It depends. Do you have taxable income? If so, then yes, you will need to file. If you do not have taxable income, then no, you would not need to file a return. The taxes and interest you pay will not result in a refund if you did not pay taxes in and if they are not higher than your standard deduction. These are part of itemized deductions that can lower your taxable income, but it will not result in less than $0 income. So if you did not pay taxes in and do not have a tax liability, you would not see any type of benefit on your return from the interest and taxes.
If you are single and over 65, then your 2024 Standard Deductions would be $16,550. So if you have taxable income less than that, and are not due a refund because of taxes you paid in, then you would not be able to e-file a return. You could paper file, but you would have no filing requirements.
Standard versus Itemized Deduction
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