How to File Your Mississippi Tax Return for 2020: A Step-by-Step Guide

Filing your Mississippi tax return for 2020 is essential for residents, part-year residents, non-residents with Mississippi income, and small business owners. Completing this process accurately and on time ensures compliance with state requirements and helps avoid costly penalties or interest charges. Filing also supports the efficient collection of tax revenues, which fund critical public services such as schools, infrastructure, and healthcare programs across the state. Beyond compliance, timely filing ensures eligible taxpayers can access refunds, credits, and deductions without unnecessary delays or complications.

This guide explains how to file your 2020 Mississippi tax return, from determining eligibility to tracking the status of your refund. Whether you are filing as an individual, a sole proprietor, or representing a small business, the information provided is designed to simplify the process. The content is presented in a beginner-friendly format, breaking down each step clearly to make the experience more manageable. With the proper preparation, you can confidently complete your return and reduce the stress associated with tax season.

Mississippi taxpayers also faced unique circumstances in 2020, including deadline extensions and notable income exclusions introduced in response to the COVID-19 pandemic. These adjustments, alongside updated tax rates, new deduction opportunities, and credit provisions, made filing requirements slightly different from previous years. This article addresses those changes and offers practical tips for navigating them successfully. By following the guidance carefully, you can ensure your paperwork is filed accurately, avoid penalties, and fully comply with state tax regulations while maximizing potential benefits.

Overview of Mississippi State Income Tax for 2020

Mississippi’s income tax system is key to how state and local governments fund essential services, from education to infrastructure. The Mississippi Department of Revenue is responsible for administering this system, overseeing compliance, and ensuring all required taxes administered under state law are filed and paid on time. The income tax program generates a substantial portion of the state’s tax revenues, which are allocated to programs that directly benefit residents.

Who Needs to File

You are required to file a Mississippi income tax return for 2020 if you:

We are a full-year Mississippi resident with income above the filing threshold.
You're a part-year resident or non-resident who earned income from Mississippi sources.
Withhold Mississippi income tax from your wages, except for income from gambling in Mississippi.
Represent a deceased taxpayer who had a filing obligation.

Filing Deadlines and COVID-19 Extensions

In response to the pandemic, Mississippi extended the 2020 filing deadlines:

The original April 15, 2020, deadline was extended to May 15, 2020.
A subsequent extension moved the due date for returns and first- and second-quarter estimated payments to July 15, 2020.

These changes affected individual income tax returns, corporate and franchise tax returns, and fiduciary income tax returns. They gave taxpayers more time to pay their taxes without incurring extra penalties.

Key Changes Affecting 2020 Returns

COVID-19 Income Exclusions—Loans, grants, and other relief payments under the CARES Act and Mississippi relief programs were excluded from taxable income.
Adjusted Tax Rates—Continued phase-out of the 3% bracket, with updated income thresholds.
Credit and Deduction Updates – Extensions to certain credits, including historic rehabilitation and broadband deployment incentives.

Mississippi Tax Rates, Deductions, and Credits

The income tax system in Mississippi for 2020 had progressive tax brackets that were meant to be fair to taxpayers and bring in money. The state's taxes pay for education, public safety, and other services that the state and local governments offer. Property-related ad valorem assessments—used to determine local property taxes—are monitored to ensure consistent appraisal practices statewide, supporting equitable taxation across communities.

2020 Income Tax Brackets and Rates

For the 2020 tax year, Mississippi continued its multi-year phase-out of the 3% bracket:

First $3,000 of taxable income – 0%
Next $2,000 – 3%
Next $5,000 – 4%
Any amount over $10,000 – 5%

Standard Deduction Amounts

The standard deduction lets taxpayers reduce taxable income without itemizing expenses:

Single or Married Filing Separately – $2,300
Head of Family – $3,400
Married Filing Jointly or Qualifying Widow(er) – $4,600

Common Itemized Deductions

If your eligible expenses exceed the standard deduction, itemizing may reduce your taxable income further. Common deductions include:

Mortgage interest
Charitable contributions
Medical costs exceeding allowable thresholds
Specific state and local taxes paid

Available Credits

Mississippi offers various tax credits to lower your total tax liability, such as

Historic Rehabilitation Credit
Charitable Contribution Credits
Child Adoption Credit (up to $5,000)
Broadband Technology Deployment Credit

These deductions and credits can significantly impact your final tax bill, so reviewing eligibility carefully before filing is essential.

Required Mississippi Tax Forms

The Mississippi Department of Revenue provides a range of forms for individuals, small businesses, and non-residents who need to file their income tax returns in the state. Choosing the correct forms ensures your submission is processed accurately and on time. Depending on your income sources, residency status, and business activities, you may also need to report on various taxes related to motor vehicles or other taxable property.

Primary Individual Income Tax Forms:

Form 80-105 is the Mississippi Resident Individual Income Tax Return.
Form 80-205 is the tax return for non-residents and part-year residents.
Form 80-106 is a voucher for paying income tax for individuals and fiduciaries.
Form 80-107 – Income/Withholding Tax Schedule.
Form 80-108 – Itemized Deduction Schedule.

The Mississippi Department of Revenue’s Individual Income Tax Forms page has all official Mississippi tax forms available for download.

Supporting Schedules and Additional Forms

Schedule A: Itemized Deductions.
Schedule B: Interest and Dividend Income.
Schedule N: Other Income/Loss & Supplemental Income.
Form 80-160: Credit for Income Tax Paid to Another State.
Form 80-401: Tax Credit Summary Schedule.
Form 80-320: Interest and Penalty Worksheet.

Small Business and Sole Proprietor Forms

Small business owners generally report their business income on their returns. Federal forms that must be attached include:

Schedule C: Profit or Loss from Business.
Schedule E: Supplemental Income and Loss.
Schedule F: Profit or Loss from Farming

All official Mississippi tax forms can be downloaded from the Mississippi Department of Revenue’s website. Be sure to use the correct version of the year to avoid processing delays.

Step-by-Step Guide to Filing Your Mississippi Tax Return

If you break up your Mississippi tax return into steps, it will be easier to finish. Following each step carefully will help you avoid mistakes and ensure your application is processed on time, whether you plan to e-file or send in a paper form.

Step 1: Gather Required Documents

Before you begin, collect all records you’ll need to prepare your return:

W-2 forms from employers.
1099 forms for freelance, interest, or dividend income.
Documentation of any estimated tax payments made.
Your federal tax return for 2020.
Social Security numbers for yourself, your spouse, and dependents.

Step 2: Choose the Correct Form

Use Form 80-105 if you were a full-year resident.
Use Form 80-205 if you were a part-year or nonresident with Mississippi-source income.

Step 3: Enter Personal and Dependent Information

Fill in your name, address, Social Security number, and county code. Indicate your filing status and list dependents, including their Social Security numbers.

Step 4: Calculate Adjusted Gross Income

Report all income sources, including wages, self-employment earnings, and investment income. Subtract allowable adjustments, such as IRA contributions or alimony paid, to arrive at your Mississippi adjusted gross income.

Step 5: Determine Deductions

Decide whether to claim the standard deduction or itemize. Compare both methods to determine which results in lower taxable income.

Step 6: Apply Credits and Compute Your Tax

Subtract eligible credits from your tax liability. Common credits include those for income tax paid to another state and various business-related credits.

Step 7: Review and Finalize Your Return

Double-check all entries for accuracy.
If filing on paper, sign and date the return.
If you e-file or use online filing, follow the software’s final submission steps and retain the electronic confirmation for your records.

Following these steps will help ensure that your tax returns are accurate, complete, and submitted on time.

Filing Options for Your Mississippi Tax Return

People who live in Mississippi can file their taxes online or on paper. Your choice may depend on how quickly you want your return processed, how comfortable you are with technology, and whether you work with a tax professional.

Electronic Filing (E-File)

Benefits:

Faster processing and refunds, often within 3–4 weeks.
Built-in error checking to reduce mistakes.
Electronic confirmation that your return was received.
There is an option available for direct deposit of your tax refund.

How to E-File:

Through a Tax Professional: Many preparers are authorized to e-file Mississippi returns and can ensure compliance with all state requirements.
Using Approved Online Software: The Mississippi Department of Revenue's website lists approved providers, such as TurboTax, H&R Block, and TaxAct.
E-file for free through IRS Free File: Eligible taxpayers can file their federal and Mississippi returns at no cost using approved online tools.

Paper Filing

Benefits:

Suitable for taxpayers who prefer hard copies or have limited internet access.
Allows you to attach physical supporting documents directly.

How to Paper File:

Complete your return in blue or black ink.
Sign and date the form.
Attach all required schedules, forms, and supporting documents correctly.
Mail to the appropriate address based on whether you are due a refund or making a payment.

Choosing the correct method—online filing for speed or paper filing for preference—will help ensure your return is processed smoothly.

How to Make a Payment

The state offers several convenient payment options if your Mississippi tax return shows you owe money. Timely payment helps you avoid penalties and interest while ensuring you support state programs and services funded through tax collections.

Online Payments via Taxpayer Access Point (TAP)

Visit the Mississippi Department of Revenue’s TAP portal.
Make a payment directly from your bank account without creating a login.
Receive instant confirmation once your payment is processed.
This is the fastest and most secure method to submit your payment.

Payment by check or money order

Fill out Form 80-106, which is a payment voucher.
Make checks or money orders payable to “Mississippi Department of Revenue.”
Write your Social Security number on the payment to ensure proper credit.
Mail the correct address in the tax booklet or the department’s website.

Installment Agreements

If you cannot pay in full, you may qualify for an installment plan if your balance is $75 or more.
Complete Form 71-661 (Installment Agreement Request) and submit it with your return or payment voucher.
Know that interest and penalties will add up until the full amount is paid.

Paying your balance in full or setting up a plan promptly can also prevent the state from delaying any future refund you might be owed.

Tracking Your Refund or Balance Due

Once your Mississippi tax return is filed, you can easily check the status of your refund or determine if you still owe a balance. The Mississippi Department of Revenue provides both online and phone-based tools to keep taxpayers informed.

Online Refund Tracking

Visit the Department of Revenue website and select “Where’s My Refund?”
Please enter your Social Security number and the amount you expect to get back.
The system provides real-time updates on the status of your return and payment.

Phone Options

Call 601-923-7801 to get an automated refund.
When you call, be ready with your Social Security number and refund amount.

Processing Times

E-filed returns with direct deposit are typically processed within 3–4 weeks.
It can take 8 to 10 weeks or longer for paper returns to be processed.
There may be delays during busy filing times or if your return needs more review.

By monitoring your refund or balance due, you can plan your finances more effectively and address any issues promptly.

Final Filing Checklist

Before you file your Mississippi tax return, take a few moments to verify that everything is accurate and complete. This simple step can prevent delays, rejections, or unnecessary penalties.

Verify personal information. Ensure all names, addresses, and Social Security numbers are correct for you, your spouse, and any dependents.
Attach required forms and schedules. Include W-2s, 1099s, and any Mississippi schedules or credit forms relevant to your filing.
Check your math. Confirm that all calculations are accurate, from adjusted gross income to final tax owed or refund due.
Sign and date the return. Both spouses must sign if filing jointly.
Include payment if required. Attach Form 80-106 and your check or money order, or confirm your electronic payment has been submitted.
Use the correct mailing address. For refunds or payments, send paper returns to the appropriate address.
Keep copies for your records. Store digital or paper copies of your complete return and supporting documentation for future reference.

Completing this checklist before you submit your return can save you time and frustration later in the filing process.

Frequently Asked Questions

How to File Your Mississippi Tax Return if You Are a First-Time Filer

If you are filing a Mississippi tax return for the first time, start by gathering your W-2s, 1099s, or any other income records. Choose the correct form and decide whether to e-file or mail a paper return. Carefully follow the Mississippi Department of Revenue’s instructions, attach all required schedules, and submit your return before the deadline. E-filing is strongly encouraged because it speeds up processing, reduces errors, and ensures faster refunds for eligible taxpayers.

When Should I Contact the Department of Revenue About My Return?

You should contact the Mississippi Department of Revenue if your refund takes longer than the typical processing window, if you receive a letter requesting more details, or if you have trouble understanding a tax notice. Ensure you have your Social Security number, tax year, and any correspondence available before calling. Providing this information quickly will help the department resolve your concerns faster and ensure your account is updated accurately.

What If I Missed the 2020 Filing Deadline?

If you missed Mississippi’s extended 2020 filing deadline of July 15, it’s essential to file your return as soon as possible to reduce penalties and interest. The state charges a penalty of 5% of unpaid taxes for each month late, up to a maximum of 25%, plus daily interest. Even if you cannot pay in full, filing promptly minimizes added costs. You may also contact the Department of Revenue to discuss available payment options.

How Do I Track My Mississippi Tax Refund?

Mississippi offers two convenient ways to check your refund status. You can use the online “Where’s My Refund?” tool on the Department of Revenue’s website, which provides up-to-date information on your return’s progress. Another option is to call the automated refund hotline. In both cases, you’ll need your Social Security number and the exact refund amount. Having this information ready ensures you receive accurate, real-time updates about when to expect your refund.

What Deductions Are Most Commonly Missed in Mississippi?

Many Mississippi taxpayers overlook deductions that could reduce their state tax bill. These include contributions to the state’s 529 college savings plan, exemptions for certain National Guard or Reserve income, and deposits into first-time home buyer savings accounts. Reviewing the Department of Revenue’s instructions carefully before filing helps ensure you claim every deduction you qualify for. Keeping receipts and records throughout the year also makes it easier to maximize savings when filing your return.