Pennsylvania Capital Gains Tax Calculator
Calculate your 2026 capital gains tax in Pennsylvania. Pennsylvania taxes capital gains at rates up to 3.07%, plus federal taxes.
Original purchase price
Renovations, additions — added to your basis
Agent commissions, closing costs, title & transfer fees
Total Tax
$39,940
20.0% effective rate
Capital Gain
$200,000
See the tax write-offs you're missing
Jupid tracks your investment and business taxes year-round — no April surprises.
Tax Breakdown
Sale price minus selling costs and all taxes (before any mortgage payoff).
Federal
$33,800
PA State
$6,140
Effective Rate
20.0%
Pennsylvania Capital Gains Tax
Pennsylvania taxes capital gains at its flat 3.07% rate and makes no distinction between short-term and long-term gains. Losses offset gains only within the same year; they cannot reduce wages or other classes of income or carry forward. Pennsylvania exempts the entire gain on a qualifying principal residence, while this calculator caps the exclusion at the federal $250,000 / $500,000. Philadelphia residents also pay the city School Income Tax (3.74% for 2025) on short-term capital gains, on top of the state tax.
Long-term: 3.07% flat rate (no long-term/short-term distinction)
Short-term: 3.07% flat rate
NIIT Applied
The 3.8% Net Investment Income Tax applies because your income exceeds $200,000.
Pennsylvania Capital Gains Tax Details
Tax Treatment
Tax Type
Flat tax rate
Maximum Rate
3.07%
Available Exemptions
- Gain on a principal residence owned and lived in for 2 of the last 5 years is fully exempt; Pennsylvania does not follow the federal $250K / $500K limits
- Selling costs and capital improvements reduce the taxable gain
Pennsylvania 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
- Pennsylvania DOR — PA Personal Income Tax Guide: Net Gains from the Sale of Property
Pennsylvania state capital gains rules
This calculator provides estimates. Consult a tax professional for advice specific to your situation in Pennsylvania.
Track Your Pennsylvania Investment Taxes
Jupid AI Accountant helps Pennsylvania residents track investment income and calculate capital gains taxes automatically.