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Changes to Mortgage Insurance Premium Tax Deduction

This act makes two key changes for homeowners paying mortgage insurance premiums. First, the tax deduction for these premiums is made permanent, rather than temporary. Second, the income limit for claiming this deduction is doubled, allowing more people to qualify.
Key points
The tax deduction for mortgage insurance premiums is made permanent.
The income limit to qualify for the mortgage insurance premium deduction is increased from $100,000 to $200,000 (for joint filers) or from $50,000 to $100,000 (for separate filers).
These changes apply to tax years beginning after December 31, 2021.
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Status: Expired
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Additional Information
Print number: 117_HR_6109
Sponsor: Rep. Kind, Ron [D-WI-3]
Process start date: 2021-12-01
System Note: Lustra is free, publicly auditable civic infrastructure — full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source—always verify them if you can.
Summarized by: gemini-2.5-flash-preview-04-17
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Middle Class Mortgage Insurance Premium Act of 2021

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_6109.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2021-12-01.

What are the main provisions?

Key points include:

  • The tax deduction for mortgage insurance premiums is made permanent.
  • The income limit to qualify for the mortgage insurance premium deduction is increased from $100,000 to $200,000 (for joint filers) or from $50,000 to $100,000 (for separate filers).
  • These changes apply to tax years beginning after December 31, 2021.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Kind, Ron [D-WI-3].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Ways and Means.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-28.

What is the impact of this bill?

We don't know—that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Taxes Real Estate