Real Estate - Income Tax Issues

Buyers should understand the tax laws that impact buying and owning a home.

  • Home mortgage interest and real estate taxes generally are deductible as a federal itemized deduction, although some limitations may apply.
  • The deduction of "points" as interest may be limited.
  • Buyers who are selling a prior residence should understand the rules for computing gain. One should maintain records on costs of home improvements since these costs may be added to the basis of the home and thereby reduce the amount of gain.