North Carolina Capital Gains Calculator

Calculate your federal and North Carolina capital gains tax liability

2025

Calculate Your
North Carolina Capital Gains Tax

North Carolina taxes capital gains at its flat income tax rate, which is scheduled to be 3.99% for 2025.

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North Carolina Capital Gains Tax Highlights

Flat 3.99% rate for 2025
Same rate for all income levels
No special deductions
y

Enter Your Investment Details

Calculate your capital gains tax for North Carolina

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📊 Enter your annual taxable income before including this capital gain. This determines your capital gains tax bracket.

📊 Choose your investment holding period

Calculator optimized for North Carolina tax rates

Tax Calculation Results

Your capital gain is: $0.00
Estimated capital gains tax: $0.00
Federal Tax: $0.00
North Carolina Tax: $0.00
Net Proceeds After Tax: $0.00
Effective Tax Rate: 0.00%
Disclaimer: Estimate excludes NII taxes, deductions, credits, and losses. Consult a tax advisor.

How North Carolina Taxes Capital Gains

North Carolina taxes capital gains at its flat income tax rate, which is scheduled to be 3.99% for 2025.

2025 Tax Brackets

0% Rate (Single): Up to $48,350
15% Rate (Single): $48,351 - $533,400
20% Rate (Single): Over $533,400

North Carolina Tax Details

Tax Rate Structure

Flat Rate: 3.99%

North Carolina applies a flat rate to all capital gains regardless of income level.

Key Requirements

Filing Required: If gain exceeds threshold
State Due Date: April 15

North Carolina Tax Strategies

  • • Consider timing of asset sales for tax efficiency
  • • Coordinate with federal capital gains strategies
  • • Review loss harvesting opportunities

• Consult with North Carolina tax professional for complex situations

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Real Estate in North Carolina

Real estate capital gains in North Carolina are subject to both federal and state tax considerations:

North Carolina Real Estate Tax Rate

Real estate capital gains in North Carolina are taxed at a flat rate up to 3.99%.

Primary Residence

Federal Rules

Federal Exclusion: $250K/$500K
Holding Period: 2 of 5 years

North Carolina State Rules

State tax applies to gain above federal exclusion

Must file state return if gain exceeds exclusion

Additional Requirements:
  • • Follows federal IRC Section 121.

Investment Property

Tax Deferral Strategies

1031 Like-Kind Exchanges

Defer federal taxes on investment property exchanges

1031 Conformity: ✓ Yes
Bonus Depreciation: ✗ Not Allowed

Transfer Costs

Transfer Tax

State Rate: $1 per $500 of value (Real Estate Excise Tax)
Paid By: seller
Available Exemptions:
  • • Certain family transfers
  • • Transfers to secure a debt.

Recording Fees

Deed Recording: $26 for the first 15 pages, $4 for each additional page.
Mortgage Recording: $64 for the first 35 pages, $4 for each additional page.
Special Deductions & Notes:
  • • The disallowed bonus depreciation is deducted over a five-year period.

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Property Tax Exemptions

Homestead

$25K

Maximum exemption

Senior (65+)

$25K

Additional exemption

Veteran

$45K

Disabled veteran exemption

North Carolina Real Estate Specifics

• North Carolina levies a Real Estate Excise Tax of 0.2%, paid by the seller.

• The state does not conform to federal bonus depreciation and has its own add-back and deduction rules.

• Homestead property tax relief is targeted to elderly, disabled, and veteran homeowners who meet specific criteria.

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North Carolina Filing Requirements

Due Dates
Annual Return: April 15
Extension: October 15
Quarterly Est.:
January 15
April 15
June 15
September 15
Required Forms
  • • Form D-400
  • • Capital gains schedule
  • • Federal Form 8949 & Schedule D
Payment Options
  • • Online payment portal
  • • Electronic funds transfer
  • • Check or money order

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Compare North Carolina to Other States

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© 2025 CapitalGainsTaxCalculator.us - For informational purposes only. Consult a tax professional for advice.