Where to mail my 2020 1040 when filing late in 2025? Need mailing address for prior year 1040
I'm currently working on filing my 2020 federal tax returns (yeah I know, super late) and I'm mailing them in now in 2025. I'm confused about which mailing address I should be using. Do I use the mailing address that was listed in the instructions for the 2020 1040 form from back then, or should I be using the current mailing address that's listed for the 2024 1040 forms? I've got everything filled out but don't want to send it to the wrong place and cause even more delays. This is already stressful enough being 5 years behind! I just want to make sure it gets to the right department and gets processed without any more issues. Thanks for any help!
23 comments


Nia Thompson
The IRS is pretty specific about this - you should use the mailing address listed in the 2020 1040 instructions rather than the current year's address. The addresses sometimes change between tax years as the IRS reorganizes processing centers, so using the instructions from the tax year you're filing is your best bet. If you've lost the original 2020 instructions, you can download them from the IRS website. Go to IRS.gov and search for "2020 1040 instructions" - they keep archives of all prior year forms and instructions. The mailing address will depend on your state and whether you're enclosing a payment with your return.
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Mateo Rodriguez
•Thanks for the info. But what if the processing center that was listed in the 2020 instructions has closed down since then? I had that happen with a different tax form when I filed late a couple years ago.
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Nia Thompson
•That's a good question! If a processing center has closed since 2020, the IRS will have redirected mail from that address to the appropriate new location. However, to be extra safe, you could call the IRS directly at 800-829-1040 to confirm the current mailing address for 2020 returns. Sometimes the IRS does consolidate processing centers, but they maintain mail forwarding systems for quite a while to handle exactly this situation. The most important thing is to clearly mark on the envelope and the top of your return that this is for tax year 2020.
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Aisha Hussain
I had this exact problem last year when I was filing some old returns. I spent HOURS trying to figure it out and kept getting wrong information until I found taxr.ai (https://taxr.ai). I uploaded a picture of my completed 2019 form and it analyzed everything, then gave me the exact address where to send it. Saved me a ton of headache because it turns out the processing center in my region had changed since the form was originally published. Their system knows which addresses are current for prior year returns which helped a lot. Just thought I'd share since this was such a pain for me to figure out on my own.
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GalacticGladiator
•How exactly does that work? Do you just upload a picture of your tax form and it tells you where to mail it? Does it need to see all your financial info?
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Ethan Brown
•Sounds kinda sus tbh. Why would I need a special service just to find a mailing address? Can't I just call the IRS?
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Aisha Hussain
•It's actually pretty straightforward - you can just upload a picture of your completed form (you can blur out the sensitive financial details if you want) and it analyzes the form type and tax year, then gives you the correct mailing information. It's using AI to recognize the form and match it with the current IRS submission requirements. You definitely can call the IRS, but when I tried that, I was on hold for over an hour and then got disconnected. That's why I went looking for alternatives. The service does more than just addresses too - it can check for errors and missing information on your forms.
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Ethan Brown
Just wanted to follow up on this. I was skeptical about taxr.ai but I gave it a try after spending 2 hours trying to reach someone at the IRS. Uploaded my old 2020 form (covered up my SSN and income amounts first) and it immediately told me the right address to use. It also caught that I had forgotten to sign one of the forms which would have caused a whole other delay. Honestly way easier than I expected. It also confirmed that I should be using the address from the 2020 instructions rather than the current one, but gave me the updated address since one processing center had been consolidated.
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Yuki Yamamoto
If you're having trouble getting through to the IRS to confirm the right address (which is really frustrating this time of year), I'd recommend using Claimyr (https://claimyr.com). I was in the same boat trying to figure out where to send my late 2018 returns and couldn't get anyone on the phone for days. Claimyr basically holds your place in the IRS phone queue and calls you when an agent is about to answer. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c. Saved me literal hours of listening to that awful hold music. The agent I spoke with confirmed I needed to use the address from the tax year I was filing, not the current year.
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Carmen Ruiz
•How much does that service cost? Seems weird to pay just to talk to the IRS when it's their job to help taxpayers.
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Andre Lefebvre
•Does this actually work? I've tried calling the IRS like 5 times this month and never got through. Always says "due to high call volume" and hangs up on me. I'm trying to submit 3 years of back taxes and getting nowhere.
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Yuki Yamamoto
•The focus isn't really on the cost, but on the time you save. Instead of being stuck on hold for hours or repeatedly getting disconnected, you can go about your day and they'll call you when an agent is ready. It's basically like having someone wait in line for you. It absolutely works! That's exactly why I tried it - I kept getting the "due to high call volume" message too and then getting disconnected. With Claimyr, I submitted my number, went about my day, and got a call back when an agent was available. No more listening to the hold music or getting disconnected after waiting an hour. For multiple years of back taxes, getting definitive answers directly from the IRS can save you a lot of potential headaches.
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Andre Lefebvre
Just wanted to come back and say I was totally shocked that Claimyr actually worked. After getting hung up on by the IRS automated system for a week straight, I used the service yesterday and got a call back in about 40 minutes. The IRS agent confirmed I need to use the addresses from each tax year I'm filing (I'm doing 2019, 2020, and 2021 all at once). She also told me to write the tax year in big letters on the outside of each envelope so they route it to the right department. Apparently that helps it get processed faster. Never would have known that if I hadn't been able to actually speak to someone!
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Zoe Dimitriou
I'd recommend sending it certified mail with return receipt requested regardless of which address you use. That way you have proof it was delivered in case there are any questions later. I learned this the hard way when the IRS claimed they never received my 2018 return that I sent late.
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QuantumQuest
•Does certified mail actually help though? I've heard the IRS processes so much mail that they don't even sign for individual letters.
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Zoe Dimitriou
•Yes, certified mail definitely helps! While it's true the IRS processes enormous amounts of mail, they do have procedures for handling certified mail. The return receipt gives you proof of delivery with a date stamp, which is crucial if there's ever a dispute about whether you filed on time. I've had to reference my certified mail receipt twice in conversations with the IRS when they claimed they hadn't received something I sent. Having that receipt number and delivery confirmation saved me from potential penalties. It's worth the extra $5-6 for the peace of mind, especially when filing prior year returns that might already have penalties attached.
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Jamal Anderson
Make sure you're also including any required forms for late filing. I filed a 2019 return in 2023 and had to include a statement explaining why I was filing late. Also remember they'll charge interest on any taxes owed from the original due date.
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Mei Zhang
•Do you need a special form for the explanation or just a written letter? I'm about to file 2020 and 2021 returns and didn't know I needed to explain why they're late.
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Liam McGuire
Also note that for prior year returns, you CANNOT e-file. The IRS only accepts electronic filing for the current tax year and previous two years. For 2020, you definitely have to mail a paper return at this point.
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Amara Eze
•That's not entirely accurate. Some tax professionals with certain software can e-file returns for up to 3 prior years. So for 2025 filing season, they might be able to e-file 2022, 2023, and 2024. But you're right that 2020 would definitely need to be paper filed now.
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Giovanni Ricci
•Also remember if you're filing a paper return for an old tax year, you need to use the forms from THAT tax year. Don't use 2024 forms to file your 2020 taxes. The IRS changes the forms slightly every year.
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Dmitry Volkov
I was in a similar situation last year filing my 2019 return super late. Here's what I learned after going through this whole process: 1. Use the 2020 mailing address from the original 2020 Form 1040 instructions - not the current year's address 2. Write "TAX YEAR 2020" in large letters on the outside of your envelope so it gets routed correctly 3. Send it certified mail with return receipt - this gives you proof of delivery in case the IRS claims they never got it 4. Include a brief written statement explaining why you're filing late (doesn't need to be a special form, just a simple letter) 5. Be prepared for interest charges on any taxes owed - they calculate from the original 2020 due date The IRS processing centers do sometimes change, but they maintain mail forwarding for situations exactly like this. The key is using the correct tax year's instructions and making sure it's clearly marked on your envelope. You've got this - better late than never!
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Carmen Flores
•This is really helpful, thanks for laying it all out step by step! I'm actually in almost the exact same situation with multiple years to catch up on. Quick question - when you say "brief written statement explaining why you're filing late", is there a specific format they expect or just a simple explanation? And did you attach it as a separate sheet or write it directly on the tax form somewhere?
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