Long term capital gains rates (For both real estate and stocks) are based on your overall taxable income and filing status. See below table.
Long-term capital gains tax rates for the 2025 tax year
| Filing status |
0% rate |
15% rate |
20% rate |
| Single |
Up to $48,350 |
$48,351 – $533,400 |
Over $533,400 |
| Married filing jointly |
Up to $96,700 |
$96,701 – $600,050 |
Over $600,050 |
| Married filing separately |
Up to $48,350 |
$48,351 – $300,000 |
Over $300,000 |
| Head of household |
Up to $64,750 |
$64,751 – $566,700 |
Over $566,700 |
For real estate, if property is rental property or was rented in prior years, you will have to recapture depreciation that was allowed or allowable. Depreciation recapture amount is taxed at short term capital gain rate, capped at 25%. Any remaining gain will be taxed at long term rate assuming property was held more than one year.
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