this post was submitted on 08 Jan 2026
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I feel like most people are on the standard deduction these days, right? It's pretty high and while we've itemized in the past, our mortgage interest isn't high enough to push us over and without that everything else is a tiny drop in the bucket.
It certainly depends. I'm not sure what qualifies as "most people" now. Plenty of people have higher interest rates on their homes from recent purchases than those who've purchased homes 4 or 5 years ago, and if you live in a state with higher income tax you'll have more to deduct. Also self-employed contractors and non-incorporated small business owners are likely going to itemize. My wife and I itemize but we're fortunate enough to be in a place where we support a lot of charities so itemization is worth it.