Estimate your tax-free housing and M&IE stipends by state, based on current GSA per diem rates. Pick a state below to see the breakdown.
These figures are based on the U.S. General Services Administration (GSA) per diem rates for Fiscal Year 2026, which set the maximum tax-free allowances federal travelers receive for lodging and meals/incidentals (M&IE).
Most agencies set their stipends at or near GSA rates because GSA defines the maximum tax-free portion of pay. Anything above GSA is taxable income.
Important: Your actual agency offer may differ — agencies sometimes pay below GSA to reduce risk, occasionally above (with the excess portion being taxable). Always confirm with your recruiter.
$110/day lodging and $68/day M&IE is the federal standard rate for anywhere in the contiguous US that isn't a specifically-listed metro area. Most rural and mid-sized assignments use this rate.
Some metro areas (Tahoe, beach towns, capital cities) have different GSA rates for different months of the year. Where this applies, we show the 12-month average — your actual stipend depends on when your contract runs.
Hawaii and Alaska use a separate federal rate system (DTMO / OCONUS) that's not currently included in this calculator. We're working on adding them.
GSA publishes new rates on October 1 each fiscal year. We refresh this calculator's data each October to stay current.
When you take a travel therapy assignment away from your tax home, you incur duplicated living expenses — you're paying for housing and meals at your assignment location while still maintaining your permanent residence. Tax-free stipends are designed to reimburse you for these duplicated costs.
Your total travel therapy compensation package is typically made up of three components: a taxable hourly or weekly wage, a housing stipend, and a meals & incidental expenses (M&IE) stipend. The stipends are not subject to federal or state income tax, Social Security, or Medicare taxes — which is why they can significantly increase your take-home pay compared to a permanent position with a similar gross amount.
Covers rent, utilities, and other housing costs at your assignment location. Based on GSA per diem rates for the area. Ranges from $680/wk in lower-cost areas to $1,150+/wk in cities like New York and Anchorage.
Covers food, tips, laundry, and other daily living expenses while on assignment. Typically calculated as 40–50% of the housing stipend. Ranges from roughly $300 to $520+ per week depending on location.
You must maintain a permanent residence (tax home) to qualify for tax-free stipends. This means paying rent or a mortgage at a fixed address and returning to it between assignments. Without a valid tax home, all stipends become taxable.
There are several strategies travel therapists use to maximize the value of their stipends. Finding housing that costs less than your stipend is the most direct approach — the difference is yours to keep, tax-free. Traveling with a partner or roommate to split costs, negotiating extended-stay hotel rates, or choosing assignments near affordable neighborhoods can all help.
You can also negotiate how your pay package is structured. If you have a valid tax home and low housing costs, you may prefer a higher stipend and lower taxable wage to maximize your tax-free income. Conversely, if you don't have a tax home or need to maximize taxable income for loan applications, you can request a higher taxable wage.
Based on GSA FY2026 lodging rates. These are the locations where travel therapists can earn the most in tax-free stipends.
| # | Metro Area | Housing/wk | M&IE/wk | Total/wk |
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Travel therapy stipends are tax-free reimbursements paid to cover duplicated living expenses while working away from your tax home. The two main stipends are the housing stipend (for rent and utilities at your assignment location) and the M&IE stipend (for meals and incidentals). These are paid on top of your taxable wage.
Housing stipends typically range from $680 to $1,150 per week depending on the assignment location. High cost-of-living areas like New York, Alaska, Hawaii, and California offer the highest stipends. The exact amount is based on GSA per diem rates and negotiated with your agency.
A tax home is your regular place of business or permanent residence. For travel therapists, maintaining a tax home means keeping a permanent address where you pay rent or mortgage and return between assignments. Without a valid tax home, the IRS considers you an itinerant worker and all of your pay — including stipends — becomes taxable.
Yes. The housing stipend is yours to use as you choose. If your actual housing costs less than the stipend, you keep the difference tax-free. Many travelers share housing, stay with friends/family, or find deals to maximize this benefit.
Without a valid tax home, the IRS considers you itinerant and all compensation — including what was labeled as stipends — becomes fully taxable. This can significantly increase your tax bill. Maintain a permanent residence and keep records to protect your tax-free status.
No. Stipend amounts vary between agencies because each structures pay packages differently based on their negotiated contract rate. Some offer higher stipends with lower taxable wages; others do the opposite. Always compare total compensation — not just the stipend line item.