2025 Tax Changes: How the OBBBA Affects Your Homeowner Deductions

ARTICLE | September 19, 2025

The One, Big, Beautiful Bill Act (OBBBA) was signed into law on July 4 and carries substantial tax updates that will directly affect many homeowners starting in 2025. The new provisions range from changes to state and local tax (SALT) deductions and home mortgage interest limitations to the phaseout of certain energy credits that have long been available. From a planning perspective, it is critical to understand how these new rules might shape your approach to itemizing or claiming the standard deduction, especially if you have significant property taxes, plan on mortgage financing, or have been eyeing energy-saving home updates. This article provides an overview of the key homeowner-focused provisions in the OBBBA, explains how the law updates existing deadlines and thresholds, and offers ideas for strategically preparing for these changes.

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