Owning a house in the US is expensive, with rapidly rising home prices and hidden expenses. However, tax credits and deductions for homeowners can lead to a bigger tax refund. Homeowners can take advantage of tax deductions by itemizing their deductions using Form 1040 Schedule A. Mortgage interest, mortgage points, and property taxes are some of the deductions available. Additionally, homeowners can claim tax credits for energy-efficient improvements and electric vehicle charging stations.

Since 2015, 87% of building permits in Utah have been for single-family homes, but experts suggest focusing on "missing middle housing" like duplexes and triplexes to address affordability. Daniel Parolek, who coined the term, emphasizes that these smaller, multi-unit buildings can provide more affordable options. He highlights zoning barriers and the need for policy changes to facilitate this housing type. Effective planning can enhance walkability and support transit-oriented development, making communities more livable and affordable.