no, it doesn't include the capital gains itself.
If you are filing Married-Joint, there is no capital gains tax on the 1st $5,000 and then 15% on the remaining $95,000 of capital gains.
if you are filing Single, the capital gains is 15% on the whole $100,000.
nerdwallet has a good calculator:
https://www.nerdwallet.com/article/taxes/capital-gains-tax-rates
