Last updated: 2025 BLS data · Page refreshed:
How much does a Clinical and Counseling Psychologists actually take home in Iowa?
3.9% flat rate — 24.7% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Clinical and Counseling Psychologists earning $91,690 in Iowa (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $91,690 | — |
| Federal Income Tax | -$12,012 | 13.1% |
| Iowa State Income Tax | -$3,575 | 3.9% |
| Social Security (OASDI) | -$5,684 | 6.2% |
| Medicare | -$1,329 | 1.5% |
| Total Taxes | -$22,602 | 24.7% |
| Take-Home Pay | $69,087 | 75.3% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Clinical and Counseling Psychologists in Iowa.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $64,200 | -$13,380 | $50,819 | 20.8% |
| 25th Percentile (P25) | $74,990 | -$17,000 | $57,989 | 22.7% |
| Median (P50) | $91,690 | -$22,602 | $69,087 | 24.7% |
| 75th Percentile (P75) | $129,970 | -$35,742 | $94,227 | 27.5% |
| 90th Percentile (P90) | $168,660 | -$49,493 | $119,166 | 29.3% |
After federal income tax ($12,012), state tax ($3,575), and FICA ($7,014), a Clinical and Counseling Psychologists in Iowa takes home $69,087 per year — or $5,757 per month. The effective tax rate of 24.7% is relatively low compared to the national range.
With an effective total rate of 24.7%, a Clinical and Counseling Psychologists in Iowa keeps $69,087 of $91,690 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Iowa applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Clinical and Counseling Psychologists salary that contributes $3,576 to the 3.9% effective state-tax burden.
Federal tax on this Clinical and Counseling Psychologists salary is $12,013 (53%), but combined state ($3,576, 16%) + FICA ($7,014, 31%) make up the other 47% of the bill.
Moving this same Clinical and Counseling Psychologists salary to a zero-state-tax state would yield around $72,663 net — a gain of $3,576 (5.2%) per year versus Iowa.
Iowa ranks #28 of 48 states for Clinical and Counseling Psychologists after-tax pay — lower half of the national distribution. Either gross wages trail the national median, state tax is elevated, or both.
Translated into paycheck cadences, $69,087 net/year works out to $5,757/month or $2,657/bi-weekly for this Clinical and Counseling Psychologists in Iowa — the numbers that actually hit a checking account after every deduction.
Where does a Clinical and Counseling Psychologists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Iowa ranks #28 out of 48 states for Clinical and Counseling Psychologists after-tax take-home pay.
A Clinical and Counseling Psychologists in Iowa earning a median salary of $91,690 will take home approximately $69,087 per year after federal income tax ($12,012), state income tax ($3,575), and FICA ($7,014). That is $5,757 per month or $2,657 per bi-weekly paycheck.
The effective total tax rate for a Clinical and Counseling Psychologists in Iowa is 24.7%, broken down as: federal income tax 13.1%, Iowa state tax 3.9%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
Iowa has a 3.9% flat rate. On a Clinical and Counseling Psychologists's median salary of $91,690, the state income tax amounts to $3,575 per year, which is an effective state rate of 3.9%.
After all taxes, a Clinical and Counseling Psychologists in Iowa takes home approximately $5,757 per month, or about $33.21 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $91,690 for Clinical and Counseling Psychologists in Iowa, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Iowa state income tax (3.9% flat rate), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $69,087/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR