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posted Jun 1, 2019 8:39:52 AM

I rent my old primary residence out for $1250/ month and the mortgage on the property is $1031/ month. Is my rental income $1250 x12 or ($1250 -$1031) x12?

This property is in another state than my current primary residence.  Also the rental property was my primary residence for 7 years before I rented it out.  I also rented it out for the whole year from Jan - Dec

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Expert Alumni
Jun 1, 2019 8:39:52 AM

Your rental income is $15,000 ($1,250 x 12).  Your mortgage payment is not used to determine your income/loss.  Rather, you will deduct the interest and property tax you paid, as well as any other deductible expenses related to your rental.  The portion of your mortgage payment that is applied towards principal is not deductible.  You will also need to file a state tax return for the state where your rental is located (if they have a state income tax).

1 Replies
Expert Alumni
Jun 1, 2019 8:39:52 AM

Your rental income is $15,000 ($1,250 x 12).  Your mortgage payment is not used to determine your income/loss.  Rather, you will deduct the interest and property tax you paid, as well as any other deductible expenses related to your rental.  The portion of your mortgage payment that is applied towards principal is not deductible.  You will also need to file a state tax return for the state where your rental is located (if they have a state income tax).