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Iowa taxpayers can get a state tax deduction for contributing up to $6,100 (single) or $12,200 (joint) a year, generally only for the in-state plan. Here are the facts on Iowa's direct-sold 529 plan (the one you open yourself, without an advisor).
Iowa Code § 422.7(22) permits a deduction for contributions to the Iowa educational savings plan trust up to the maximum annual amount. Iowa Code § 12D.3(1) provides for the maximum annual contribution amount that may be deducted. The maximum annual deduction for20242025 is $5,500800 per beneficiary. This amount is indexed for inflation. 5-3 Kansas Yes Yes Kansas provides an annual deduction of up to $3,000 for individual filers or $6,000 for a married couple filing a joint return.
Summary of state law from the ICI 2025 state tax survey; it may predate 2026 changes.
2026 limits and parity: Savingforcollege. Manager, fees and minimum: only when stated on the plan's homepage text we read (2026-10-12); otherwise 'not found'. Check the plan's disclosure document for exact fees.
Yes: a deduction for up to $6,100 (single) / $12,200 (joint) of contributions in 2026
No. You can use any state's plan; you may lose your state's tax break if your state doesn't offer tax parity.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.