Last updated: 2025 BLS data · Page refreshed:
How much does a Credit Counselors actually take home in Iowa?
3.9% flat rate — 19.4% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Credit Counselors earning $48,130 in Iowa (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $48,130 | — |
| Federal Income Tax | -$3,791 | 7.9% |
| Iowa State Income Tax | -$1,877 | 3.9% |
| Social Security (OASDI) | -$2,984 | 6.2% |
| Medicare | -$697 | 1.4% |
| Total Taxes | -$9,350 | 19.4% |
| Take-Home Pay | $38,779 | 80.6% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Credit Counselors in Iowa.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $38,630 | -$7,113 | $31,516 | 18.4% |
| 25th Percentile (P25) | $43,880 | -$8,349 | $35,530 | 19.0% |
| Median (P50) | $48,130 | -$9,350 | $38,779 | 19.4% |
| 75th Percentile (P75) | $50,730 | -$9,962 | $40,767 | 19.6% |
| 90th Percentile (P90) | $60,070 | -$12,162 | $47,907 | 20.2% |
After federal income tax ($3,791), state tax ($1,877), and FICA ($3,681), a Credit Counselors in Iowa takes home $38,779 per year — or $3,231 per month. The effective tax rate of 19.4% is relatively low compared to the national range.
A Credit Counselors in Iowa faces an effective total tax rate of only 19.4%, keeping 80.6% of every gross dollar. That leaves $38,779 net out of $48,130 gross — a favorable outcome compared to states with combined rates above 30%.
Iowa applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Credit Counselors salary that contributes $1,877 to the 3.9% effective state-tax burden.
Federal tax on this Credit Counselors salary is $3,792 (41%), but combined state ($1,877, 20%) + FICA ($3,682, 39%) make up the other 59% of the bill.
A Credit Counselors earning this gross in a no-income-tax state (e.g., Texas, Florida) would take home approximately $40,656 — only $1,877 (4.8%) more than in Iowa.
Iowa sits near the bottom (#35 of 46) for Credit Counselors after-tax earnings. Relocation, negotiation, or credential stacking typically show the clearest ROI in bottom-quartile states.
Translated into paycheck cadences, $38,779 net/year works out to $3,232/month or $1,492/bi-weekly for this Credit Counselors in Iowa — the numbers that actually hit a checking account after every deduction.
Where does a Credit Counselors keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Iowa ranks #35 out of 46 states for Credit Counselors after-tax take-home pay.
A Credit Counselors in Iowa earning a median salary of $48,130 will take home approximately $38,779 per year after federal income tax ($3,791), state income tax ($1,877), and FICA ($3,681). That is $3,231 per month or $1,491 per bi-weekly paycheck.
The effective total tax rate for a Credit Counselors in Iowa is 19.4%, broken down as: federal income tax 7.9%, 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 Credit Counselors's median salary of $48,130, the state income tax amounts to $1,877 per year, which is an effective state rate of 3.9%.
After all taxes, a Credit Counselors in Iowa takes home approximately $3,231 per month, or about $18.64 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 $48,130 for Credit Counselors 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 — $38,779/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