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Level 1
posted Sep 27, 2022 7:36:41 AM

Tax on sale of primary residence owned longer than 2 years

My parents sold their primary residence and had a taxable gain of 1,000,000 on the sale (that's after the 500,000 exclusion). Their annual income before the gain is 82000 which I thought put them in the 15% bracket for long term capital gains (owing $150,000) but Turbo Tax calculates that they owe 20% ($200,000). Please explain why they are being taxed at 20% and not 15%.

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1 Best answer
Level 15
Sep 27, 2022 8:11:59 AM

Despite the fact that your parents' income before the gain is $82,000, their gain on the sale of the residence ($1 million) is added to that $82,000 to arrive at their AGI (adjusted gross income). As a result, that increases their capital gains tax rate (i.e., the capital gain counts toward their AGI for tax purposes).

2 Replies
Level 15
Sep 27, 2022 8:11:59 AM

Despite the fact that your parents' income before the gain is $82,000, their gain on the sale of the residence ($1 million) is added to that $82,000 to arrive at their AGI (adjusted gross income). As a result, that increases their capital gains tax rate (i.e., the capital gain counts toward their AGI for tax purposes).

Level 15
Sep 27, 2022 10:11:45 AM

in your tax return, there will be a form/worksheet where the tax is calculated  - something like the qualifified dividend and long-term capital gain worksheet