Second home expenses
Varies
Can You Write Off Second Home Expenses?
Short answer: Mortgage interest and property taxes on a personal vacation home are deductible if you itemize; utilities, repairs, and insurance aren't.
Renting it out over 14 days changes the rules.
Records to keep: Keep receipts, statements (1098, 1098-T, 1099, W-2G), and a note of what each cost was for. Compare itemizing to the 2026 standard deduction before you claim.
BW-B23-00489
medium risk
Second home expenses
Varies
Individuals / Personal Taxes
Other Expenses
Personal Tax Deductions
Mortgage interest and property taxes on a personal vacation home are deductible if you itemize; utilities, repairs, and insurance aren't.
BizWriteOffs provides educational information only and is not tax, legal, or accounting advice. Deductibility depends on your specific facts and records. Consult a qualified tax professional.
Business justification
Mortgage interest and property taxes on a personal vacation home are deductible if you itemize; utilities, repairs, and insurance aren't. Renting it out over 14 days changes the rules.
Category
- Personal Tax Deductions
personal deduction
search demand 2026 b23
home mortgage
second homes