2026 rates, every state
What a capital gain costs in tax, federal and state
A single filer with $80,000 of other income who sells shares held for more than a year at a $100,000 gain owes $15,000 of federal tax on it in 2026, 15% of the gain. Sold within a year, the same gain would cost $23,164. Then comes the state.
Capital gains tax calculator
How the federal tax on a gain works
A long-term gain is added on top of your other taxable income. The part of it that lands below the 0% threshold is not taxed, the part between the thresholds pays 15% and the rest 20%. A short-term gain is simply ordinary income at your bracket rates.
| Filing status | 0% rate | 15% rate | 20% rate |
|---|---|---|---|
| Single | $0 – $49,450 | $49,450 – $545,500 | over $545,500 |
| Married filing jointly | $0 – $98,900 | $98,900 – $613,700 | over $613,700 |
Questions
What is the capital gains tax rate in 2026?
0%, 15% or 20% for assets held more than a year, depending on taxable income; ordinary income rates for assets held a year or less. The 3.8% net investment income tax can apply on top, and most states add their income tax.
How much can I sell without paying federal capital gains tax?
A single filer with no other income pays 0% on long-term gains up to $65,550 in 2026 (the 0% threshold plus the standard deduction); a married couple filing jointly up to $131,100. Other income uses up that room first.
Which states do not tax capital gains?
States with no income tax do not, but Washington has its own tax on large long-term gains. See every state.
2026 federal rates from IRS Rev. Proc. 2025-32; state brackets from the Tax Foundation. Estimates, not tax advice: see the methodology.
How much does your state add?
Every state compared on the same $100,000 long-term gain, from no tax at all to $9,349.
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