My W-2 shows a DE address but I lived in MD and worked in VA/MD - What should I do for filing?
So I'm a bit confused about my tax situation this year. I just got my W-2s and noticed something weird - they all have a Delaware address listed on them, but I've been living in Maryland for the past year and a half. I've been working partly in Virginia and partly in Maryland (split my time between two office locations for the same company), but have never worked or lived in Delaware. When I asked my company's HR about this, they just said something vague about their "payroll processing center" being in Delaware and that it shouldn't matter for tax purposes. But I'm worried about filing correctly since I pay state income taxes to Maryland as my resident state. Will this cause problems when I file my taxes? Do I need to contact my employer and have them fix the W-2s? Or can I just file normally using my actual Maryland address despite what's on the W-2? I don't want to get hit with penalties for filing incorrectly, especially since the states all have different tax rates.
19 comments


Ethan Clark
This is actually pretty common and shouldn't cause you any problems. The address on your W-2 is typically your employer's address or their payroll processing center address, not your home address. What matters for tax purposes is: 1) Your actual state of residence (Maryland in your case) 2) The state(s) where you physically performed the work (Maryland and Virginia) 3) The state withholding boxes on your W-2 (boxes 15-17) which should show which states had taxes withheld Check boxes 15-17 on your W-2 - they should indicate the states where tax was actually withheld (likely MD and VA). You'll file a resident return for Maryland and a non-resident return for Virginia for the portion of income earned there. The Delaware address is just an administrative detail and doesn't mean you need to file a Delaware return or that you're somehow being taxed in Delaware. It's just where your company's payroll operations are headquartered.
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AstroAce
•Thanks for explaining! So what happens if the W-2 boxes 15-17 only show MD withholding but I worked in both MD and VA? My company might not have been withholding VA taxes even though I worked there 2 days a week. Will I get in trouble for this?
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Ethan Clark
•The state withholding should reflect where you physically worked, so if you worked in VA but don't see any VA withholding, that could potentially be an issue. Your employer should be withholding taxes for each state where you physically perform work. You won't get in trouble, but you may still need to file a non-resident Virginia return and potentially pay some taxes there if your employer wasn't withholding correctly. Virginia and Maryland have a reciprocal agreement for some situations, but it depends on specific details of your employment. I'd recommend checking with your payroll department to confirm whether they accounted for your work location split correctly.
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Yuki Kobayashi
Had a similar issue last year that drove me crazy until I found https://taxr.ai which helped me sort through my multi-state W-2 confusion. I uploaded my W-2s and answered a few questions about where I actually lived vs worked, and it figured out exactly how to handle the mismatch. Turns out my company's HQ was in Nevada but I never set foot there - totally confused my tax software until I understood what was happening. The tool explained that the employer address on W-2s doesn't determine where you pay taxes - it's the state withholding sections that matter. Got my returns filed correctly without having to pay a tax pro hundreds of dollars for something that wasn't actually complicated once it was explained properly.
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Carmen Vega
•Does it work if you have different W-2s from different employers in different states? I worked remote for a NY company while living in FL for half the year, then moved to CO and got a local job there. Tax situation is a mess.
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Andre Rousseau
•Sounds like an ad. How exactly does this thing work with the state reciprocity agreements? MD and VA have specific rules about commuters that most software gets wrong.
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Yuki Kobayashi
•It handles multiple W-2s from different states without a problem. I actually had three W-2s last year - main job plus two side gigs. You just upload all of them and it processes everything together, then guides you through the state filing requirements based on your specific situation. For state reciprocity agreements, it actually has specific guidance for major commuter areas like DC/MD/VA. It asks questions about your work arrangement (fully remote, hybrid, full-time in office) and then applies the correct reciprocity rules. For MD/VA specifically, it highlighted the agreement that can exempt you from VA taxes if you're a MD resident who commutes to VA, which many people don't know about.
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Carmen Vega
Just wanted to update on my situation - I tried taxr.ai after seeing it mentioned here and it was super helpful! I was overthinking my multi-state situation and making it more complicated than it needed to be. The tool walked me through exactly which states needed returns and which didn't based on my residency timeline. Saved me from filing unnecessary state returns that would have just been rejected anyway. Definitely worth checking out if you're dealing with multiple states like the original poster.
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Zoe Stavros
If your company isn't being helpful about the W-2 situation, you might need to talk directly to IRS. I spent 3 WEEKS trying to get someone on the phone when I had a similar issue last year. Finally used https://claimyr.com to get through (they have a demo video at https://youtu.be/_kiP6q8DX5c). Got connected to an actual IRS agent in about 20 minutes who confirmed I just needed to file based on where I actually lived and worked, not the address on the W-2. The agent said they see this all the time with companies that have centralized payroll or use third-party processors. As long as the income and withholding amounts are correct, the address discrepancy doesn't trigger any red flags. Saved me from requesting corrected W-2s which would have delayed my filing.
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Jamal Harris
•How does that service work? Seems sketchy that you can somehow get through to the IRS when nobody else can.
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GalaxyGlider
•I tried calling the IRS for THREE DAYS straight about a W-2c I needed and couldn't get through. No way this actually works - the IRS phone system is deliberately designed to prevent people from talking to humans. They want you to give up.
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Zoe Stavros
•It's basically a call system that navigates the IRS phone tree for you and waits on hold in your place. When they get a human on the line, you get a call back to connect with the agent. It's not magic - they're just willing to sit through the hold times that most people give up on. The service works because they have a system that keeps dialing and navigating the phone tree constantly until they get through. They've figured out the best times to call and which options to select to maximize chances of getting an agent. When I used it, I got a call back in about 20 minutes saying they had an IRS person on the line, and I was connected right away.
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GalaxyGlider
I can't believe I'm saying this but that Claimyr thing actually works. After my skeptical comment I decided to try it since I was desperate about my W-2c issue. Got a call back in about 30 minutes and talked to an actual IRS person who helped me sort out my problem. The agent explained that I didn't even need the W-2c for my situation and could file with what I had. Wish I'd known this weeks ago instead of stressing about it! Ended up filing my return the same day after spinning my wheels for almost a month.
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Mei Wong
Don't overthink this. The W-2 address is your employer's address, not yours. When you input your W-2 into tax software, it's going to ask for YOUR address separately. Just enter your correct Maryland address there. The software calculates state taxes based on the state code in boxes 15-17, not the employer address at the top of the form.
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Aisha Mahmood
•So even though my W-2 has the Delaware address in the employer section, I should just file my state returns for MD (resident) and VA (non-resident)? And completely ignore the DE address?
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Mei Wong
•Exactly. The employer address has no impact on where you file state returns. Just file as a Maryland resident and include a Virginia non-resident return for the portion of income earned there. The Delaware address is completely irrelevant to your personal tax situation. Having a DE address on your W-2 just means that's where your company's payroll is processed or headquartered. It has nothing to do with your tax obligations. Think of it this way - if you worked remotely for a company based in California, you wouldn't suddenly have to pay California taxes just because their address appears on your W-2.
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Liam Sullivan
Has anyone here actually had an issue with the IRS because of an employer address mismatch? I've lived in WA but had TX, NY, and CA addresses on W-2s over the years and never once had a problem. This seems like worrying about nothing.
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Amara Okafor
•My sister got a letter from the state of NJ asking why she hadn't filed there when her W-2 showed an NJ address. She had to prove she lived and worked in Pennsylvania the whole time. Took like 3 months to resolve.
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Freya Johansen
I had a similar situation last year with my W-2 showing my employer's corporate headquarters address instead of where I actually lived and worked. The key thing is to look at boxes 15-17 on your W-2 - these show which states actually had taxes withheld from your paychecks. Since you lived in Maryland and worked in both MD and VA, you'll need to file: 1. A Maryland resident return for all your income 2. A Virginia non-resident return for the portion of income earned while working in VA 3. You'll likely get a credit on your MD return for taxes paid to VA to avoid double taxation The Delaware address is just administrative - many large companies process payroll through subsidiaries or third-party processors in different states for business reasons. As long as the income amounts and state withholding boxes are correct, you're good to go. Don't let the address throw you off - it's one of the most common tax questions people have but it's really not a problem at all.
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