1Arizona
Lowest19.8%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $1,473
- Payroll tax (FICA)
- $5,738
- Total tax
- $14,880
- Net income (annual)
- $60,120
Tax year 2026 · state vs state
Arizona vs Iowa Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $726 less state income tax a year in Arizona than in Iowa, which is about $60 a month. At $150,000 the gap is $1,701 in favor of Arizona.
Arizona: 2.5% flatIowa: 3.8% flatUpdated October 10, 2026
Compare Arizona and Iowa for your income
Estimate for education only, not tax advice. 2026 federal and state rules, standard deductions, no local taxes. How we calculate.
State comparison
Comparing 2 states, sorted by lowest overall tax rate.
2Iowa
20.8%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,198
- Payroll tax (FICA)
- $5,738
- Total tax
- $15,606
- Net income (annual)
- $59,394
Advanced analysis (optional)
Choose which extra insights you would like to see.
💰 Monthly breakdown
Your take-home pay, spread across the year
Arizona
Monthly gross$6,250
Monthly tax$1,240
Monthly take-home$5,010
Iowa
Monthly gross$6,250
Monthly tax$1,300
Monthly take-home$4,950
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
Arizona vs Iowa: how the two systems differ
| Arizona | Iowa | |
|---|---|---|
| Wage income tax | Flat 2.5% | Flat 3.8% |
| Top rate | 2.5% | 3.8% |
| Lowest rate | 2.5% | 3.8% |
| Deductions and credits (single) | $16,100 standard deduction | $16,100 standard deduction, $40 personal credit |
State income tax and take-home pay at every salary
The same salary can leave you with different take-home pay depending on the state. This table applies each state’s 2026 rules to a single filer with no pre-tax contributions.
| Income | AZ state tax | IA state tax | Difference | AZ take-home | IA take-home |
|---|---|---|---|---|---|
| $30,000 | $348 | $488 | $141 less in Arizona | $25,938 | $25,797 |
| $40,000 | $598 | $868 | $271 less in Arizona | $33,723 | $33,452 |
| $50,000 | $848 | $1,248 | $401 less in Arizona | $41,508 | $41,107 |
| $60,000 | $1,098 | $1,628 | $531 less in Arizona | $49,293 | $48,762 |
| $75,000 | $1,473 | $2,198 | $726 less in Arizona | $60,120 | $59,394 |
| $100,000 | $2,098 | $3,148 | $1,051 less in Arizona | $77,083 | $76,032 |
| $150,000 | $3,348 | $5,048 | $1,701 less in Arizona | $110,444 | $108,743 |
| $250,000 | $5,848 | $8,848 | $3,001 less in Arizona | $177,335 | $174,334 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | AZ state tax | IA state tax | Difference | AZ take-home | IA take-home |
|---|---|---|---|---|---|
| $75,000 | $1,070 | $1,546 | $476 less in Arizona | $63,553 | $63,076 |
| $100,000 | $1,695 | $2,496 | $801 less in Arizona | $83,015 | $82,214 |
| $150,000 | $2,945 | $4,396 | $1,451 less in Arizona | $120,240 | $118,789 |
| $250,000 | $5,445 | $8,196 | $2,751 less in Arizona | $192,023 | $189,272 |
Married filing jointly, 2026, federal standard deduction. Uses each state's joint brackets where they differ.
Does the lower-tax state change as income rises?
For a single filer, Arizona and Iowa charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Iowa is the lower-tax state. The order flips again near $20,000, so the better state depends on where your income falls.
Rates side by side
Arizona (single filers)
| 2.5% | Over $0 |
Iowa (single filers)
| 3.8% | Over $0 |
Full details for each state: Arizona income tax calculator and Iowa income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Arizona vs Iowa FAQ
Which has lower income tax, Arizona or Iowa?+
Arizona is lower at $75,000: $1,473 of state income tax versus $2,198 in Iowa. At $150,000 it is $3,348 in Arizona and $5,048 in Iowa. For a single filer, Arizona and Iowa charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Iowa is the lower-tax state. The order flips again near $20,000, so the better state depends on where your income falls.
How much more do I keep on $100,000 in Arizona versus Iowa?+
A single filer keeping $77,083 a year in Arizona would keep $76,032 in Iowa after federal, state and payroll tax. The difference is $1,051 a year, or $88 a month.
How do the Arizona and Iowa income tax systems differ?+
Arizona uses a flat 2.5% rate; Iowa uses a flat 3.8% rate. State deductions and exemptions also differ, which changes how much income is taxed.
Are local taxes included in this Arizona vs Iowa comparison?+
No. It covers federal income tax, Social Security, Medicare and state income tax only. City, county, sales and property taxes are not included, and they can change the real cost of living in each state.
Should I move from Arizona to Iowa to save on taxes?+
State income tax is one cost among many. Property and sales taxes, housing, insurance and wages also differ, and you may owe tax to both states in the year you move. Use this comparison as one input and confirm details with a tax professional.
Sources
- Tax Foundation: 2026 state individual income tax rates and brackets
- IRS: Tax inflation adjustments for tax year 2026
Last checked October 10, 2026. Confirm with your state tax agency before filing.
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Estimates for education only, not tax, legal or financial advice. Not a substitute for a tax professional or your state revenue department.