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
Iowa vs Utah Income Tax Comparison (2026)
On a $75,000 salary (single filer, 2026), you pay $211 less state income tax a year in Iowa than in Utah, which is about $18 a month. At $150,000 the gap is $736 in favor of Iowa.
Iowa: 3.8% flatUtah: 4.5% flatUpdated October 10, 2026
Compare Iowa and Utah 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.
2Utah
21.1%
Overall effective tax rate
- Net
- Federal
- State
- FICA
- Federal income tax
- $7,670
- State income tax
- $2,409
- Payroll tax (FICA)
- $5,738
- Total tax
- $15,817
- Net income (annual)
- $59,184
Advanced analysis (optional)
Choose which extra insights you would like to see.
💰 Monthly breakdown
Your take-home pay, spread across the year
Iowa
Monthly gross$6,250
Monthly tax$1,300
Monthly take-home$4,950
Utah
Monthly gross$6,250
Monthly tax$1,318
Monthly take-home$4,932
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 Utah: how the two systems differ
| Iowa | Utah | |
|---|---|---|
| Wage income tax | Flat 3.8% | Flat 4.5% |
| Top rate | 3.8% | 4.5% |
| Lowest rate | 3.8% | 4.5% |
| Deductions and credits (single) | $16,100 standard deduction, $40 personal credit | $966 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 | IA state tax | UT state tax | Difference | IA take-home | UT take-home |
|---|---|---|---|---|---|
| $30,000 | $488 | $384 | $104 less in Utah | $25,797 | $25,901 |
| $40,000 | $868 | $834 | $34 less in Utah | $33,452 | $33,486 |
| $50,000 | $1,248 | $1,284 | $36 less in Iowa | $41,107 | $41,071 |
| $60,000 | $1,628 | $1,734 | $106 less in Iowa | $48,762 | $48,656 |
| $75,000 | $2,198 | $2,409 | $211 less in Iowa | $59,394 | $59,184 |
| $100,000 | $3,148 | $3,534 | $386 less in Iowa | $76,032 | $75,646 |
| $150,000 | $5,048 | $5,784 | $736 less in Iowa | $108,743 | $108,007 |
| $250,000 | $8,848 | $10,284 | $1,436 less in Iowa | $174,334 | $172,898 |
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 | UT state tax | Difference | IA take-home | UT take-home |
|---|---|---|---|---|---|
| $75,000 | $1,546 | $1,443 | $103 less in Utah | $63,076 | $63,180 |
| $100,000 | $2,496 | $2,568 | $72 less in Iowa | $82,214 | $82,142 |
| $150,000 | $4,396 | $4,818 | $422 less in Iowa | $118,789 | $118,367 |
| $250,000 | $8,196 | $9,318 | $1,122 less in Iowa | $189,272 | $188,150 |
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 Utah charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Utah is the lower-tax state. The order flips again near $47,500, so the better state depends on where your income falls.
Rates side by side
Iowa (single filers)
| 3.8% | Over $0 |
Utah (single filers)
| 4.5% | Over $0 |
- Utah: Utah’s credit phases out as income rises, which is not modeled here.
Full details for each state: Iowa income tax calculator and Utah income tax calculator. Federal rates are on the 2026 federal tax brackets page.
Iowa vs Utah FAQ
Which has lower income tax, Iowa or Utah?+
Iowa is lower at $75,000: $2,198 of state income tax versus $2,409 in Utah. At $150,000 it is $5,048 in Iowa and $5,784 in Utah. For a single filer, Iowa and Utah charge the same state income tax (nothing) up to roughly $17,500 of income. Above that, Utah is the lower-tax state. The order flips again near $47,500, so the better state depends on where your income falls.
How much more do I keep on $100,000 in Iowa versus Utah?+
A single filer keeping $76,032 a year in Iowa would keep $75,646 in Utah after federal, state and payroll tax. The difference is $386 a year, or $32 a month.
How do the Iowa and Utah income tax systems differ?+
Iowa uses a flat 3.8% rate; Utah uses a flat 4.5% rate. State deductions and exemptions also differ, which changes how much income is taxed.
Are local taxes included in this Iowa vs Utah 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 Utah 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.