topic Can you change the automatic 50/50 split for mortgage interest and property tax deductions on married filing separately with TurboTax Deluxe? in Deductions & credits

Can you change the automatic 50/50 split for mortgage interest and property tax deductions on married filing separately with TurboTax Deluxe?

kylewright20 — Tue, 03 Feb 2026 16:45:27 GMT

In MFS, the deduction being tracked is automatically showing 50% of the interest and taxes entered for the deduction.

Re: Can you change the automatic 50/50 split for mortgage interest and property tax deductions on...

MarilynG1 — Wed, 05 Mar 2025 21:22:09 GMT

Yes, if you're in a Community Property state and filing as MFS, TurboTax will automatically split the deduction.

However, you can change the amounts. If only one person was responsible for the mortgage payment then that person would claim the mortgage interest. If it was paid out of a joint account, then you would split the amount between the two of you, entering half on each of your returns.

The person who is listed second will select "My name is not on the 1098, or my name isn't the first one listed". Remember, if one person itemizes you both must itemize as the other person cannot take the standard deduction.

Here's more info on Married Filing Separately and How to Compare MFS/MFJ if you're using TurboTax Desktop.

@kylewright20

Re: Can you change the automatic 50/50 split for mortgage interest and property tax deductions on...

kylewright20 — Wed, 05 Mar 2025 22:15:40 GMT

Thanks Marilyn! I think that was all my understanding and my spouse sees the input options for being listed second on the 1098, but I didn't see any options to change my contribution to the mortgage interest or property tax. Only the final deduction amount was shown as being 50% of what I had entered. This is all for MFS and itemized on both. Do you know if TurboTax Deluxe online still allows this input and if it has the What If worksheet like the desktop version?

Re: Can you change the automatic 50/50 split for mortgage interest and property tax deductions on...

PatriciaV — Thu, 06 Mar 2025 19:59:45 GMT

You may need to manually change the allocated amounts on each separate return by editing the Form 1098 entry.

There is no What-If worksheet available in TurboTax Online. However, you can download your TurboTax Online return to your computer so you can use TurboTax for Desktop by following these instructions:

How do I save my TurboTax Online return as a tax data file?

Re: Can you change the automatic 50/50 split for mortgage interest and property tax deductions on married filing separately with TurboTax Deluxe?

user17754372520 — Mon, 06 Apr 2026 01:04:12 GMT

So to confirm for MFS: if we paid $10K in property tax and I enter 10K on my form and my wife enters 10K, will Turbotax automatically convert it to 5k for each of us. Or we have to enter 5K each.

Re: Can you change the automatic 50/50 split for mortgage interest and property tax deductions on...

LindaS5247 — Mon, 06 Apr 2026 01:35:52 GMT

For Married Filing Separately (MFS) in TurboTax, you generally would enter only the portion of property taxes and mortgage interest actually paid by each person, rather than entering the full amount.