Some of us actually own home(s) and have "business" expenses kid. Where are you getting your numbers from? el surdo
It's progressive- you only pay the 28% on income over $74k, not all the income. Add in deductions and I think I gave you a good guestimate earlier. I fall into the 33% bracket and I told you I paid an effective rate of under 13% including state taxes. 15-20% will work for planning purposes.