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US home sale capital gains calculator
US tax on selling your main home after the $250k / $500k exclusion — including a UK home.
About this calculator
What it estimates
US capital gains tax on the sale of your main home after the Section 121 exclusion of $250,000 (single) or $500,000 (married filing jointly).
Assumptions (US 2025 tax year rates)
- •Exclusion available if you owned and used the home as your main residence for at least 2 of the 5 years before sale
- •Remaining gain taxed at long-term rates (0% / 15% / 20%) on top of other income
- •NIIT and state tax not added
Estimates only, for orientation. Rates and thresholds change each tax year and your actual liability depends on facts this tool does not ask for. This is not tax advice.
For US–UK filers
Why your real number differs
A UK home is fully within these rules for a US person. The gain is computed in dollars using the exchange rate on the purchase date and the sale date, so a house that barely rose in sterling can show a large dollar gain — or loss — and paying off a sterling mortgage can create a separate taxable currency gain. UK private residence relief does not apply on the US side.