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

Form 8283 -Large Item Donations

Learn how to deduct large item donations of more than $500 with the tax experts at H&R Block.

Grad Student Tax Deductions and Credits

Learn more tax deductions available to grad students with advice from the tax experts at H&R Block.

Can I Report Prior Year Deductions?

Find out if you can claim deductions missed on prior tax returns with advice from the tax experts at H&R Block.

Tax Return for a Child

Wondering if you need to fill out a tax return for your child? Learn more about filing taxes for a child from the experts at H&R Block.