Stipends, multi-state filing, and the deductions most travel nurses miss. Know exactly what you owe before April.
Travel nurses have some of the most complex — and most rewarding — tax situations. Here are the top deductions to claim.
State nursing licenses, BLS/ACLS renewals, specialty certs. Average $200–$800/year.
67¢/mile to drive to your temporary assignment. 500 miles = $335 deduction.
Work-specific clothing not worn outside of work. Average $300–$600/year.
Stethoscopes, scissors, pens, and tools you purchase yourself.
Nursing conferences, online courses, specialty education.
Malpractice insurance premiums paid out of pocket.
ANA membership, specialty org dues, union fees.
If you use your phone for work communication, deduct the business percentage.
CPA or tax software fees for multi-state returns.
If you have 1099 income, contribute up to 25% of net earnings. Save $5,000+/year in taxes.
The most expensive mistake. If you give up your permanent residence to travel full-time, all stipends become taxable. Maintain proof of your home state address.
Working in 3 states means 3 non-resident returns plus your home state. Missing one triggers penalties and interest.
Drive from your tax home to your assignment? That mileage is deductible. Many nurses miss $500–$2,000 in deductions.
With 1099 income, a SEP-IRA lets you shelter 25% of net earnings. A nurse earning $40K in 1099 income could save $2,750+ in taxes.
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Housing stipends are tax-free only if you maintain a legitimate tax home and your assignment is temporary (under 1 year). Without a permanent tax home, all stipends are taxable income.
Yes. You must file a non-resident return in every state where you earned income, plus a resident return in your home state.
A tax home is your regular place of business or your main place of residence. You must maintain ongoing expenses there (rent, mortgage, utilities) and return regularly.
For 1099 income, set aside 25–30% of net earnings. W2 travel nurses typically have federal taxes withheld, but may owe additional state taxes.
W2 nurses usually have expenses reimbursed by agencies. If you have 1099 income, you can deduct mileage at 67¢/mile, flights, and lodging for business travel.
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