Standard exemption in the US for a married couple is around $30k. If your mortgage is so massive that the mortgage tax deduction is better than the standard deduction then in most cases you bought a far too luxurious house or in a far too “prestigious” location(SF, NYC, etc.). If you’re not already a millionaire you shouldn’t buy such property.
Standard deduction for single people is 15k. SALT can get you to 10k, and anything past 5k in mortgage interest (at 5% rates and 100k balance, you're already at the point) is gain over the std deduction. 22.5% on those dollars for many people. More depednnding on state tax.
As someone else commented, things can of course always change, but as things stand today, it takes a very large mortgage and/or very significant other deductibles to get over the standard deductible at this point in the US.
