Civil Engineer Salary After Tax in Iowa (2026)

Median wage: $84,430/year → Take-home: $64,246/year ($5,354/mo)

Full Tax Breakdown — $84,430 in Iowa

Annual Take-Home$64,246After all taxes

Monthly$5,354Net per month

Bi-Weekly$2,471Every 2 weeks

Effective Tax Rate23.9%Fed + state + FICA

Where Your Money Goes

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$3,945

Affordability Snapshot

Based on your $5,354/mo take-home — 50/30/20 rule

Needs (50%)$2,677/mo

Rent, groceries, utilities, transport

Wants (30%)$1,606/mo

Dining, entertainment, hobbies

Savings (20%)$1,071/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$1,606/mo

30% of monthly take-home — the commonly recommended housing cost ceiling.

Annual Savings Potential

$12,849

Daily Take-Home

$247

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$84,430	$7,036	$3,247	$1,624	$325	$41
Federal Income Tax	−$9,745	−$812	−$375	−$187	−$37	−$5
State Income Tax	−$3,980	−$332	−$153	−$77	−$15	−$2
Social Security	−$5,235	−$436	−$201	−$101	−$20	−$3
Medicare	−$1,224	−$102	−$47	−$24	−$5	−$1
Total Taxes	−$20,184	−$1,682	−$776	−$388	−$78	−$10
Take-Home Pay	$64,246	$5,354	$2,471	$1,236	$247	$31

Federal Rate

11.5%

State Rate

4.7%

Total Rate

23.9%

State-by-State Comparison

Same $84,430 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo Tax	$68,227	$16,204	19.2%
FLFloridaNo Tax	$68,227	$16,204	19.2%
WAWashingtonNo Tax	$68,227	$16,204	19.2%
NVNevadaNo Tax	$68,227	$16,204	19.2%
OHOhio	$66,679 -$1,548	$17,751 -$1,548/yr	21.0%
PAPennsylvania	$65,635 -$2,592	$18,796 -$2,592/yr	22.3%
IAIowaYou	$64,246 -$3,980	$20,184 -$3,980/yr	23.9%
CACalifornia	$64,219 -$4,008	$20,211 -$4,008/yr	23.9%
NYNew York	$64,188 -$4,039	$20,242 -$4,039/yr	24.0%
ILIllinois	$64,167 -$4,059	$20,263 -$4,059/yr	24.0%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $1,768/yr in taxes

Pre-tax 401(k) contributions reduce your federal and state taxable income. Contributing an additional $5,000 would increase your monthly take-home by $417 while building retirement savings.

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Married filing jointly saves $4,805/yr

If you're married, filing jointly gives you a $32,200 standard deduction (vs $16,100 single) and wider tax brackets. This would add $400/month to your take-home.

🗺️

Moving to a no-tax state could net $3,980 more per year

States like Texas and Florida have no state income tax. At your salary, moving to Texas would mean $3,980/year more take-home — $332/month — with no change to your gross salary.

Compare states →

Results for $84,430 salary · 2026 tax year

At a Glance

Annual Gross

$84,430

Annual Take-Home

$64,246

Monthly

$5,354

Bi-Weekly

$2,471

Weekly

$1,236

Hourly

$30.89

Federal Income Tax

$9,745

11.5% of gross

State Income Tax

$3,980

4.7% of gross

FICA (SS + Medicare)

$6,459

7.7% of gross

What does a Civil Engineer earn after taxes in Iowa?

The median annual wage for a civil engineer in Iowa is $84,430 according to BLS data. After federal income tax, FICA, and Iowa state income tax, the estimated take-home is $64,246/year or $5,354/month.

The effective total tax rate is 23.9%. Compared to the national median ($95,890), Iowa pays below average ($11,460 less/yr).