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Level 1
April 1, 2026
Question

Property Taxes on Second Home being reported as paid on the principal residence

  • April 1, 2026
  • 3 replies
  • 229 views

Hi, I am having a challenge completing my property tax deduction.

We have two homes. The first (our primary residence) is owned free and clear. No 1098.

Our second home has a mortgage for which we received a 1098.

When I enter the information from the 1098 for our second home, it populates into line 2b of the interest and property tax information worksheet. (line 2b specifically states that it refers to property taxes on the principal residence). If I override this entry, I get an error message saying I won't be able to efile because it interferes with cross checking.

The 1098 worksheet shows that it is for a second home. I have tried entering the tax and mortgage information in the interview format and by directly entering the data in the worksheets. Am I missing something or can someone suggest a workaround? (whether it is on the first or second home doesn't effect the amount of taxes, just the way the forms are reported). 

 

    3 replies

    Level 15
    April 1, 2026

    The IRS only wants to know the total property tax paid so you can just leave it alone. 

    Level 15
    April 1, 2026

    @benmcconaughy personally, I would not worry about it.  As you state, the tax deduction is correct.  If ever audited by the IRS (unlikely) you have documentation to support the deduction.

    Mike9241
    Level 15
    Level 15
    April 2, 2026

    I definitely would not worry about this. Property taxes on your primary and secondary residences are deductible and reported on the same line on Schedule A, subject to the cap on Schedule A taxes. 

    Mike9241