OnlyFans Creator Taxes in Mississippi - 2026 Guide

Updated for 2026 (Filing 2025 Taxes)

Tax Essentials for a OnlyFans Creator in Mississippi

The Magnolia State offers a unique backdrop for content creation, but navigating the tax landscape as an OnlyFans creator requires careful attention. Revenue generated through platforms like OnlyFans is considered self-employment income by the IRS, meaning creators are responsible for reporting earnings and paying all applicable taxes.

Federally, income earned as an OnlyFans creator must be reported on Schedule C (Profit or Loss from Business) when filing Form 1040. Crucially, if net earnings (income minus business expenses) exceed $400, self-employment tax applies. Accurate record-keeping throughout the year is essential for maximizing deductions and ensuring compliance.

How Mississippi Handles Gig Worker Taxes

As a resident of Mississippi, a state income tax return is required regardless of income level. Mississippi operates under a flat income tax rate, currently at 5% for the 2025 tax year. This means all taxable income is taxed at the same percentage. Self-employed individuals, including OnlyFans creators, must report their income and calculate their tax liability using Form 83-101, the Mississippi Individual Income Tax Return. This form requires you to calculate your adjusted gross income, deductions, and ultimately, your Mississippi taxable income. Mississippi also allows for certain deductions similar to the federal level, though specific rules and amounts may differ. It’s important to note that Mississippi does not have a separate self-employment tax like the federal government; your self-employment income is simply added to your other income and taxed at the 5% flat rate. Estimated tax payments may be required throughout the year if your expected tax liability exceeds $1,000. Failure to pay estimated taxes can result in penalties. Mississippi’s Department of Revenue provides detailed information and resources for taxpayers, including online filing options. Staying informed about any changes to state tax laws is vital for accurate filing. Resources are available at the Mississippi Department of Revenue website: https://www.dor.ms.gov/

Key Tax Deductions for Home-Based OnlyFans Creators

• Home Office Deduction: To qualify for the home office deduction, the space must be used exclusively and regularly for business. “Exclusive use” means that portion of your home is used solely for your OnlyFans work – it cannot double as a guest room or family space. “Regular use” means you use it consistently for your business. You can calculate the deduction using the simplified method ($5 per square foot, up to 300 square feet) or the actual expense method (calculating a percentage of your mortgage/rent, utilities, etc., based on the square footage used for business).
• Hardware & Software: The cost of equipment essential to your OnlyFans business is deductible. This includes computers, cameras, lighting, microphones, and any necessary software subscriptions like Adobe Creative Cloud, video editing software, or website hosting.
• Internet & Phone Bill: You can deduct the portion of your internet and phone bills that is directly related to your OnlyFans business. For example, if you estimate 80% of your internet usage is for work-related activities, you can deduct 80% of the bill.

Note on Mileage: As a predominantly home-based worker, mileage deductions are less common. However, if you occasionally travel for work-related purposes – such as meeting with collaborators or purchasing equipment – you can deduct those miles using the standard mileage rate set by the IRS.

The 15.3% Self-Employment Tax Explained

The 15.3% self-employment tax is comprised of two components: 12.4% for Social Security and 2.9% for Medicare. This tax is essentially the equivalent of the Social Security and Medicare taxes withheld from employees’ paychecks. As a self-employed individual, you are responsible for paying both the employer and employee portions of these taxes.