SOC 29-1171

Nurse Practitioner Salary in Waterloo-Cedar Falls, IA (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + IA
COL Index: 90.14 (-9.9% vs US)
Net Compensation Yield 69.6% Realized
$87,930 / net annual direct deposit
Gross Adjusted $126,330 $60.74/hr
Effective Tax Drag 24.4% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$30,820 $1,185.38/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $60.74 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,580/yr)
0% Tax Shield: ~$1,668/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$17,295
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$7,832
Medicare Hospital Insurance
Statutory 1.45%
-$1,832
Iowa Individual Income Tax
State Marginal Bracket
-$3,861
Net Take-Home Annual Realized
$87,930 ($3,381.93 / check)
Category 2 of 6

Waterloo-Cedar Falls, IA Nurse Practitioner Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $126,330
MIDDLE 50% (IQR RANGE) 10th $104k 25th $118k Median: $126,330 50th (Median) $126k 75th $136k 90th $172k You: $126,330
10th (Entry) $104,330 $50.16/hr
25th (Junior) $117,520 $56.50/hr
50th (Median) $126,330 $60.74/hr
75th (Senior) $136,260 $65.51/hr
90th (Lead/Master) $172,420 $82.89/hr
Career Progression & Licensing Milestones for Nurse Practitioner in Waterloo-Cedar Falls, IA
1
Novice Nurse Practitioner (Outpatient)Master of Science in Nursing (MSN) or DNP, Board Certification (AANP/ANCC), State APRN license
$103,127$49.58/hr · 0-2 Years
2
Clinical Specialty Nurse PractitionerSpecialty board credentials (FNP, AGACNP, PMHNP), independent prescriptive authority
$120,563$57.96/hr · 2-5 Years
3
Lead / Senior Nurse PractitionerDepartmental leadership, advanced clinical protocols, multidisciplinary clinical management
$138,457$66.57/hr · 5-8 Years
4
Director of Advanced Practice NursingExecutive clinical leadership, health system APRN governance, doctorate in nursing practice
$160,419$77.12/hr · 8+ Years
Scaled to the Waterloo-Cedar Falls, IA medianView National Nurse Practitioner Salary Data
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Waterloo-Cedar Falls, IA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
11% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $838/month Requires minimum annual gross of $33,520
HUD Fair Market Rent (2-Bedroom) $1,096/month Requires minimum annual gross of $43,840
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $19.94/hr
Per adult, 2 working adults + 1 child: $18.73/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Waterloo-Cedar Falls, IA.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$126,330-$30,820$87,930$3,381.93
+5h Overtime/Wk45 hrs$150,017-$38,761$102,255$3,932.88
+10h Overtime/Wk50 hrs$173,704-$46,763$116,519$4,481.49
+15h Overtime/Wk55 hrs$197,391-$53,965$131,582$5,060.83
+20h Overtime/Wk60 hrs$221,078-$60,688$147,124$5,658.63
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Nurse Practitioner in Waterloo-Cedar Falls, IA: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Iowa tax codes.

Market Baseline
$126,330/yr
$60.74/hr · SOC 29-1171
Statutory Tax Drag
24.4% Effective
-$30,820 in Total Taxes
HUD 1BR Shelter Ratio
11% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$6,490/mo
Post-$838/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 29-1171
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Nurse Practitioner in Waterloo-Cedar Falls, IA: Market Snapshot

Nurse Practitioner roles in Waterloo-Cedar Falls, IA report a median annual wage of $126,330, 4.5% below the national median of $132,300. The 10th to 90th percentile band runs from $104,330 to $172,420, and HUD’s $838 monthly one-bedroom fair market rent equals 8.0% of that median gross pay. The single-adult living wage benchmark for the area is $19.94 per hour.

Highest-paying metropolitan areas for Nurse Practitioner

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$231,560+83.3%
San Francisco-Oakland-Fremont, CA$219,080+73.4%
Vallejo, CA$182,370+44.4%
Napa, CA$176,270+39.5%
Modesto, CA$173,380+37.2%
Sacramento-Roseville-Folsom, CA$172,010+36.2%
Riverside-San Bernardino-Ontario, CA$169,920+34.5%
Hanford-Corcoran, CA$168,540+33.4%
Santa Cruz-Watsonville, CA$167,190+32.3%
Chico, CA$167,080+32.3%

Top-paying occupations benchmarked in Waterloo-Cedar Falls, IA

OccupationMedian annual wageMedian hourly
Chief Executives$199,010$95.68/hr
Architectural and Engineering Managers$140,340$67.47/hr
Physician Assistant$132,880$63.88/hr
Computer and Information Systems Managers$132,210$63.56/hr
Human Resources Managers$125,970$60.56/hr
Financial Manager$125,690$60.43/hr
Sales Managers$125,050$60.12/hr
Marketing Managers$114,940$55.26/hr
Software Engineer$113,970$54.79/hr
Solutions Architect$107,660$51.76/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 383 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Nurse Practitioner Salary in Waterloo-Cedar Falls, IA (2026) Overview

Nurse Practitioner median pay in Waterloo-Cedar Falls, IA is $126,330 a year ($60.74/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for Nurse Practitioner in Waterloo-Cedar Falls, IA compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for a Nurse Practitioner in Waterloo-Cedar Falls, IA?

The median annual wage is $126,330 ($60.74 per hour). The middle 80% of earners make between $104,330 and $172,420. Source: BLS OEWS (May 2025).

What is the take-home pay for a Nurse Practitioner in Waterloo-Cedar Falls, IA after taxes?

On the median wage of $126,330, a single filer with no pre-tax deductions takes home about $93,464 a year ($7,789 a month) after $32,866 in federal, FICA, state and local taxes, an effective rate of 26.02%, using 2026 tax rules.