Here’s the Average IRS Tax Refund Amount by State

Generally, the sooner you file your taxes, the sooner you’ll see your refund in the bank (and it reduces the chances of tax fraud). The amount that you receive — if any — depends on a number of factors, including how much of your income isn’t subject to tax withholding, how many deductions and credits you claim, and how you filled out your W-4, which is the form your employer uses to determine how much to withhold from your paycheck for income taxes.

Even if you’re a procrastinator, you’ll want to file your tax return before the April 18, 2022, tax deadline. And, if you think you’re getting a refund, you’ll want to know what to expect and how to protect it.

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What’s the Average Tax Refund?

For the 2021 filing season, which covered returns filed for the 2020 calendar year, the average federal tax refund for individuals was $2,184.

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The average tax refund also varies by state. For instance, in Pennsylvania, the average refund was just over $1,833; but, in Iowa, the average taxpayer got back $2,537. But, before you get jealous of those living in Iowa, remember that receiving a tax refund just means you made an interest-free loan to Uncle Sam, and the government is now paying you back for the extra amounts that were taken out of your paycheck.

Here’s a look at the average tax refund issued by state for 2020 fiscal year, listed from highest average refund amount to lowest:

State Number of Individual Refunds Issued Amount of Internal Revenue Refunds Issued (thousands of dollars) for Individual Returns Average Refund Issued Per Return
Iowa 2,875,415 $7,295,298 $2,537
Texas 25,632,370 $63,950,158 $2,495
New Jersey 8,194,591 $20,398,201 $2,489
Connecticut 3,283,302 $7,975,563 $2,429
Illinois 11,699,465 $28,161,525 $2,407
New York 18,812,564 $45,132,743 $2,399
Nebraska 1,757,439 $4,096,157 $2,331
Utah 2,628,352 $6,053,920 $2,303
Delaware 924,315 $2,123,294 $2,297
Minnesota 5,194,591 $11,780,379 $2,268
Wyoming 536,349 $1,215,865 $2,267
Tennessee 6,445,546 $14,484,899 $2,247
South Dakota 824,734 $1,852,134 $2,246
Nevada 2,990,054 $6,612,205 $2,211
North Carolina 9,426,456 $20,820,508 $2,209
Kansas 2,595,526 $5,727,545 $2,207
Missouri 5,714,870 $12,604,001 $2,205
North Dakota 702,918 $1,547,583 $2,202
Oklahoma 3,479,093 $7,616,657 $2,189
Michigan 9,468,772 $20,709,878 $2,187
Alaska 670,931 $1,460,763 $2,177
Louisiana 4,284,428 $9,300,073 $2,171
Colorado 5,241,277 $11,293,726 $2,155
Wisconsin 5,528,194 $11,908,954 $2,154
Florida 20,865,834 $44,596,014 $2,137
Massachusetts 6,441,198 $13,763,719 $2,137
Georgia 9,414,855 $20,099,175 $2,135
Virginia 7,576,173 $15,996,444 $2,111
Washington 6,953,923 $14,645,411 $2,106
California 33,888,281 $71,328,348 $2,105
Indiana 6,361,193 $13,344,518 $2,098
Mississippi 2,759,027 $5,775,248 $2,093
Arkansas 2,719,683 $5,661,531 $2,082
Idaho 1,565,270 $3,246,064 $2,074
Rhode Island 1,071,668 $2,211,439 $2,063
Ohio 11,421,812 $23,521,345 $2,059
Kentucky 4,208,026 $8,665,358 $2,059
Hawaii 1,351,630 $2,758,770 $2,041
Alabama 4,486,177 $9,095,455 $2,027
Arizona 6,292,616 $12,742,130 $2,025
Maryland 5,466,280 $11,052,087 $2,022
New Hampshire 1,349,955 $2,700,977 $2,001
South Carolina 4,659,125 $9,244,586 $1,984
West Virginia 1,712,640 $3,388,217 $1,978
New Mexico 1,930,169 $3,784,053 $1,960
Vermont 637,795 $1,224,401 $1,920
Maine 1,341,073 $2,558,472 $1,908
Montana 1,008,528 $1,921,462 $1,905
Oregon 3,881,349 $7,356,777 $1,895
Pennsylvania 14,477,573 $26,537,905 $1,833
Make Your Money Work

In past years, the IRS would issue most tax refunds within 21 days; however, the agency has taken longer to process all mailed items during the COVID-19 pandemic, and the IRS has warned that there could be delays again this year. Certain other things can delay the processing of your refund, including the following:

  • Incomplete returns
  • Returns with errors
  • Returns affected by identity theft or fraud
  • Returns with claims for the earned income tax credit or additional child tax credit
  • Returns with Form 8379, injured spouse allocation, which can take up to 14 weeks to process

Within 24 hours of e-filing, or four weeks of filing by mail, you can visit the IRS “Where’s My Refund” site to check the IRS refund schedule and the status of your refund. Information on the site is updated daily, typically overnight.

What to Do With Your Refund

In a 2022 GOBankingRates survey, 37 percent of respondents said they would put their tax refund toward paying off debt. Once you get your refund, it might be tempting to treat yourself and spend it. But paying down or paying off debts is a smarter choice — if you pay off a credit card, for example, you can reduce your credit utilization ratio and bump up your credit score.

Make Your Money Work

Other financially sound options for your tax refund include:

  • Padding your emergency fund
  • Contributing to a retirement plan
  • Improving the value of your home by tackling home renovations
  • Making charitable contributions that you can deduct from your next return
  • Investing the money in stocks or CDs
  • Investing in yourself with a fitness or certification program

Remember that you don’t have to make an “all-or-nothing” choice with your refund; you can tuck most of it away in investments or home improvements, for example, but still treat your family to a night out with a small portion of your refund.

More From GOBankingRates

George Malone contributed to the reporting for this article.

Methodology: In order to discover the average IRS tax refund amount by state, GOBankingRates used the Internal Revenue Service’s (IRS) “SOI Tax Stats – State Data FY 2020” (the latest data available) to find (1) individual income tax and employment tax refunds issued and (2) individual income tax and employment tax total refunds issued in USD. With these two figures isolated for all 50 states, GOBankingRates only had to divide the two to find (3) the average tax refund amount for every state. All data was collected on and up to date as of Feb. 10, 2022.

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About the Author

Michael Keenan is a writer based in the Kansas City area, specializing in personal finance, taxation, and business topics. He has been writing since 2009 and has been published by Quicken, TurboTax and The Motley Fool.
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