I have an RV that is a second home...can I deduct the interest if I'm using the standard deduction?

mrsanderson404 · ‎February 1, 2026

xmasbaby0 · ‎February 1, 2026

No. Interest on a home is an itemized deduction. You cannot use standard deduction plus itemized deductions---it is one or the other. Unless your itemized deductions exceed your standard deduction they have no effect on your tax due or refund.

**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**

ReneV4 · ‎February 1, 2026

No. You cannot deduct mortgage interest on a second home if you take the standard deduction.

Mortgage interest, including on a qualified second home, is an itemized deduction.

Read more here, Can I deduct my mortgage interest?

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I have an RV that is a second home...can I deduct the interest if I'm using the standard deduction?