IRS Payment Plans And Respective IRS Mailing Addresses

BJ Lynch
Expert Contributor
Last Updated:
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  • It’s best to pay taxes on time and in full whenever possible.
  • Payment plans can help you stay current with tax debt, but fees may apply
  • Making sure that you have the correct mailing address when sending payments to the Internal Revenue Service (IRS) is a must.

Paying taxes is a mundane task that carries much weight. Though this is a routine we are accustomed to, failure to do so comes with undesirable consequences. It’s always best to stay current on all things tax-related to avoid accrued interest, late fees, or collection efforts by the IRS. Here at Solvable, we endeavor to provide you with the best platform for connecting with tax specialists capable of handling the worst of tax issues.

The Benefits of Paying Taxes on Time

Paying taxes on time can save you from a world of hurt. The IRS doesn’t take kindly to late or unpaid taxes. Whenever possible, you should pay taxes promptly to avoid facing the wrath of the IRS. The benefits of paying your taxes on time are:

  • Not having to pay additional interest or potential penalties.
  • Preventing future refunds from being affected.
  • Maintaining your ability to obtain loans.

The benefits of staying current on your taxes far outweigh the consequences associated with falling behind. Be sure to file your tax returns regardless of your ability to pay any tax debt that is owed. An IRS payment plan can help you stay in good standing with the IRS.

IRS Payment Plans

If you find you are not able to pay your taxes in full, pay what you can afford and consider using an IRS payment plan. Payment plans are subject to approval by the IRS. Let’s take a look at the information you need to know regarding IRS payment plan options.

The pay now option requires that you settle the debt in full with a single payment. There are different ways you can pay the debt. You can use direct payment from your checking account, a check, a money order, or a debit/credit card. When paying in full, there are no setup fees, penalties, or interest.

IRS Payment Plans And Respective IRS Mailing Addresses

Short-term payment plans require that you render payment in full within 120 days. You may choose to pay by direct payments from your checking account, checks, money orders, or debit/credit cards. There are no setup fees, but accrued interest and penalties will be assessed until payment of the balance has been made in full.

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Long-term payment plans with automatic withdrawals are allowed to be paid in more than 120 days. You will be required to pay via direct debit or a Direct Debit Installment Agreement (DDIA). Applicable fees for this plan are an online setup fee of $31 or a $107 setup fee to apply by phone, mail, or in person. If you qualify for low income, the setup fee will be waived. Accrued interest and penalties will be assessed until payment of the balance has been made in full.

Long-term payment plans without automatic withdrawals are allowed to be paid in more than 120 days. Payment methods you can use are direct payments from your checking account, checks, money orders, or a debit/credit card. The application fees for this plan varies by how you apply. The online setup fee is $149. If applying by phone, mail, or in person, the setup fee is $225. No matter how you apply, if you qualify for low income, the fee will $43 and could be reimbursed if conditions are met. Accrued interest and penalties will be assessed until payment of the balance has been made in full.

Fees also apply when changing existing payment plans. If you are applying online, by phone, mail, or in person to change plans that are not directly paid from your checking account, there is a fee of $43 that could be reimbursed if conditions are met. If you are applying online, by phone, by mail or in person to change plans that are paid via a DDIA, there are no fees.

Researching to see if you can qualify for these IRS payment plans can be performed on your own. We suggest using Solvable to find a tax professional that is well versed in resolving tax problems. Take the time to gain an explicit understanding of your situation so you can make the decisions best suited to paying off your tax debt.

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IRS Addresses Associated With Making Payments

If you choose to make payments to the IRS by mail using a check or a money order, it is of the utmost importance to know the correct address for mailing the payments. If you are using the 1040-V tax form to make payments on a tax balance or you are required to pay estimated taxes using the 1040-ES tax form the addresses will be different depending on the form and your respective location of residence. These addresses are as follows:

  • Residents of Mississippi, Louisiana, Texas, or Florida mail payments to:
    • 1040-V tax form:
      • Internal Revenue Service P.O Box 1214 Charlotte, NC 28201-1214
    • 1040-ES tax form:
      • Internal Revenue Service P.O Box 1300 Charlotte, NC 28201-1300
  • Residents of Arizona, Colorado, Alaska, California, Hawaii, Idaho, New Mexico, Utah, Nevada, Oregon, Washington, or Wyoming mail payments to:
    • 1040-V tax form:
      • Internal Revenue Service P.O Box 7704 San Francisco, CA 94120-7704
    • 1040-ES tax form:
      • Internal Revenue Service P.O Box 510000 San Francisco, CA 94151-5100
  • Residents of Illinois, Iowa, Arkansas, Indiana, Kansas, Michigan, Montana, North Dakota, Minnesota, Nebraska, Ohio, Oklahoma, South Dakota, or Wisconsin mail payments to:
    • 1040-V tax form:
      • Internal Revenue Service P.O Box 802501 Cincinnati, OH 45280-2501
    • 1040-ES tax form:
      • Internal Revenue Service P.O Box 802502 Cincinnati, OH 45280-2502
  • Residents of Georgia, New Jersey, Alabama, South Carolina, Kentucky, North Carolina, Tennessee, or Virginia  mail payments to:
    • 1040-V tax form:
      • Internal Revenue Service P.O Box 931000 Louisville, KY 40293-1000
    • 1040-ES tax form:
      • Internal Revenue Service P.O Box 931100 Louisville, KY 40293-1100
  • Residents of Delaware, Maine, Connecticut, District of Columbia, Maryland, Massachusetts, New Hampshire, Pennsylvania, Missouri,  New York, Rhode Island, Vermont, or West Virginia mail payments to:
    • 1040-V tax form:
      • Internal Revenue Service P.O Box 37008 Hartford, CT 06176-7008
    • 1040-ES tax form:
      • Internal Revenue Service P.O Box 37007 Hartford, CT 06176-7007
  • Do your homework, some exceptions apply.

Understanding how taxes work and maintaining them is key to avoiding the hassles that come from being on the Internal Revenue Service’s wrong side. Always file your taxes and pay any debt to the IRS as quickly as possible. Remember that if you find yourself in a precarious situation with the IRS, you can always find the help you need at Solvable.

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BJ Lynch
Expert Contributor
Last Updated: