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So, the mortgage is in my husband's name & we paid over $20,000 between Property Taxes and Interest. So he has significantly more write-offs than I did (zero for me). 

 

I ran both scenarios through the calculator, and if we file jointly, we ended up owing a couple hundred. Whereas if we filed separately, he got back ~$1400 and I ended up owing ~$400, so we ended out "on top". 

 

But I did not know that we both had to itemize, so I'm assuming if I itemize, it'll end up hurting me way worse and we'll still end up the same?