Last updated: 2025 BLS data · Page refreshed:
How much does a Occupational Therapists actually take home in Iowa?
3.9% flat rate — 24.5% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Occupational Therapists earning $89,910 in Iowa (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $89,910 | — |
| Federal Income Tax | -$11,621 | 12.9% |
| Iowa State Income Tax | -$3,506 | 3.9% |
| Social Security (OASDI) | -$5,574 | 6.2% |
| Medicare | -$1,303 | 1.5% |
| Total Taxes | -$22,005 | 24.5% |
| Take-Home Pay | $67,904 | 75.5% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Occupational Therapists in Iowa.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $64,610 | -$13,517 | $51,092 | 20.9% |
| 25th Percentile (P25) | $75,810 | -$17,275 | $58,534 | 22.8% |
| Median (P50) | $89,910 | -$22,005 | $67,904 | 24.5% |
| 75th Percentile (P75) | $103,100 | -$26,431 | $76,668 | 25.6% |
| 90th Percentile (P90) | $109,200 | -$28,477 | $80,722 | 26.1% |
After federal income tax ($11,621), state tax ($3,506), and FICA ($6,878), a Occupational Therapists in Iowa takes home $67,904 per year — or $5,658 per month. The effective tax rate of 24.5% is relatively low compared to the national range.
With an effective total rate of 24.5%, a Occupational Therapists in Iowa keeps $67,904 of $89,910 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 Occupational Therapists salary that contributes $3,506 to the 3.9% effective state-tax burden.
Federal tax on this Occupational Therapists salary is $11,621 (53%), but combined state ($3,506, 16%) + FICA ($6,878, 31%) make up the other 47% of the bill.
Moving this same Occupational Therapists salary to a zero-state-tax state would yield around $71,411 net — a gain of $3,506 (5.2%) per year versus Iowa.
Iowa sits near the bottom (#45 of 51) for Occupational Therapists after-tax earnings. Relocation, negotiation, or credential stacking typically show the clearest ROI in bottom-quartile states.
Translated into paycheck cadences, $67,904 net/year works out to $5,659/month or $2,612/bi-weekly for this Occupational Therapists in Iowa — the numbers that actually hit a checking account after every deduction.
Where does a Occupational Therapists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Iowa ranks #45 out of 51 states for Occupational Therapists after-tax take-home pay.
A Occupational Therapists in Iowa earning a median salary of $89,910 will take home approximately $67,904 per year after federal income tax ($11,621), state income tax ($3,506), and FICA ($6,878). That is $5,658 per month or $2,611 per bi-weekly paycheck.
The effective total tax rate for a Occupational Therapists in Iowa is 24.5%, broken down as: federal income tax 12.9%, 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 Occupational Therapists's median salary of $89,910, the state income tax amounts to $3,506 per year, which is an effective state rate of 3.9%.
After all taxes, a Occupational Therapists in Iowa takes home approximately $5,658 per month, or about $32.65 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 $89,910 for Occupational Therapists 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 — $67,904/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