Iowa vs New York Taxes: Take-Home Pay Compared (2026)
On a $75,000 salary, a single filer keeps $1,215 more a year in Iowa than in New York ($101 a month).
Iowa
3.8% flat state income tax
$59,354
take-home on $75,000 · $4,946/month
15th of 51 states for take-home pay
Iowa paycheck calculator ›New York
3.9% - 10.9% state income tax
$58,139
take-home on $75,000 · $4,845/month
42nd of 51 states for take-home pay
New York paycheck calculator ›Take-home pay in Iowa and New York by salary
| Salary | Iowa | New York | Difference |
|---|---|---|---|
| $40,000 | $33,412 | $32,757 | $655 more in Iowa |
| $50,000 | $41,067 | $40,252 | $815 more in Iowa |
| $60,000 | $48,722 | $47,747 | $975 more in Iowa |
| $75,000 | $59,354 | $58,139 | $1,215 more in Iowa |
| $100,000 | $75,992 | $74,320 | $1,672 more in Iowa |
| $125,000 | $92,566 | $90,369 | $2,197 more in Iowa |
| $150,000 | $108,703 | $105,981 | $2,722 more in Iowa |
| $200,000 | $141,939 | $138,167 | $3,772 more in Iowa |
Single filer, standard deduction, no local tax. To match $75,000 in Iowa you would need about $76,850 in New York; to match $75,000 in New York you would need about $73,150 in Iowa.
How Iowa and New York tax wages
| 2026 | Iowa | New York |
|---|---|---|
| Income tax | a flat 3.8% income tax | 9 brackets from 3.9% to 10.9% |
| Top rate | 3.8% | 10.9% |
| Standard deduction | $16,100 single | $8,000 single |
| State tax on $75k | $2,238 (3.0%) | $3,453 (4.6%) |
| Local wage taxes | Yes (3 modeled) | Yes (2 modeled) |
| Reciprocity | Illinois | None |
Iowa vs New York: FAQ
Does Iowa or New York have lower income taxes in 2026?
On a $75,000 salary, a single filer keeps $1,215 more a year in Iowa than in New York ($101 a month). Iowa has a flat 3.8% income tax for 2026. New York has 9 brackets from 3.9% to 10.9% for 2026. For single filers the top 10.9% rate starts at $25,000,000 of taxable income.
What salary in New York equals $75,000 in Iowa?
To take home the same $59,354 that $75,000 leaves in Iowa, you would need about $76,850 in New York, based on income, payroll, and state taxes only. Housing and other living costs are not included.
How much more do high earners keep in Iowa than in New York?
At $150,000 the gap is $2,722 a year: $108,703 in Iowa versus $105,981 in New York. Progressive brackets make the difference grow faster as income rises.
What if I live in Iowa and work in New York?
Iowa and New York do not have a reciprocity agreement, so New York withholds tax on wages earned there and Iowa generally gives residents a credit for tax paid to the other state. You effectively pay the higher of the two rates.
Do local taxes change the Iowa vs New York comparison?
Iowa has local wage taxes in places like Des Moines (School district surtax), Cedar Rapids (School district surtax), Davenport (School district surtax). New York has local wage taxes in places like New York City (3.078%-3.876%), Yonkers (1.96% / 0.5%). Those are on top of the statewide figures above, so check the city calculators if you live or work in one of them.