Last updated: 2025 BLS data · Page refreshed:
How much does a Heating, Air Conditioning, and Refrigeration Mechanics and Installers actually take home in Iowa?
3.9% flat rate — 20.3% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Heating, Air Conditioning, and Refrigeration Mechanics and Installers earning $60,680 in Iowa (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $60,680 | — |
| Federal Income Tax | -$5,297 | 8.7% |
| Iowa State Income Tax | -$2,366 | 3.9% |
| Social Security (OASDI) | -$3,762 | 6.2% |
| Medicare | -$879 | 1.5% |
| Total Taxes | -$12,306 | 20.3% |
| Take-Home Pay | $48,373 | 79.7% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Iowa.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $43,040 | -$8,151 | $34,888 | 18.9% |
| 25th Percentile (P25) | $48,540 | -$9,447 | $39,092 | 19.5% |
| Median (P50) | $60,680 | -$12,306 | $48,373 | 20.3% |
| 75th Percentile (P75) | $75,950 | -$17,322 | $58,627 | 22.8% |
| 90th Percentile (P90) | $86,280 | -$20,787 | $65,492 | 24.1% |
After federal income tax ($5,297), state tax ($2,366), and FICA ($4,642), a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Iowa takes home $48,373 per year — or $4,031 per month. The effective tax rate of 20.3% is relatively low compared to the national range.
With an effective total rate of 20.3%, a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Iowa keeps $48,374 of $60,680 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 Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary that contributes $2,367 to the 3.9% effective state-tax burden.
Federal tax on this Heating, Air Conditioning, and Refrigeration Mechanics and Installers salary is $5,298 (43%), but combined state ($2,367, 19%) + FICA ($4,642, 38%) make up the other 57% of the bill.
A Heating, Air Conditioning, and Refrigeration Mechanics and Installers earning this gross in a no-income-tax state (e.g., Texas, Florida) would take home approximately $50,740 — only $2,367 (4.9%) more than in Iowa.
Iowa ranks #27 of 51 states for Heating, Air Conditioning, and Refrigeration Mechanics and Installers 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, $48,374 net/year works out to $4,031/month or $1,861/bi-weekly for this Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Iowa — the numbers that actually hit a checking account after every deduction.
Where does a Heating, Air Conditioning, and Refrigeration Mechanics and Installers keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Iowa ranks #27 out of 51 states for Heating, Air Conditioning, and Refrigeration Mechanics and Installers after-tax take-home pay.
A Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Iowa earning a median salary of $60,680 will take home approximately $48,373 per year after federal income tax ($5,297), state income tax ($2,366), and FICA ($4,642). That is $4,031 per month or $1,860 per bi-weekly paycheck.
The effective total tax rate for a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Iowa is 20.3%, broken down as: federal income tax 8.7%, Iowa state tax 3.9%, and FICA (Social Security + Medicare) 7.7%. This assumes a single filer with the standard deduction for 2024.
Iowa has a 3.9% flat rate. On a Heating, Air Conditioning, and Refrigeration Mechanics and Installers's median salary of $60,680, the state income tax amounts to $2,366 per year, which is an effective state rate of 3.9%.
After all taxes, a Heating, Air Conditioning, and Refrigeration Mechanics and Installers in Iowa takes home approximately $4,031 per month, or about $23.26 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 $60,680 for Heating, Air Conditioning, and Refrigeration Mechanics and Installers 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 — $48,373/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