
| $0 – $12,400 | 10% | $12,400 | $1,240 |
| $12,400 – $50,400 | 12% | $1,500 | $180 |
| Total | $13,900 | $1,420 |
Federal tax on $30,000 totals $1,420, which is 4.7% of gross pay even though the top band reached is 12%. The gap between those two numbers is the whole point of a graduated system.
The Iowa income tax on $30,000, worked out
Iowa has one rate, 3.8%, and no ladder to climb. It subtracts $16,100 first, leaving $13,900 of Iowa taxable income, and charges the same rate on every dollar of it. That is the federal standard deduction to the dollar, so the Iowa and federal taxable figures on this page are the same $13,900 and the only thing separating the two bills is the rate applied to them.
| Step | Amount |
|---|---|
| Gross salary | $30,000 |
| Less what Iowa subtracts first | −$16,100 |
| Iowa taxable income | $13,900 |
| Iowa rate, on all of it | 3.8% |
| Iowa income tax | $528 |
Iowa income tax on $30,000 totals $528, 1.8% of gross pay. The only gap between that share and the 3.8% headline is the $16,100 subtracted above.
What applies to you at $30,000, and what does not
$30,000 against Iowa's wage floor
The minimum wage in Iowa is $7.25 an hour, which is $15,080 a year at forty hours a week. $30,000 is 2.0 times that. Run the floor through the same engine and it keeps $13,926 of that $15,080 — 7.7% withheld — against 14.1% at $30,000. The gap between those two shares is the graduated system doing its work: the extra $14,920 of gross is charged at higher rates than the first $15,080 ever is.
Iowa has no state minimum wage above the federal floor, so the federal $7.25/hour applies in 2026.
What Iowa's flat rate costs on $30,000
Iowa has no bracket ladder to climb. One rate, 3.8%, applies to every taxable dollar, so unlike the federal schedule above there is no band edge anywhere near $30,000 and no step for a raise to fall over: the first taxable dollar and the last are charged identically, and the $528 of Iowa income tax on this salary is simply 3.8% of $13,900.
Iowa subtracts $16,100 before that rate touches anything, which is 53.7% of a $30,000 salary. That is the only thing on the state side that changes as you climb this ladder: the subtraction is a fixed number of dollars, so it covers a smaller share of pay at every rung, and the effective Iowa rate here — 1.8% of gross — creeps toward the 3.8% headline without ever reaching it.
Where Iowa ranks on $30,000
Run the same $30,000 through all fifty states and the District of Columbia and Iowa comes 19 from the top on take-home pay — 33 from the bottom — keeping $25,757. The jurisdictions immediately above it at this salary are Idaho and Louisiana; immediately below are Utah and Wisconsin. North Dakota tops the table at $26,285, $528 more than Iowa on identical gross pay, and Oregon is last at $24,024. That ranking is specific to $30,000: flat-rate and graduated states change places as income rises, so Iowa's neighbours on this table are different at other salaries.
What the top of your federal bill is actually taxed at
The next dollar you earn at $30,000 is taxed in the second federal band. It runs $38,000 from edge to edge, 3.1 times the width of the band beneath it, and it is the widest band your taxable income reaches, which is why a raise at this level is unusually efficient: nothing about the extra income changes its treatment until you leave the band. You have $36,500 of taxable income left inside it, which is about $36,500 more salary before the next band starts taking a larger share of the extra.
What $30,000 does to the childcare credit
Qualifying childcare costs earn a credit worth a percentage of the spend, on expenses of up to $3,000 for a single dependent and $6,000 where there are two or more. Which percentage you get depends on what you earn. At $30,000 it is 43.0%: you are on the first slide, where the rate drops a point for every $2,000 of income above $15,000. It levels off at 35.0% once income reaches $45,000, so a raise from here costs you a little of this credit on the way. Being nonrefundable, it can only cancel tax you already owe, and the take-home numbers on this page do not include it at all.
Why an Iowa bonus does not follow the rate on this page
Iowa withholds supplemental wages — a bonus, a commission, a payout — at a flat 3.8%, not at the rate the rest of your pay is charged. That is exactly the rate your salary is charged at this rung, so a bonus and a raise are withheld identically here. On $1,000 of bonus it is the difference between $38.00 and $38.00 of Iowa withholding. Withholding is not the tax: what you owe is settled on the return either way.
Iowa and the OBBBA tips and overtime deductions
The tips and overtime deductions described on this page are federal. On the state return Iowa treats them alike: it follows the federal tips and overtime deductions.
Iowa conforms (federal-taxable-income base); the deductions flow through to the state return.
Maxing a 401(k) is not realistic at $30,000
The 2026 elective deferral limit is $24,500, which is 81.7% of a $30,000 salary. Nobody at this income is hitting it, and the advice to "max out your 401(k)" is written for a salary several rungs up this ladder. What is worth knowing is the rate: every dollar you do defer comes off at 12% federally plus 3.8% in Iowa, so even a small contribution is bought at a real discount.
$30,000 is the bottom of this ladder
Nothing below this level is modelled here. Going up to $40,000 would add $7,655 a year, $638 a month, out of $10,000 of extra gross — 76.6% of the raise survives withholding, the highest keep rate anywhere on this page, because the bands down here are the cheapest ones.
Where local wage taxes sit relative to this figure
The $25,757 above is what $30,000 leaves after federal withholding, FICA and Iowa state withholding, and nothing else. Anything a city, county or school district levies on wages sits outside that figure, and whether any of it reaches your paycheck is a municipal question rather than a state one — so it is not modelled here. Iowa's own published position is below.
Iowa school districts levy a local income surtax assessed as a percentage of state income tax liability (up to 20%), not of income. About 87% of districts impose it; the income-weighted average is roughly 0.3%. Six counties (Appanoose, Cass, Pocahontas, Sac, Shelby, Winnebago) also use a surtax for EMS. It is filed with the state IA 1040 return based on the district you reside in on the last day of the tax year.
The same $30,000 on the other filing statuses
The status you file under decides how big the standard deduction is and how wide each federal band runs. On $30,000 the difference is real: $1,948 a year in favour of a joint return over a single one, and $1,141 for head of household. The FICA lines are the same on every row, because Social Security and Medicare do not ask about marital status.
| Filing status | Federal tax | IA income tax | Take-home a year | Share withheld |
|---|---|---|---|---|
| Single / Married filing separately | $1,420 | $528 | $25,757 | 14.1% |
| Married filing jointly | $0 | $0 | $27,705 | 7.6% |
| Head of household | $585 | $222 | $26,898 | 10.3% |
How this figure was computed
These figures are generated, not written: the 2026 tax data file in this repository goes into the same engine that powers the Iowa paycheck calculator, and the page is rebuilt from the result.
- Gross
- $30,000 a year, spread evenly: $14.42 an hour, $1,153.85 a fortnight.
- Federal
- 2026 brackets on $13,900 taxable (gross less the $16,100 standard deduction), Rev. Proc. 2025-32 → $1,420.
- FICA
- Social Security $1,860 on all of $30,000, under the $184,500 base. Medicare $435.
- Iowa
- 3.8% on $13,900 ($30,000 less the $16,100 Iowa subtracts first) → $528.
What this does not include
- Left out of the sums. Anything taken pre-tax (401(k), HSA, FSA, insurance premiums), any dependants or credits, itemised deductions, income that is not wages, and the half of FICA your employer pays.
- What is specifically live at $30,000. None of the following is in the take-home figure above, and all of it is real at this income: the Child and Dependent Care Credit, whose rate at this income is set by the §21 schedule described above.
- Iowa's small personal-exemption tax credits ($40 single / $80 MFJ / $40 per dependent) are post-tax credits and are not modeled.
A computed estimate, not tax advice. Your own W-4, benefits and credits move the number.
Frequently asked questions
What is the take-home pay on a $30,000 salary in Iowa?
About $25,757 a year for a single filer taking the standard deduction, after federal income tax of $1,420, Social Security of $1,860, Medicare of $435 and Iowa income tax of $528. In total 14.1% of gross pay is withheld.
How much is $30,000 a year per month after taxes in Iowa?
$2,146 a month, $990.65 on a fortnightly cycle and $1,073.20 paid twice a month. Federally you are in the 12% bracket, and Iowa charges its single 3.8% rate, though neither applies to the whole salary.
Is a raise from $30,000 to $40,000 worth it after tax?
$7,655 more a year, $638 a month. That is 76.6% of the $10,000 raise; the rest goes to federal tax, FICA and Iowa withholding.
Is $30,000 a good salary in Iowa?
Context, not advice: it is below Iowa's median HOUSEHOLD income of $75,501, a figure that often covers two earners, so a single earner on $30,000 is not as far off the middle as that comparison suggests. Housing cost is not modelled anywhere here.
Is this what I will actually see on my payslip?
Close, but not to the cent. The model is a single filer on the standard deduction with nothing pre-tax and nobody to claim, so a real W-4, real benefits and real dependants all shift it. Put your own figures into the Iowa paycheck calculator.
Sources
- Iowa: source for the state figures on this page
- IRS: 2026 inflation-adjusted tax brackets
- IRS: Rev. Proc. 2025-32 (2026 brackets, all statuses)
- Social Security Administration: Contribution and Benefit Base
- IRS: Topic no. 751, Additional Medicare Tax
Federal figures were last verified 2026-08-14.
Found an error? See our corrections log or contact us.