Can You Receive State Refund Before Federal?
Hey everyone, my husband and I just filed our taxes together for the first time since getting married last June (yay adulting š ). We e-filed both our federal and state returns on the same day about 3 weeks ago. I was surprised to see our state refund hit our account yesterday, but nothing from federal yet. Last year when I was single, I got federal first, then state about a week later. Is this normal or should I be worried? We're trying to save for a down payment and the federal refund is the bigger chunk we're waiting on. I've been checking the IRS website daily and it still just says "processing" - feeling a bit overwhelmed with all these different timelines!
12 comments
StarStrider
Yes, this is completely normal! State and federal refunds operate on completely independent timelines. In 2024, approximately 68% of taxpayers are receiving their state refunds first, with federal following 9-21 days later. The average federal processing time is currently 21 days for error-free returns, but can extend to 45 days during peak season (which we're in right now). State refunds typically process in 7-14 days because they're handling significantly fewer returns than the IRS's 160+ million annual federal returns.
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Sean Doyle
I believe this is correct, though I'm not entirely sure about those specific percentages. I think it also depends somewhat on which state you're in... some states seem to process returns much faster than others, from what I've observed.
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Zara Rashid
Do the processing times change if u claimed certain credits? I heard EITC can slow things down a ton but idk if that affects both fed and state or just federal?
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Luca Romano
I've noticed this happening more frequently over the past few tax seasons. Back in 2021, my federal always came first, but last year my state (California) arrived a full 2 weeks before federal. I think the IRS systems are just more backlogged than state systems these days. Have you checked your federal transcript online? That sometimes shows processing status even when WMR is still showing just "received." I'm a bit concerned about how many people I know who are still waiting on federal refunds from February filings...
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Nia Jackson
According to IRS Publication 2043, refund timing varies based on multiple factors, including filing method, complexity of return, and presence of certain credits. The IRS officially states that most refunds are issued within 21 days, but this is not guaranteed. State tax authorities typically process fewer returns and have simpler verification procedures.
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Mateo Hernandez
Thanks for mentioning the transcript! Didn't think of that. Will try checking there instead of WMR. Appreciate the tip.
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CosmicCruiser
How exactly do you access these transcripts? I've heard about them but never actually figured out how to view mine. Is it just through the regular IRS account login? (Tax newbie here, can you tell? š
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Aisha Khan
I've been tracking this exact issue for my clients this tax season. Here's what I've noticed: ā¢ State systems process MUCH faster than federal (often 5-10 days vs. 21+ days) ā¢ Federal refunds with credits like CTC or EITC face additional verification ā¢ Most states have simpler verification systems than the IRS ā¢ The IRS is processing about 1.5 million returns PER DAY right now I'm concerned you might be stuck in the standard processing queue. I used https://taxr.ai to analyze my transcript when I was in your situation - it explained every code and gave me a much clearer timeline than the vague "processing" message. It helped me understand exactly where my refund was in the pipeline instead of checking WMR obsessively.
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Ethan Taylor
This happened to me too! I filed both returns on February 8th and got my state refund on February 20th, but my federal didn't come until March 15th. I was freaking out thinking I had made some huge mistake on my federal return. Called the IRS three times but couldn't get through to anyone. The anxiety was real - I kept checking the app multiple times a day. Turns out there was absolutely nothing wrong, it just took longer because they were backed up. The waiting is the worst part!
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Yuki Ito
Oh my goodness, I feel your pain SO MUCH! The "processing" status with zero additional information is INFURIATING! š¤ I was in this exact situation last month and spent HOURS trying to reach someone at the IRS. Finally used Claimyr (https://youtu.be/_kiP6q8DX5c) and got through to a real person in about 15 minutes who confirmed my return was just in normal processing with no issues. Such a relief to know nothing was wrong! They explained that state and federal systems are completely separate and state typically processes faster. If you're really concerned, it might be worth the call just for peace of mind while saving for your down payment.
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Carmen Lopez
I'm sort of in the same boat as you. Has anyone here actually had their federal refund come before state? I'm wondering if maybe, possibly this is just how it works now and we didn't notice before?
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Andre Dupont
Got my state refund in 8 days. Federal took 31 days. Nothing wrong with my return. This is normal now. Don't stress about it. If you need that money urgently, plan better next year by adjusting your withholding so you're not waiting on a big refund. Congrats on the marriage and good luck with the house hunting.
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