Des Moines vs Waterloo leftover
Moving to Waterloo costs you $144 a month
$2,763/mo leftover in Waterloo vs $2,907 in Des Moines after tax and rent ($144 less). −$1,728 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Des Moines leftover
$2,907
a month after tax and rent
Waterloo leftover
$2,763
−$144 vs Des Moines
Compare Des Moines to another metro
Same paycheck. Try a different city next to Des Moines.
Monthly gap
Des Moines → Waterloo
$144
less / month in Des Moines
$2,763 in Waterloo · $2,907 in Des Moines · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 160 households moved Des Moines → Waterloo (avg AGI $53,794). 346 went the other way. The whole move →
−$144 / mo
| Per month | Des Moines | Waterloo | Difference |
|---|---|---|---|
| Gross pay | $7,500 | $6,875 | −$625 |
| Income and payroll tax | $1,764 | $1,555 | −$209 |
| Take-home pay | $5,736 | $5,320 | −$416 |
| Rent | $991 | $788 | −$203 |
| Getting around | $533 | $510 | −$23 |
| Groceries | $360 | $347 | −$13 |
| Healthcare | $405 | $391 | −$14 |
| Utilities | $225 | $217 | −$8 |
| Everything else | $315 | $304 | −$11 |
| Left over | $2,907 | $2,763 | −$144 |
To break even in Waterloo, you'd need to earn
$85,000
Household gross, versus $90,000 today. That's the salary that leaves you exactly as much at the end of the month as Des Moines does now.
The tax difference alone
+$285
A year, in state and local income tax. Effective rates: 23.5% in Des Moines, 22.6% in Waterloo.
More about Waterloo
Des Moines, IA in full
Insurance-sector wages against the lowest housing costs on this list.
Waterloo, IA in full
A flat 3.8% state income tax, a median 2-bedroom asking rent of $938 and 204 sunny days; commutes average 17 minutes.
The reverse move
Same two cities, but starting from Waterloo on Waterloo wages.
Waterloo → Des Moines →Questions
Is the cost of living lower in Waterloo than Des Moines?
A one-bedroom is about $991 in Des Moines versus $788 in Waterloo. On a one-adult, one-bedroom household, leftover is about $144 a month lower in Waterloo. Change the job or household on the comparison to see your number.
Does Waterloo have state income tax?
Waterloo is in Iowa, which taxes wage income.
What changes if you move from Des Moines to Waterloo?
Take-home pay is recalculated under Iowa tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Des Moines and Waterloo moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.