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Tax year 2026 · Single filer at $100k

Indiana flagIndiana vs Iowa flagIowa

Take-home pay after federal tax, state income tax, and FICA — calculated with the same engine as our paycheck calculator.

By Sammy S. · Founder · AuthorUpdated for 2026

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Winner at $100k

Indiana

Extra take-home / year

$850

Per month

$71

Over 10 years

$8,500

Moving from Iowa → Indiana at $100,000

Metric vs metric

Lower tax and cost figures generally favor the highlighted cell. Rate structure notes sit under each state's calculator link.

MetricIndiana flagIndianaIowa flagIowa
Income tax2.95% · Flat 2.95%3.80% · Flat 3.80%
Combined sales tax~7%~6.94%
Effective property tax~0.76%~1.33%
Cost of living index88.388.6
Median household income$68,800$72,800
Unemployment rate3.6%2.9%

Dig into each state's paycheck

Indiana calculator Iowa calculator

Indiana rate structure

Flat 2.95% state income tax on taxable wages (before credits).

Iowa rate structure

Flat 3.80% state income tax on taxable wages (before credits).

Overview

Indiana (Flat 2.95%) vs Iowa (Flat 3.80%). At $100,000 gross (single), Indiana typically leaves you with about $850 more take-home than Iowa after federal, state, and FICA. Sales tax ~7% vs ~6.94%; property tax ~0.76% vs ~1.33%. Median household income (ACS 2024): $68,800 vs $72,800.

Take-home by income

Net pay after federal income tax, state income tax, and FICA — single filer, standard deduction, no dependents (2026). Advantage is take-home in Iowa minus Indiana.

GrossIndiana take-homeIowa take-homeAdvantage
$50,000$40,880$40,455−$425
$75,000$59,380$58,743−$637
$100,000Headline$76,230$75,380−$850
$150,000$109,366$108,091−$1,275
$200,000$143,027$141,327−$1,700
$500,000$325,727$321,477−$4,250

Assumptions: single filer, standard deduction, no dependents, tax year 2026. At $100k: FICA ≈ $7,650 in both states; effective total tax rate ≈ 23.8% in Indiana vs 24.6% in Iowa. Local city taxes are not included unless noted.

$100k tax breakdown: Indiana vs Iowa

Where a $100,000 paycheck goes after federal income tax, state income tax, and FICA (2026, single filer).

Line itemIndiana flagIndianaIowa flagIowa
Gross pay$100,000$100,000
Federal income tax (est.)$13,170$13,170
State income tax$2,950$3,800
FICA (SS + Medicare)$7,650$7,650
Take-home pay$76,230$75,380
Effective total tax rate23.8%24.6%
Monthly take-home$6,353$6,282

Federal estimates can differ slightly between states when state interactions affect taxable income. Combined sales tax ~7% (Indiana) vs ~6.94% (Iowa); effective property tax ~0.76% vs ~1.33%.

Pros & cons: Indiana vs Iowa

Tax structure, living costs, and lifestyle trade-offs beyond the paycheck number.

Indiana flagIndiana

Pros

  • Lower top/marginal state rate (Flat 2.95%) than Iowa (Flat 3.80%)
  • About $850/year more take-home at $100k gross (single) vs Iowa
  • Lower effective property tax (~0.76% vs ~1.33% in Iowa)

Cons

  • −Lower median household income ($68,800 ACS 2024 vs $72,800)
  • −Higher unemployment rate (3.6% vs 2.9%)
  • −Local city/county taxes and credits are not fully modeled in the headline ladder

Iowa flagIowa

Pros

  • Higher median household income ($72,800 ACS 2024 vs $68,800)
  • Lower unemployment rate (2.9% vs 3.6%)
  • Modeled with our 2026 federal + state + FICA paycheck engine

Cons

  • −State income tax (Flat 3.80%) reduces take-home vs a $0-income-tax peer
  • −Roughly $850/year less take-home at $100k vs Indiana
  • −Higher effective property tax (~1.33% vs ~0.76% in Indiana)

Who wins when

Quick read on when each state is the better fit — beyond the headline tax number.

  • Indiana wins on take-home pay at every salary band in our ladder (single filer, standard deduction).
  • Indiana: Lower top/marginal state rate (Flat 2.95%) than Iowa (Flat 3.80%)
  • Indiana: About $850/year more take-home at $100k gross (single) vs Iowa
  • Iowa: Higher median household income ($72,800 ACS 2024 vs $68,800)
  • Iowa: Lower unemployment rate (2.9% vs 3.6%)

How we calculate Indiana vs Iowa

Tax engine. Federal income tax uses 2026 IRS brackets and the standard deduction for a single filer. FICA includes Social Security and Medicare employee shares. State income tax applies Indiana's and Iowa's rules as modeled in our US calculator (Flat 2.95% vs Flat 3.80%).

What's included. Wage income only — no capital gains, self-employment tax, itemized deductions, credits, or local city wage taxes (e.g. NYC) unless noted. Sales tax (~7% vs ~6.94%) and property tax (~0.76% vs ~1.33%) are context metrics, not subtracted from the take-home ladder.

Cost of living. COL indexes (88.3 vs 88.6, 100 = US average) and median household income ($68,800 vs $72,800) help interpret whether a paycheck win buys more in real life. For city-level equivalent salary, use the Indiana → Iowa relocation calculator.

Frequently asked questions

Common questions about Indiana vs Iowa taxes, take-home pay, and relocation.

At $100,000 gross (single, standard deduction, no dependents), estimated take-home is $76,230 in Indiana vs $75,380 in Iowa — about $850/year more in Indiana (≈ $71/month, $8,500 over 10 years). State income tax alone is $2,950 vs $3,800. Actual savings depend on filing status, deductions, local taxes, and housing.

Indiana: Flat 2.95% — Flat 2.95% state income tax on taxable wages (before credits). Iowa: Flat 3.80% — Flat 3.80% state income tax on taxable wages (before credits). Indiana has the lower state income tax burden at typical W-2 income levels (about $850 less state tax at $100k in this model). Federal income tax and FICA (Social Security + Medicare) apply in both states.

Combined sales tax averages ~7% in Indiana and ~6.94% in Iowa. Effective property tax rates are roughly 0.76% vs 1.33% of home value. Income-tax savings can be offset (or amplified) by these taxes depending on housing and spending — model both with our relocation calculator.

Remote workers who can choose domicile often prioritize state income tax. Compare take-home in the income ladder, then factor cost of living (Indiana COL index 88.3 vs Iowa 88.6, 100 = US average) and median household income ($68,800 vs $72,800). Use our paycheck calculator for your exact salary and filing status.

Cost of living indexes: Indiana 88.3 vs Iowa 88.6 (100 = US average). Median household income (ACS 2024): $68,800 vs $72,800. Unemployment: 3.6% vs 2.9%. A paycheck win can be erased by higher rents or home prices — check city-level COL on our relocation tool.

Yes. Figures use our 2026 federal brackets, FICA wage base, and Indiana/Iowa state income tax rules as modeled in our US tax engine. Assumptions: single filer, standard deduction, no dependents, no itemized deductions or credits beyond the engine defaults. Tax laws change — verify with your state DOR or a tax professional before relocating. Iowa → Indiana movers should also confirm domicile rules and withholding.

Moving Indiana → Iowa?

Model cost-of-living equivalent salary, or open each state's paycheck calculator with your filing status and deductions.

Relocation calculator Indiana calculatorIowa calculator

Related tools

US paycheck calculatorFederal, state, and FICA take-homeRelocation city compareCOL ranks and city-to-city movesRelocation salary calculatorCity COL + equivalent salarySalary comparison by stateTake-home ladders by stateCost of living by stateStatewide affordability indexesTotal tax burden by stateIncome, sales, and property togetherMetro paycheck examplesCity take-home on $100k

Estimates only for tax year 2026. Not tax advice — verify with your state tax agency or a CPA before relocating. Figures assume a single filer with the standard deduction and no dependents.