Question

When claiming married filing separately; mortgage interest is deducted by one person or both people?

Answer

When claiming married filing separately, mortgage interest would be claimed by the person who made the payment. Therefore, if one of you paid alone from your own account, that person can claim all of the mortgage interest and property taxes.

In most cases, if you paid the expenses with a joint account you must divide the expenses evenly. If you both were liable for and paid interest on your mortgage that was on a Form 1098, attach an explanation to your return. Include:

  • How much of the interest each of you paid
  • The name and address of the person who received the form

Deduct your share of the interest on Schedule A.

Related Topics

Related Resources

Does the IRS provide charitable donation values for goods donated to charity? I am trying to calculate the Goodwill don

If you donate items to Goodwill, how should you calculate your donation value? Learn more from the tax experts at H&R Block.

I have a question about claiming my charitable donation tax deduction. Is there an itemized deduction limit for charitab

Does the size of your donation increase the size of your tax deduction? Learn more from the tax experts at H&R Block.

I have a question about health care taxes and claiming my Medicare premium deduction. I pay Medicare premiums and supple

If you have Medicare, does your premium qualify for a deduction? Learn more from the tax experts at H&R Block.

Miscellaneous Itemized Deductions

Learn more about deductible business expenses, tax fees and investment costs with the tax experts at H&R Block.