Save Money:Green Tax Savings to Increase your 2009 Tax Return

July 14, 2009 by Vikki C
Filed under: Budgeting 

I think it is safe to say that most Americans are aware of the $15,000 tax credit for people who purchase their 1st home in 2009. I don’t have the statistics on how effective this incentive has been in driving up home sales, but I know several friends who are looking to purchase a home this year because of this tax credit. I WISH I could take advantage of this opportunity; however, my husband and I purchased our 1st home in 2004. But I was searching the internet and saw an article from Suze Orman about Green Tax Savings. These credits are perfect for people who own a home, but also want to receive tax credits for the 2009 tax year. Plus my family saves money from our tax refund to build our emergency fund and pay off debt so we are always looking for ways to increase our refund.

Suze Orman states, “Certain eco-friendly upgrades to your home can qualify for federal tax credits through the end of this year. A credit is much more valuable to you than a standard tax deduction. A credit is a dollar for dollar reduction in your tax bill. A deduction’s value is based on your marginal tax bracket. For example, a $500 tax credit reduces your taxable income by $500. A $500 tax deduction for someone in the highest income tax bracket of 35% is only worth $175 ($500 x .35).”

The maximum lifetime energy credit you can claim for upgrades to your primary residence is $500 total. Among the energy-efficient upgrades that qualify for the credit are:

  • New windows, storm windows, sky lights: credit on 10% of the cost up to $200 total for all windows.
  • New Exterior doors: credit on 10% of the cost up to $500.
  • Metal roofs: 10% of the cost up to $500.
  • Insulation. Credit on 10% of the cost up to $500.
  • Central air/heating: $300 credit.
  • New Furnace: $150.
  • Geo-Thermal Heat Pump: $300.
  • New Water Heater: $300

You must complete IRS Form 5695 to claim a Residential Energy Credit. To access the form click here.

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