Estimate Your Rental Property Tax Savings

Most rental property owners save $15K–$60K+ in Year 1 with a cost segregation study. Even a basic single-family rental has components that qualify for accelerated depreciation.

$795 study → typically $15K–$60K+ in tax savings

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Estimated Year-1 Tax Savings
Accelerated Depreciation
Depreciable Basis (80%)
Study Cost
Return on Study

MACRS Class Breakdown

5-Year
7-Year
15-Year
27.5-Year
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This is an estimate based on standard assumptions for similar rental properties. Actual results may vary based on land allocation, furnishings, renovations, and property details. Full disclaimer
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How Cost Segregation Works for Rental Properties

When you buy a rental property, the IRS requires you to depreciate it over 27.5 years. That means on a $500K property (after land), you deduct about $14,500 per year. A cost segregation study changes that math dramatically.

What Gets Reclassified?

Components like flooring, cabinetry, countertops, appliances, plumbing fixtures, electrical outlets, landscaping, driveways, and fencing don't need to be depreciated over 27.5 years. They qualify for 5, 7, or 15-year recovery periods — and with 100% bonus depreciation, you deduct them entirely in Year 1.

Even Unfurnished Rentals Benefit

You don't need a furnished property to benefit. Even a basic long-term rental has 15–20% of its depreciable basis in accelerated classes. On a $400K property, that's $48K–$64K in first-year deductions.

Works for Properties You Already Own

You don't need to have purchased recently. If you've been depreciating straight-line for years, you can file a "catch-up" study using IRS Form 3115 and take all the missed accelerated depreciation in a single year — no amended returns needed.

Rental Property Cost Segregation Examples

See detailed breakdowns for single-family rentals, duplexes, and multifamily properties.

Rental Property Cost Segregation FAQ

What is cost segregation for rental properties?

A cost segregation study reclassifies components of your rental — flooring, cabinetry, appliances, landscaping, driveways — into shorter depreciation periods (5, 7, and 15 years) instead of the default 27.5 years. With 100% bonus depreciation, the entire reclassified amount is deductible in Year 1.

Can I do cost segregation on a property I bought years ago?

Yes. You can file a "lookback" study using IRS Form 3115 (change of accounting method) and take all the missed accelerated depreciation in a single year. No amended returns needed. This works for any property you currently own and hold as a rental.

Is 100% bonus depreciation still available?

Yes. 100% bonus depreciation is available for property placed in service in 2025 and beyond under current federal tax law. All property reclassified through cost segregation is eligible for full first-year deduction.

What's the minimum property value?

Cost segregation typically delivers positive ROI on properties valued at $200K and above for investors in the 24%+ tax bracket. Our studies start at $795 for residential properties.