Each year, taxpayers across Rockwall, Heath, and Rowlett leave money on the table—not because of mistakes, but because they simply don’t know what they qualify for. Tax credits directly reduce your tax liability dollar-for-dollar, making them one of the most valuable tools in your return. Unlike deductions, which reduce taxable income, credits reduce the actual amount you owe.
At Brozewicz CPA, we help clients uncover overlooked tax credits and apply them accurately. Here are the most commonly missed credits—and why working with a local CPA can ensure you don’t miss out.
1. Child and Dependent Care Credit
If you pay for daycare, after-school programs, or a nanny while working or looking for work, you may be eligible for a tax credit—up to 35% of qualifying expenses. Many Rockwall-area families think this only applies to young children, but dependents with disabilities may also qualify.
2. American Opportunity and Lifetime Learning Credits
Families in Rowlett and Heath with children in college often miss out on the American Opportunity Credit (up to $2,500 per student) or the Lifetime Learning Credit (up to $2,000). The eligibility rules differ—and claiming the wrong one can cost you. A CPA can determine which applies and ensure you meet documentation requirements.
3. Saver’s Credit
Are you contributing to a retirement plan on a moderate income? The Saver’s Credit offers up to $1,000 for individuals and $2,000 for joint filers who contribute to a 401(k), IRA, or similar account. Many Rockwall residents overlook this simply because it’s less publicized. Take a visit here.
4. Energy Efficiency Credits
If you installed new insulation, windows, doors, or HVAC systems in your home during the year, you may be eligible for energy efficiency tax credits. This is especially valuable for Rockwall County homeowners who completed upgrades in 2025 ahead of rising utility costs.
5. Earned Income Tax Credit (EITC)
This is one of the most powerful and most missed credits, especially among part-time workers and those with fluctuating income. Even if you don’t have kids, you may still qualify if your income is low enough.
Why a CPA Makes the Difference
Credits come with specific qualifications, phase-out limits, and documentation rules. Tax software may not catch every opportunity or warn you when you’ve misapplied a credit. Working with a CPA ensures your eligibility is verified, every required form is filed correctly, and your return is fully optimized.
To see how a tax professional can help you uncover savings opportunities, review our guide to maximize tax credits with a Rockwall CPA.
Final Thought
Even if your income isn’t high, there may be credits you qualify for that dramatically reduce or even eliminate your tax liability. Don’t leave that money behind.
4. Itemized vs Standard Deduction: What Works Best for Rockwall County Taxpayers?
One of the most important decisions you’ll make when filing your taxes is whether to take the standard deduction or itemize. The right choice can mean the difference between overpaying and keeping more of your hard-earned money.
For individuals in Rockwall, Sachse, Lavon, and Heath, this decision is highly dependent on your income, expenses, and filing status. At Brozewicz CPA, we help clients assess both options and choose the one that results in the lowest tax bill.
What Is the Standard Deduction?
The IRS offers a flat reduction in taxable income called the standard deduction. For 2025 returns filed in 2026, the standard deduction amounts are:
- $14,000 for single filers
- $28,000 for married filing jointly
- $20,800 for heads of household
If your itemized expenses don’t exceed these amounts, the standard deduction is the better choice.
When Should You Itemize?
You should consider itemizing if your deductible expenses exceed the standard deduction. Common itemizable deductions include:
- Mortgage interest
- State and local property taxes (up to $10,000 SALT cap)
- Charitable donations
- Significant medical expenses (exceeding 7.5% of AGI)
- Casualty and theft losses in federally declared disaster areas
In cities like Sachse or Lavon where property taxes can be higher, homeowners may benefit from itemizing.
Common Scenarios in Rockwall County
- New Homeowners in Heath – If you purchased a home in 2025 and paid mortgage interest and property taxes, you may cross the itemization threshold.
- High Charitable Givers in Rowlett – If you made substantial donations, including non-cash items, itemizing may provide greater savings.
- Medical Events – A surgery, dental work, or major healthcare costs can tip the scale toward itemization, especially for retirees on a fixed income.
CPA Strategy: Run Both Scenarios
At Brozewicz CPA, we run both the itemized and standard scenarios to determine which benefits you most. We also ensure your documentation is ready in case of an IRS review—especially important if you’re near the threshold or your deductions may vary next year.
Local Expertise Matters
Texas does not have a state income tax, but Rockwall County property taxes can significantly affect your federal return. A local CPA understands the local tax landscape and how it interacts with federal guidelines.
To learn more about how we help Rockwall County residents file with confidence, explore our guide on individual tax filing guidance in Rockwall TX.
Final Advice
If you’re not sure which deduction path is best, don’t guess. Let a CPA walk you through both sides of the equation and make sure your tax filing is as financially efficient as possible. Keep reading.
