Most mortgages these days are more than $1,000/mo. $12K/yr meets or beats the std deduction without charity or state/local tax write offs. Maybe people are too stupid to itemize?
Yes but of that 1k, 250-300 is principal, 100-120 is insurance. That leaves 600-650/mo of interest and property taxes. Add another let’s say 600 for car taxes and you are at 8500 for mortgage interest and property taxes. Add in 2-3k in state taxes and you are still below the current married standard deduction, much less when it doubles with the pending legislative.