{"id":4066,"date":"2026-07-02T14:25:31","date_gmt":"2026-07-02T19:25:31","guid":{"rendered":"https:\/\/www.connerash.com\/blog\/?p=4066"},"modified":"2026-07-02T14:25:32","modified_gmt":"2026-07-02T19:25:32","slug":"mortgage-interest-deduction","status":"publish","type":"post","link":"https:\/\/www.connerash.com\/blog\/mortgage-interest-deduction\/","title":{"rendered":"Mortgage Interest Deduction"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Married taxpayers filing jointly may deduct interest on a mortgage of up to $750,000 in principal. The deduction is limited to half for married filing separate taxpayers. Interest on home equity loans, home equity lines of credit (HELOCs), and second mortgages may be deducted only when used to buy, build, or substantially improve the taxpayer&#8217;s primary or secondary qualified residence that secures the loan, subject to limits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 2026, OBBBA may allow you to deduct qualified mortgage insurance premiums for home acquisition debt (for policies issued after 2006). This deduction is treated as part of your qualified residence interest deduction and phases out between $100,000 and $110,000 AGI or $50,000 to $55,000 married filing separately. Talk with your tax professional to see if this deduction applies to your situation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Married taxpayers filing jointly may deduct interest on a mortgage of up to $750,000 in principal. The deduction is limited to half for married filing separate taxpayers. Interest on home equity loans, home equity lines of credit (HELOCs), and second mortgages may be deducted only when used to buy, build, or substantially improve the taxpayer&#8217;s &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.connerash.com\/blog\/mortgage-interest-deduction\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Mortgage Interest Deduction&#8221;<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[402,39],"tags":[],"class_list":["post-4066","post","type-post","status-publish","format-standard","hentry","category-mortgage-interest","category-newletters"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgage Interest Deduction - Conner Ash<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.connerash.com\/blog\/mortgage-interest-deduction\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage Interest Deduction - Conner Ash\" \/>\n<meta property=\"og:description\" content=\"Married taxpayers filing jointly may deduct interest on a mortgage of up to $750,000 in principal. The deduction is limited to half for married filing separate taxpayers. Interest on home equity loans, home equity lines of credit (HELOCs), and second mortgages may be deducted only when used to buy, build, or substantially improve the taxpayer&#8217;s &hellip; Continue reading &quot;Mortgage Interest Deduction&quot;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.connerash.com\/blog\/mortgage-interest-deduction\/\" \/>\n<meta property=\"og:site_name\" content=\"Conner Ash\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-02T19:25:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-02T19:25:32+00:00\" \/>\n<meta name=\"author\" content=\"Suzanne Watson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Suzanne Watson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/mortgage-interest-deduction\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/mortgage-interest-deduction\\\/\"},\"author\":{\"name\":\"Suzanne Watson\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#\\\/schema\\\/person\\\/2981787dac46b1dabe881c3f3d1cb3f0\"},\"headline\":\"Mortgage Interest Deduction\",\"datePublished\":\"2026-07-02T19:25:31+00:00\",\"dateModified\":\"2026-07-02T19:25:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/mortgage-interest-deduction\\\/\"},\"wordCount\":126,\"articleSection\":[\"Mortgage Interest\",\"Newsletters\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/mortgage-interest-deduction\\\/\",\"url\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/mortgage-interest-deduction\\\/\",\"name\":\"Mortgage Interest Deduction - Conner Ash\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#website\"},\"datePublished\":\"2026-07-02T19:25:31+00:00\",\"dateModified\":\"2026-07-02T19:25:32+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#\\\/schema\\\/person\\\/2981787dac46b1dabe881c3f3d1cb3f0\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/mortgage-interest-deduction\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.connerash.com\\\/blog\\\/mortgage-interest-deduction\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/mortgage-interest-deduction\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mortgage Interest Deduction\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/\",\"name\":\"Conner Ash\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/#\\\/schema\\\/person\\\/2981787dac46b1dabe881c3f3d1cb3f0\",\"name\":\"Suzanne Watson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/99b3890c91abd2b78da7fea563a1b195b11e45ef03fe39d1330d72a70dc406b8?s=96&d=mm&r=g\",\"caption\":\"Suzanne Watson\"},\"url\":\"https:\\\/\\\/www.connerash.com\\\/blog\\\/author\\\/swatsonconnerash-com\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Mortgage Interest Deduction - Conner Ash","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.connerash.com\/blog\/mortgage-interest-deduction\/","og_locale":"en_US","og_type":"article","og_title":"Mortgage Interest Deduction - Conner Ash","og_description":"Married taxpayers filing jointly may deduct interest on a mortgage of up to $750,000 in principal. 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