[s1artibartfast]

>This doesn't sound right

I don't know what to tell you. The code is pretty straightforward. You can deduct the mortgage interest on 375 k per person. You get twice the tax deduction with two people as one.

Regarding the general taxes you are correct in that it only helps if you have two people in different tax brackets. This is extremely common

[giantg2]

So that's rely only applicable if your house is over $375k. It's not like if you pay $5k in interest that you deduct $10k.

[s1artibartfast]

Correct. My mortgage is 750k+. single, I get a 15k tax deduction. If I marry someone, we get 30k tax deduction instead.