Capital Gains Tax Rate 2024 Home Sale By Owner. How much you owe depends on your annual taxable income. If you have owned and lived in your main home for at least two of the five years leading up to the sale, up to $250,000 ($500,000 for joint filers) of your gain is tax.

These include primary residence exclusion,. You’ll pay 15 percent on capital gains if your income ranges from $44,626 to $492,300.