1Texas
Lowest17.9%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $0
- Payroll tax (FICA)
- $5,738
- Total tax
- $13,408
- Net income (annual)
- $61,593
Tax year 2026 · state vs state
Iowa vs Texas Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $2,198 less state income tax a year in Texas than in Iowa, which is about $183 a month. At $150,000 the gap is $5,048 in favor of Texas.
Iowa: 3.8% flatTexas: no state taxUpdated October 10, 2026
Compare Iowa and Texas 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)
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💰 Monthly breakdown
Your take-home pay, spread across the year
Texas
Monthly gross$6,250
Monthly tax$1,117
Monthly take-home$5,133
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.
Iowa vs Texas: how the two systems differ
| Iowa | Texas | |
|---|---|---|
| Wage income tax | Flat 3.8% | No tax on wages |
| Top rate | 3.8% | 0% |
| Lowest rate | 3.8% | 0% |
| Deductions and credits (single) | $16,100 standard deduction, $40 personal credit | Not applicable |
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 | IA state tax | TX state tax | Difference | IA take-home | TX take-home |
|---|---|---|---|---|---|
| $30,000 | $488 | $0 | $488 less in Texas | $25,797 | $26,285 |
| $40,000 | $868 | $0 | $868 less in Texas | $33,452 | $34,320 |
| $50,000 | $1,248 | $0 | $1,248 less in Texas | $41,107 | $42,355 |
| $60,000 | $1,628 | $0 | $1,628 less in Texas | $48,762 | $50,390 |
| $75,000 | $2,198 | $0 | $2,198 less in Texas | $59,394 | $61,593 |
| $100,000 | $3,148 | $0 | $3,148 less in Texas | $76,032 | $79,180 |
| $150,000 | $5,048 | $0 | $5,048 less in Texas | $108,743 | $113,791 |
| $250,000 | $8,848 | $0 | $8,848 less in Texas | $174,334 | $183,182 |
Single filer, 2026, federal standard deduction. Take-home is after federal, state and payroll tax. No local taxes.
Married filing jointly
| Income | IA state tax | TX state tax | Difference | IA take-home | TX take-home |
|---|---|---|---|---|---|
| $75,000 | $1,546 | $0 | $1,546 less in Texas | $63,076 | $64,623 |
| $100,000 | $2,496 | $0 | $2,496 less in Texas | $82,214 | $84,710 |
| $150,000 | $4,396 | $0 | $4,396 less in Texas | $118,789 | $123,185 |
| $250,000 | $8,196 | $0 | $8,196 less in Texas | $189,272 | $197,468 |
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, Iowa and Texas charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Texas is the lower-tax state.
Rates side by side
Iowa (single filers)
| 3.8% | Over $0 |
Texas (single filers)
Texas has no state personal income tax. Its constitution restricts one. State revenue comes mainly from sales tax and property taxes set locally.
Full details for each state: Iowa income tax calculator and Texas income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Iowa vs Texas FAQ
Which has lower income tax, Iowa or Texas?+
Texas is lower at $75,000: $0 of state income tax versus $2,198 in Iowa. At $150,000 it is $5,048 in Iowa and $0 in Texas. For a single filer, Iowa and Texas charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Texas is the lower-tax state.
How much more do I keep on $100,000 in Iowa versus Texas?+
A single filer keeping $76,032 a year in Iowa would keep $79,180 in Texas after federal, state and payroll tax. The difference is $3,148 a year, or $262 a month.
How do the Iowa and Texas income tax systems differ?+
Iowa uses a flat 3.8% rate; Texas has no tax on wages. State deductions and exemptions also differ, which changes how much income is taxed.
Are local taxes included in this Iowa vs Texas 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 Iowa to Texas 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.