Motorhome vs Car Loan Interest Deduction Calculator
For households financing both a rig and a daily driver.
The short answer: The short answer: your daily driver's loan interest deducts under the OBBBA (up to $10,000); a motorhome loan is not a motor vehicle loan under this provision. At the numbers below, the car-side deduction is $2,900, worth $348 at 12%.
New, US-assembled vehicle only
Modified Adjusted Gross Income
Car Loan Interest Deduction
$2,900
✅ You qualify for the full deduction
⚠️ This calculator provides estimates for informational and educational purposes only. It is not tax advice. Results are based on the One Big Beautiful Bill Act (OBBBA) and IRS Schedule 1-A. Consult a qualified tax professional for your specific situation.
Two Loans, Two Rulebooks
The OBBBA provision covers qualified motor vehicle loans — cars, trucks, motorcycles. Motorhomes are RVs: historically, RV loan interest can qualify as home-mortgage interest when the rig has sleeping, cooking, and toilet facilities — a completely separate track.
- • Daily driver loan → OBBBA interest deduction
- • Motorhome loan → check the RV-as-second-home interest rule instead
- • Never mix the two on Schedule 1-A
Worked Example
MFJ household: $2,900 of interest on the daily driver.
- • OBBBA deduction $2,900; savings $348 at 12%
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Frequently Asked Questions
Can I deduct motorhome loan interest under the OBBBA?
No — motorhomes aren't motor vehicles for this provision. Motorhome interest may qualify as deductible home-mortgage interest under the long-standing RV rule if the rig has the required facilities.
What about my towed car ('toad')?
If it's financed with its own vehicle loan, that interest deducts under the OBBBA normally.