Investors & landlords

Yes, your long term capital gains are added to your other income to determine your tax bracket and which of the capital gains tax rates (0%, 15%, or 20%) apply to you. Although most people pay 15%, it is not automatic. 

 

Capital gains tax rate 2025

The following rates and brackets apply to long-term capital gains on assets sold in 2025, which are reported on taxes filed in 2026.

Tax rate

Single

Married filing jointly

Married filing separately

Head of household

0%

$0 to $48,350

$0 to $96,700

$0 to $48,350

$0 to $64,750

15%

$48,351 to $533,400

$96,701 to $600,050

$48,350 to $300,000

$64,751 to $566,700

20%

$533,401 or more

$600,051 or more

$300,001 or more

$566,701 or more

Short-term capital gains are taxed as ordinary income according to federal income tax brackets.