New York Capital Gains Tax Calculator
Calculate your 2026 capital gains tax in New York. New York taxes capital gains at rates up to 10.9%, plus federal taxes.
Original purchase price
Renovations, additions — added to your basis
Agent commissions, closing costs, title & transfer fees
Total Tax
$55,600
27.8% effective rate
Capital Gain
$200,000
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Tax Breakdown
Sale price minus selling costs and all taxes (before any mortgage payoff).
Federal
$33,800
NY State
$21,800
Effective Rate
27.8%
New York Capital Gains Tax
New York taxes capital gains as ordinary income at state rates up to 10.9% (on taxable income over $25 million in 2026). New York City residents add up to 3.876%. This calculator applies the 10.9% top state rate to the whole gain and leaves out city tax.
Long-term: Taxed as ordinary income (up to 10.9%, plus NYC tax for city residents)
Short-term: Taxed as ordinary income (up to 10.9%, plus NYC tax for city residents)
NIIT Applied
The 3.8% Net Investment Income Tax applies because your income exceeds $200,000.
New York Capital Gains Tax Details
Tax Treatment
Tax Type
Taxed as ordinary income
Maximum Rate
10.9%
Available Exemptions
- Federal home-sale exclusion ($250K single / $500K married filing jointly) flows through to the New York return
- Partial QSB stock exclusion
- Selling costs and capital improvements reduce the taxable gain
New York Capital Gains Tax FAQ
Official References
- IRS Topic 409: Capital Gains and Losses
Federal capital gains tax guidance
- IRS Publication 523: Selling Your Home
$250K / $500K home-sale exclusion, basis adjustments, and selling expenses
This calculator provides estimates. Consult a tax professional for advice specific to your situation in New York.
Track Your New York Investment Taxes
Jupid AI Accountant helps New York residents track investment income and calculate capital gains taxes automatically.