1Iowa
Lowest20.8%
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
Tax year 2026 · state vs state
California vs Iowa Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $590 less state income tax a year in Iowa than in California, which is about $49 a month. At $150,000 the gap is $4,672 in favor of Iowa.
California: up to 13.3%Iowa: 3.8% flatUpdated October 10, 2026
Compare California 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.
2California
21.6%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,788
- Payroll tax (FICA)
- $5,738
- Total tax
- $16,195
- Net income (annual)
- $58,805
Advanced analysis (optional)
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💰 Monthly breakdown
Your take-home pay, spread across the year
Iowa
Monthly gross$6,250
Monthly tax$1,300
Monthly take-home$4,950
California
Monthly gross$6,250
Monthly tax$1,350
Monthly take-home$4,900
Estimates use 2026 federal and state rates, the standard deduction for your filing status and no local taxes. Rankings use state income tax only.
California vs Iowa: how the two systems differ
| California | Iowa | |
|---|---|---|
| Wage income tax | Progressive, 10 brackets | Flat 3.8% |
| Top rate | 13.3% | 3.8% |
| Lowest rate | 1% | 3.8% |
| Deductions and credits (single) | $5,540 standard deduction, $153 personal credit | $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 | CA state tax | IA state tax | Difference | CA take-home | IA take-home |
|---|---|---|---|---|---|
| $30,000 | $225 | $488 | $263 less in California | $26,060 | $25,797 |
| $40,000 | $589 | $868 | $279 less in California | $33,731 | $33,452 |
| $50,000 | $1,049 | $1,248 | $199 less in California | $41,306 | $41,107 |
| $60,000 | $1,649 | $1,628 | $21 less in Iowa | $48,741 | $48,762 |
| $75,000 | $2,788 | $2,198 | $590 less in Iowa | $58,805 | $59,394 |
| $100,000 | $5,070 | $3,148 | $1,922 less in Iowa | $74,110 | $76,032 |
| $150,000 | $9,720 | $5,048 | $4,672 less in Iowa | $104,071 | $108,743 |
| $250,000 | $19,020 | $8,848 | $10,172 less in Iowa | $164,162 | $174,334 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | CA state tax | IA state tax | Difference | CA take-home | IA take-home |
|---|---|---|---|---|---|
| $75,000 | $979 | $1,546 | $568 less in California | $63,644 | $63,076 |
| $100,000 | $2,099 | $2,496 | $397 less in California | $82,611 | $82,214 |
| $150,000 | $5,576 | $4,396 | $1,179 less in Iowa | $117,609 | $118,789 |
| $250,000 | $14,791 | $8,196 | $6,594 less in Iowa | $182,677 | $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, California and Iowa charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, California is the lower-tax state. The order flips again near $60,000, so the better state depends on where your income falls.
Rates side by side
California (single filers)
| 1% | Up to $11,079 |
| 2% | $11,080 to $26,264 |
| 4% | $26,265 to $41,452 |
| 6% | $41,453 to $57,542 |
| 8% | $57,543 to $72,724 |
| 9.3% | $72,725 to $371,479 |
| 10.3% | $371,480 to $445,771 |
| 11.3% | $445,772 to $742,953 |
| 12.3% | $742,954 to $1,000,000 |
| 13.3% | Over $1,000,000 |
Iowa (single filers)
| 3.8% | Over $0 |
- California: California also charges 1.3% State Disability Insurance (SDI) on all wages, and an extra 1% mental health tax above $1 million. Neither is included here.
Full details for each state: California income tax calculator and Iowa income tax calculator. Federal rates are on the 2026 federal tax brackets page.
California vs Iowa FAQ
Which has lower income tax, California or Iowa?+
Iowa is lower at $75,000: $2,198 of state income tax versus $2,788 in California. At $150,000 it is $9,720 in California and $5,048 in Iowa. For a single filer, California and Iowa charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, California is the lower-tax state. The order flips again near $60,000, so the better state depends on where your income falls.
How much more do I keep on $100,000 in California versus Iowa?+
A single filer keeping $74,110 a year in California would keep $76,032 in Iowa after federal, state and payroll tax. The difference is $1,922 a year, or $160 a month.
How do the California and Iowa income tax systems differ?+
California uses progressive rates up to 13.3%; 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 California 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 California 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.