Filing for divorce in Iowa? Called "dissolution of marriage," your case will be either uncontested (you and your spouse agree on everything) or contested (disputes remain on major issues). Iowa requires a 90-day waiting period, but uncontested cases can often finalize shortly after that period ends. Understanding how to save money on divorce starts with choosing the right approach for your situation.
Iowa is a pure no-fault state. The only ground for divorce is that the "marriage has broken down" such that the legitimate objects of matrimony are destroyed and there is no reasonable likelihood the marriage can be preserved. Residency requirements depend on where your spouse lives—if they're in Iowa, you can file immediately; otherwise, you need one year of Iowa residency.
Quick Comparison: Uncontested vs Contested
| Factor | Uncontested | Contested |
|---|---|---|
| Agreement | Both parties agree on all issues | One or more issues disputed |
| Timeline | 3-5 months typical | 9-18+ months |
| Total Cost | $300-$3,000 | $7,500-$30,000+ |
| Court Hearings | Brief hearing or affidavit approval | Multiple hearings, trial likely |
| Attorney Needed? | Optional (DIY possible) | Highly recommended |
What is an Uncontested Divorce in Iowa?
An uncontested divorce means you and your spouse agree on all major issues including property division, debts, spousal support, and (if applicable) child custody and support. Iowa allows a decree without live testimony in uncontested cases with no children, default situations, or written stipulations.
Self-Help Resources
Iowa provides free self-help divorce forms through the Iowa Judicial Branch. The standardized forms include separate tracks for cases with and without children, making the process accessible for self-represented parties.
E-Filing Through EDMS
Iowa requires electronic filing through the Electronic Document Management System (EDMS). Self-represented litigants can register and e-file their documents, paying the filing fee online by card or eCheck.
What is a Contested Divorce?
A contested divorce occurs when you and your spouse disagree on one or more major issues such as child custody, parenting time, property division, or spousal support. The respondent has 20 days after service to file an Answer (60 days if served by mail).
Courts may order mediation in contested dissolution matters. The court must waive mediation when there is a history of domestic abuse. If settlement fails, the case proceeds to a bench trial where the judge decides all disputed issues. Weighing divorce battle versus mediation costs can help you understand the financial implications of each path.
Cost Comparison
Uncontested Divorce Costs
- Filing fee: $265 (statewide)
- Service of process: $40-$75 (or free with acceptance)
- Parenting class (if children): $40-$75 per person
- Attorney (optional): $500-$2,500 for document review
- Total typical range: $300-$3,000
Contested Divorce Costs
- Filing fee: $265 plus motion fees
- Attorney fees: $7,500-$30,000+ depending on complexity
- Mediation: $100-$300/hour; typically $1,500-$4,000 total
- Custody evaluation: $2,500-$7,500 if needed
- Total average: $7,500-$30,000+ per spouse
Calculate Your Estimated Divorce Costs
Use our free calculator to estimate your total Iowa divorce costs based on whether your case is uncontested or contested.
Divorce Cost Calculator
Get a personalized estimate of your potential divorce costs based on your situation and location
Your Information
Significant disagreements requiring legal help
Child custody/support decisions needed
You've agreed how to divide property
Disclaimer: These estimates are based on national averages and research data. Actual costs may vary significantly. This calculator is for planning purposes only and does not constitute legal or financial advice. Consult with qualified professionals for personalized guidance.
Timeline Comparison
Uncontested: Iowa's 90-day waiting period runs from service, publication, or acceptance of service. Most uncontested cases finalize in 3-5 months total. If the judge accepts affidavit proofs, no hearing is required. For more details, see our Iowa divorce timeline guide.
Contested: Expect 9-18 months or longer. Discovery, mediation, temporary orders hearings, custody evaluations, and trial scheduling all extend the process. Complex cases can take 2+ years.
Frequently Asked Questions
What are Iowa's residency requirements?
If your spouse lives in Iowa and is personally served in Iowa, you need not be an Iowa resident to file. If your spouse does not live in Iowa, you must have been an Iowa resident for at least one year before filing.
Can the 90-day waiting period be waived?
Yes, but only for emergency or necessity—such as health insurance needs, pregnancy, or imminent military deployment. You must file a written motion with an affidavit showing good cause.
Do I need to take a parenting class?
Yes, if your divorce involves custody or visitation issues. Both parents must complete a court-approved parenting class within 45 days of service unless waived for good cause.
Make the Right Choice
The key difference between uncontested and contested divorce is agreement. If you and your spouse can resolve all issues cooperatively, you'll save tens of thousands of dollars and finish in months rather than years. Iowa's self-help forms and EDMS e-filing make the process accessible for agreed divorces. For step-by-step guidance, see our Iowa divorce filing checklist.
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This article is for informational purposes only and does not constitute legal advice. Iowa divorce laws are complex and fact-specific. For guidance tailored to your situation, consult a licensed Iowa family law attorney. Always verify current requirements with your local Iowa District Court clerk or the Iowa Judicial Branch website.
