Effective Tax Rate Table

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How to Read Table

Move along the yellow horizontal row and find your home equity APR.

Then locate down the green vertical column your income tax bracket.

Your Effective Tax Rate is where the two cells intersect.

The Effective Tax Rate is the calculated annual interest rate that you would pay if you deducted qualifying interest charges from your taxes.

Note: most home equity interest charges qualify for tax deductibility, but there are limitations. See your professional tax advisor.

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APR	3.75%	4.00%	4.25%	4.50%	4.75%	5.00%	5.25%	5.50%	5.75%
Tax Bracket	Effective Interest Rates
15%	3.19%	3.40%	3.61%	3.83%	4.04%	4.25%	4.46%	4.68%	4.89%
25%	2.81%	3.00%	3.19%	3.38%	3.56%	3.75%	3.94%	4.13%	4.31%
28%	2.70%	2.88%	3.06%	3.24%	3.42%	3.60%	3.78%	3.96%	4.14%
33%	2.51%	2.68%	2.85%	3.02%	3.18%	3.35%	3.52%	3.69%	3.85%
35%	2.44%	2.60%	2.76%	2.93%	3.09%	3.25%	3.41%	3.58%	3.74%

APR	6.00%	6.25%	6.50%	6.75%	7.00%	7.25%	7.50%	7.75%	8.00%
Tax Bracket	Effective Interest Rates
15%	5.10%	5.31%	5.53%	5.74%	5.95%	6.16%	6.38%	6.59%	6.80%
25%	4.50%	4.69%	4.88%	5.06%	5.25%	5.44%	5.63%	5.81%	6.00%
28%	4.32%	4.50%	4.68%	4.86%	5.04%	5.22%	5.40%	5.58%	5.76%
33%	4.02%	4.19%	4.36%	4.52%	4.69%	4.86%	5.03%	5.19%	5.36%
35%	3.90%	4.06%	4.23%	4.39%	4.55%	4.71%	4.88%	5.04%	5.20%

APR	7.75%	8.50%	8.75%	9.00%	9.25%	9.50%	9.75%	10.00%	10.25%
Tax Bracket	Effective Interest Rates
15%	7.01%	7.23%	7.44%	7.65%	7.86%	8.08%	8.29%	8.50%	8.71%
27%	6.19%	6.38%	6.56%	6.75%	6.94%	7.13%	7.31%	7.50%	7.69%
30%	5.94%	6.12%	6.30%	6.48%	6.66%	6.84%	7.02%	7.20%	7.38%
35%	5.53%	5.70%	5.86%	6.03%	6.20%	6.37%	6.53%	6.70%	6.87%
38.6%	5.36%	5.53%	5.69%	5.85%	6.01%	6.18%	6.34%	6.50%	6.66%

APR	10.50%	10.75%	11.00%	11.25%	11.50%	11.75%	12.00%	12.25%	12.50%
Tax Bracket	Effective Interest Rates
15%	8.93%	9.14%	9.35%	9.56%	9.78%	9.99%	10.20%	10.41%	10.63%
27%	7.88%	8.06%	7.75%	8.44%	8.63%	8.81%	9.00%	9.19%	9.38%
30%	7.56%	7.74%	7.92%	8.10%	8.28%	8.46%	8.64%	8.82%	9.00%
35%	7.04%	7.20%	7.37%	7.54%	7.71%	7.87%	8.04%	8.21%	8.38%
38.6%	6.83%	6.99%	7.155%	7.31%	7.48%	7.64%	7.80%	7.96%	8.13%

APR	12.75%	13.00%	13.25%	13.50%	13.75%	14.00%	14.25%	14.50%	14.75%
Tax Bracket	Effective Interest Rates
15%	10.84%	11.05%	11.26%	11.48%	11.69%	11.90%	12.11%	12.33%	12.54%
27%	9.56%	9.75%	9.94%	10.13%	10.31%	10.50%	10.69%	10.88%	11.06%
30%	9.18%	9.36%	9.54%	9.72%	9.90%	10.08%	10.26%	10.44%	10.62%
35%	8.54%	8.71%	8.88%	9.05%	9.21%	9.38%	9.55%	9.72%	9.88%
38.6%	8.29%	8.45%	8.61%	8.78%	8.94%	9.10%	9.26%	9.43%	9.59%


Tax Publications / Forms

Publication 936: Home Mortgage Interest Deductions	click here
Download Publication Form 936	click here
Publication 530: Tax Information for First-Time Homeowners	click here
Download Publication Form 530	click here
Download IRS1040, Schedule A: Itemized Deductions	click here