Civil Engineer Salary After Tax in Iowa (2026)

Median wage: $94,500/year → Take-home: $72,332/year ($6,028/mo)

Full Tax Breakdown — $94,500 in Iowa

Annual Take-Home$72,332After all taxes

Monthly$6,028Net per month

Bi-Weekly$2,782Every 2 weeks

Effective Tax Rate23.5%Fed + state + FICA

Where Your Money Goes

23.5%effective rate

Take-Home$72,33276.5%

Federal Tax$11,96012.7%

State & Local Tax$2,9793.2%

FICA$7,2297.6%

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$6,160

Affordability Snapshot

Based on your $6,028/mo take-home — 50/30/20 rule

Needs (50%)$3,014/mo

Rent, groceries, utilities, transport

Wants (30%)$1,808/mo

Dining, entertainment, hobbies

Savings (20%)$1,206/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$1,808/mo

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

Annual Savings Potential

$14,466

Daily Take-Home

$278

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$94,500	$7,875	$3,635	$1,817	$363	$45
Federal Income Tax	−$11,960	−$997	−$460	−$230	−$46	−$6
State Income Tax	−$2,979	−$248	−$115	−$57	−$11	−$1
Social Security	−$5,859	−$488	−$225	−$113	−$23	−$3
Medicare	−$1,370	−$114	−$53	−$26	−$5	−$1
Total Taxes	−$22,168	−$1,847	−$853	−$426	−$85	−$11
Take-Home Pay	$72,332	$6,028	$2,782	$1,391	$278	$35

Federal Rate

12.7%

State Rate

3.2%

Total Rate

23.5%

State-by-State Comparison

Same $94,500 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo Tax	$75,311	$19,189	20.3%
FLFloridaNo Tax	$75,311	$19,189	20.3%
WAWashingtonNo Tax	$75,311	$19,189	20.3%
NVNevadaNo Tax	$75,311	$19,189	20.3%
OHOhio	$73,494 -$1,816	$21,006 -$1,816/yr	22.2%
PAPennsylvania	$72,410 -$2,901	$22,090 -$2,901/yr	23.4%
IAIowaYou	$72,332 -$2,979	$22,168 -$2,979/yr	23.5%
ILIllinois	$70,778 -$4,533	$23,722 -$4,533/yr	25.1%
NYNew York	$70,776 -$4,535	$23,725 -$4,535/yr	25.1%
CACalifornia	$70,613 -$4,698	$23,887 -$4,698/yr	25.3%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $1,673/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 $5,592/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 $466/month to your take-home.

🗺️

Moving to a no-tax state could net $2,979 more per year

States like Texas and Florida have no state income tax. At your salary, moving to Texas would mean $2,979/year more take-home — $248/month — with no change to your gross salary.

Compare states →

Results for $94,500 salary · 2026 tax year

At a Glance

Annual Gross

$94,500

Annual Take-Home

$72,332

Monthly

$6,028

Bi-Weekly

$2,782

Weekly

$1,391

Hourly

$34.77

Federal Income Tax

$11,960

12.7% of gross

State Income Tax

$2,979

3.2% of gross

FICA (SS + Medicare)

$7,229

7.6% of gross

What does a Civil Engineer earn after taxes in Iowa?

The median annual wage for a civil engineer in Iowa is $94,500 according to BLS data. After federal income tax, FICA, and Iowa state income tax, the estimated take-home is $72,332/year or $6,028/month.

The effective total tax rate is 23.5%. Compared to the national median ($99,590), Iowa pays below average ($5,090 less/yr).