The Short Answer
Learn how tax-free stipends work, the IRS rules, and how to keep your travel nurse stipends compliant.
Read the full breakdown below for detailed analysis, examples, and actionable steps.
Stipend basics
Understanding Tax-Free Stipends for Travel Nurses
Tax-free stipends can dramatically boost take-home pay—but only if you meet IRS requirements. Here’s how stipends work and how to keep them compliant.
What Counts as a Tax-Free Stipend?
- Housing stipend (within GSA lodging limits)
- Meals & incidentals (within GSA M&IE limits)
IRS Requirements
- Maintain a tax home.
- Keep assignments temporary.
- Duplicate living expenses.
- Stay within GSA limits.
FAQ
What if my stipend exceeds GSA limits?
The excess becomes taxable wages.
Do I need receipts?
Keep housing documentation and proof of tax-home expenses.
Final Takeaway
Tax-free stipends are a major advantage—if you stay compliant. Focus on tax home, duplicate expenses, and GSA limits.
Estimate your stipend impact
Use the calculator to compare taxable wages vs. stipends.
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