2026 State Take-Home Comparison
Iowa vs South Dakota Take-Home Pay (2026)
Moving from Iowa to South Dakota: paycheck difference after taxes
On a $75,000 salary, moving from Iowa to South Dakota means earning $2,356 more per year after taxes — about $91 more per biweekly paycheck. Federal income tax and FICA stay the same; the difference comes from state tax.
What changes: State income tax. What stays the same: Federal income tax and FICA (Social Security + Medicare) are the same in every state for the same salary and filing status. Estimates based on $75,000 salary, single, biweekly. Use the calculator below for your numbers.
Iowa vs South Dakota — Take-Home Pay Overview
Iowa uses a flat state income tax, while South Dakota has no state income tax on wage income.
For workers comparing the two states, that means South Dakota generally leaves more paycheck income after withholding than Iowa under the same salary assumptions.
| Salary | Iowa Take-Home | South Dakota Take-Home |
|---|---|---|
| $50,000 | $40,949 | $42,355 |
| $75,000 | $59,237 | $61,593 |
| $100,000 | $75,874 | $79,180 |
On a $100,000 salary, you take home $3,306 more per year in South Dakota than in Iowa.
$100,000 Salary: Iowa vs South Dakota
| Tax / Component | Iowa | South Dakota | Difference |
|---|---|---|---|
| Federal Income Tax | $13,170 | $13,170 | same |
| State Income Tax | $3,306 | $0 | +$3,306 |
| Social Security | $6,200 | $6,200 | same |
| Medicare | $1,450 | $1,450 | same |
| Take-Home Pay | $75,874 | $79,180 | -$3,306 |
$100,000 — Rent affordability: Iowa vs South Dakota
| Metric | Iowa | South Dakota |
|---|---|---|
| Net take-home / year | $75,874 | $79,180 |
| Net take-home / month | $6,323 | $6,598 |
| Median 1BR rent (HUD) | $700 | $750 |
| Rent as % of take-home | 11.1% ✓ | 11.4% ✓ |
Rent: HUD Fair Market Rents FY2025 · Spending: BLS Consumer Expenditure Survey 2023
$75,000 Salary: Iowa vs South Dakota
| Tax / Component | Iowa | South Dakota | Difference |
|---|---|---|---|
| Federal Income Tax | $7,670 | $7,670 | same |
| State Income Tax | $2,356 | $0 | +$2,356 |
| Social Security | $4,650 | $4,650 | same |
| Medicare | $1,088 | $1,088 | same |
| Take-Home Pay | $59,237 | $61,593 | -$2,356 |
Take-Home Pay Comparison: Iowa vs South Dakota
For a single filer at $100,000, South Dakota puts $3,306 more per year in your pocket than Iowa — $276 per month.
| Annual Salary | Iowa | South Dakota | Annual Difference |
|---|---|---|---|
| $50,000 | $40,949 | $42,355 | $-1,406 (Iowa) |
| $75,000 | $59,236.5 | $61,592.5 | $-2,356 (Iowa) |
| $100,000 | $75,874 | $79,180 | $-3,306 (Iowa) |
| $125,000 | $92,447.5 | $96,703.5 | $-4,256 (Iowa) |
| $150,000 | $108,585 | $113,791 | $-5,206 (Iowa) |
After subtracting median 1-bedroom rent, South Dakota residents keep $67,180 per year vs $64,474 in Iowa. See full cost-adjusted ranking →
Calculate your exact Iowa vs South Dakota take-home →Calculation assumptions
- Standard withholding per IRS Publication 15-T (2026)
- Social Security wage base: $184,500 (SSA 2026)
- No pre-tax deductions, no post-tax deductions
- Filing status: Single, one job
- Standard W-4 withholding (no additional withholding elections)
- Actual paycheck may differ based on employer setup, benefits, or W-4 elections
Calculate your take-home pay in each state:
Calculate your exact take-home pay
- Use the Iowa paycheck calculator →
- Use the South Dakota paycheck calculator →
- Compare custom salaries interactively →