2026 tax year · Iowa
1099 tax calculator for Iowa
Iowa taxes income at a flat 3.8% for 2026, applied on top of federal income tax and self-employment tax.
Switching state opens that state's page.
Enter your numbers and press Calculate to see your 2026 estimate.
How 1099 tax works in Iowa
Iowa applies a single 3.8% rate to taxable income for 2026, so every extra dollar of 1099 profit is taxed at the same state rate.
On top of that sits the federal layer, which is the same wherever you live: self-employment tax plus federal income tax. The 1099 tax calculator hub works through how that half is built.
Worked example: $50,000 of 1099 income in Iowa
A single filer with $50,000 of net 1099 income and no W-2 wages, taking the standard deduction, owes an estimated:
| Self-employment tax | $7,065 |
| Federal income tax | $2,667 |
| Iowa state income tax | $1,766 |
| Total tax | $11,498 |
| Effective rate | 23.0% |
| After-tax income | $38,502 |
Iowa against the states it borders
On $50,000, Iowa charges $1,900 of state income tax. Of the 6 states it borders, South Dakota is the lightest at nothing at all and Minnesota the most expensive at $2,932, a spread of $2,932 on the same income.
| State | Tax on $50,000 | vs Iowa |
|---|---|---|
| South Dakota | No income tax | −$1,900 |
| Nebraska | $1,974 | +$74 |
| Missouri | $2,230 | +$330 |
| Wisconsin | $2,263 | +$363 |
| Illinois | $2,475 | +$575 |
| Minnesota | $2,932 | +$1,032 |
- South Dakota has no income tax at all, so the same work done there costs $1,900 less in state tax than it does in Iowa.
- Nebraska would take $74 more, $1,974 against Iowa's $1,900.
- Missouri would take $330 more, $2,230 against Iowa's $1,900.
- Wisconsin would take $363 more, $2,263 against Iowa's $1,900.
- Illinois would take $575 more, $2,475 against Iowa's $1,900.
- Minnesota would take $1,032 more, $2,932 against Iowa's $1,900.
What this estimate assumes
- Single filer, $16,100 federal standard deduction, net profit after expenses.
- No local income tax is modeled.
- No Iowa credits are applied beyond the deductions in its own rules.
Iowa 1099 tax questions
Does Iowa tax 1099 income?
Yes. Iowa taxes net profit from 1099 work the same way it taxes other income, at a flat 3.8%. On the $50,000 example above the state share is $1,766.
How much should a 1099 worker in Iowa set aside?
About 23% of net profit, based on the $50,000 single-filer example above ($11,498 of federal, self-employment and Iowa state tax combined). Your own rate moves with filing status, other income and deductions, run the calculator with your numbers.
Are there local income taxes in Iowa?
The estimate above models federal, self-employment and state income tax only, it does not include any city, county or school-district income tax. The 2026 dataset carries no local-tax note for Iowa, so check with the municipality where you live and work before relying on the state figure alone.
Does Iowa reciprocity help if I do 1099 work across a state line?
Usually not. Iowa has wage reciprocity with Illinois, but reciprocity agreements cover wages paid by an employer, not self-employment income. A 1099 worker with income sourced to another state generally still files there and claims a credit at home.
When are quarterly estimated payments due?
Federal 1040-ES payments for the 2026 tax year are due April 15, 2026, June 16, 2026, September 15, 2026, January 15, 2027. Iowa requires its own estimated payments; the 2026 dataset does not yet carry state-specific due dates, so confirm them with the Iowa tax agency.