$350K Duplex: Your Cost Segregation Breakdown

Duplexes contain two full sets of kitchens, bathrooms, and finishes — doubling the 5-year personal property that qualifies for accelerated depreciation compared to a single-family home.

$53,200Accelerated Depreciation

$19,684Est. Year-1 Tax Savings

20xReturn on Study Cost

Adjust Your Numbers

Property Type

Purchase Price

$34,188

Estimated Year-1 Tax Savings

$53,200

Accelerated Deductions

$995

Study Cost

20x

ROI on Study

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Estimates are for illustration only. Details

MACRS Depreciation Breakdown

Accelerated Depreciation by MACRS Class

$92,400 total reclassified into shorter recovery periods

5-Year Property $30,800

11%

7-Year Property $30,800

11%

15-Year Property $30,800

11%

Estimated Year-1 Tax Savings $34,188

Illustrative estimate. Final allocations vary based on property facts and report findings.

Estimated deduction based on typical cost segregation allocations for duplex properties. Actual study results may vary based on property-specific analysis including age, condition, renovations, and local construction costs.

What This Means for You

$350K duplex rental property with two units qualifying for cost segregation tax savings

At $350K, duplexes are a popular entry point for house-hackers and small portfolio investors in markets like Kansas City, San Antonio, and Jacksonville. The two-unit structure is a cost segregation advantage: you get two kitchens, two bathrooms, two sets of flooring and finishes — each containing 5-year personal property.

The site improvements also scale with a duplex: separate utility connections, additional parking areas, shared walkways, and common-area lighting all qualify for 15-year treatment. Together, the accelerated components typically represent 19% of depreciable basis for a duplex, compared to 18% for a single-family rental at the same price.

At the 37% bracket, $53,200 in accelerated deductions generates nearly $20K in year-one savings against a $995 study cost. If you house-hack one unit and rent the other, the depreciation deduction applies to the rental portion of the property.

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Compare: $350,000 Across Property Types

Property Type	Accelerated	Tax Savings	Study Cost	ROI
Airbnb / STR ($300K)	$81,600	$30,192	$795	38x
Duplex ($350K)	$53,200	$19,684	$995	20x
Rental ($300K)	$43,200	$15,984	$795	20x
Duplex ($500K)	$76,000	$28,120	$995	28x

Frequently Asked Questions

Why do duplexes get more reclassified depreciation than single-family rentals?▼

Duplexes have two complete sets of kitchens, bathrooms, and unit-level finishes, plus shared site improvements. This duplication of 5-year personal property components means a higher percentage of the depreciable basis qualifies for accelerated treatment.

What is the study cost for a duplex?▼

Duplex cost segregation studies start at $995 for properties under $1M. The study covers both units and analyzes shared components like roofing, foundation, and site improvements alongside unit-specific items.

What is 100% bonus depreciation?▼

Under the One Big Beautiful Bill Act (signed July 2025), 100% bonus depreciation is permanently restored for 2025 and beyond. All 5-year, 7-year, and 15-year property identified in your cost segregation study can be deducted in full in year one.