Joan's gross pay is $400, from which $24.80 is deducted for OASDI, $5.20 for Medicare, and $45 for income tax. What is her net pay?

The total amount deducted from Joan's gross pay is $24.80 + $5.20 + $45 = $<<24.80+5.20+45=75>>75.

Therefore, her net pay is $400 - $75 = $<<400-75=325>>325. Answer: \boxed{325}.

To find Joan's net pay, we need to deduct all the deductions from her gross pay.

Step 1: Deduct the OASDI deduction of $24.80 from the gross pay of $400.
Net pay after OASDI deduction = Gross pay - OASDI deduction
Net pay after OASDI deduction = $400 - $24.80
Net pay after OASDI deduction = $375.20

Step 2: Deduct the Medicare deduction of $5.20 from the net pay after OASDI deduction.
Net pay after Medicare deduction = Net pay after OASDI deduction - Medicare deduction
Net pay after Medicare deduction = $375.20 - $5.20
Net pay after Medicare deduction = $370

Step 3: Deduct the income tax deduction of $45 from the net pay after Medicare deduction.
Net pay after income tax deduction = Net pay after Medicare deduction - Income tax deduction
Net pay after income tax deduction = $370 - $45
Net pay after income tax deduction = $325

Therefore, Joan's net pay is $325.

To find Joan's net pay, we need to subtract the deductions from her gross pay.

First, let's calculate the total deductions:
OASDI deduction = $24.80
Medicare deduction = $5.20
Income tax deduction = $45

Total deductions = OASDI deduction + Medicare deduction + Income tax deduction
Total deductions = $24.80 + $5.20 + $45
Total deductions = $75

Now, subtract the total deductions from Joan's gross pay to find her net pay:
Net pay = Gross pay - Total deductions
Net pay = $400 - $75
Net pay = $325

Therefore, Joan's net pay is $325.