You'd need to have enough deductions to itemize without the mortgage interest deduction and be making well over six figures for that to be the case. I personal

You'd need to have enough deductions to itemize without the mortgage interest deduction and be making well over six figures for that to be the case. I personally don't come close to itemizing without mortgage interest, so I was seeing far less than that. My wife and I combined were barely in the six figures (taxable) when we actually owned our house as well, so we got back about $1k in taxes on about $12k in interest.