Cells not calculating based on IF/OR formula entered

Breakwater 

It's not altogether clear what you're trying to do, but I'll make a couple quick suggestions, offer a sample of one aspect of how you should be thinking about this (the kind of thing you'll learn as you delve more into Excel).

First, it's generally acknowledged that the more you can avoid "hard-coding values" into a formula, the better. Specifically in this case, don't include the 4.0% or 4.85% tax rates IN the formula itself. Instead, use a table, and look up the value. The use of a table enables you to change the tax rates next year (or whenever they change) WITHOUT changing the formula.

And a table also allows you, as your locations expand to more cities, more states, to just add those new tax rates to the same table, again without any changes needed to the formula.

Then there's the VLOOKUP function, which in this case takes the location code and checks the table for the relevant column and retrieves the appropriate tax.

So you'll see all of that in the attached spreadsheet.

IF you want more help with your specific spreadsheet, please post a copy of the spreadsheet itself (without proprietary or confidential data) on OneDrive or GoogleDrive and paste a link here that grants access.