Florida Capital Gains Tax Calculator
For the 2026 tax year, Florida does not levy a state personal income tax, so capital gains owe no Florida state tax. Only federal capital gains tax applies.
Updated for the 2026 tax year (IRS Rev. Proc. 2025-32; Florida Constitution Art. VII §5; Florida Department of Revenue (floridarevenue.com)) Last reviewed
Reviewed by Hassan Ahmed, Founder and Software Developer. Not a licensed tax advisor.
Florida state capital gains
No state tax
Florida levies no state personal income tax, so capital gains are taxed only at the federal level — 0% / 15% / 20% for long-term gains, ordinary IRS rates for short-term.
How Florida taxes capital gains
Florida has no state personal income tax, so neither long-term nor short-term capital gains are taxed at the state level. Florida residents pay only federal capital gains tax: short-term at ordinary IRS rates, long-term at the preferential 0% / 15% / 20% schedule, plus the 3.8% Net Investment Income Tax above income thresholds. The absence of state capital gains tax is a meaningful draw for retirees and investors relocating from high-tax states like California, New York, or New Jersey.
Federal capital gains calculator
The calculator below estimates federal tax on your gain. That figure is the full capital gains tax bill for a Florida resident.
Estimated federal income tax
$17,580
On ordinary income
$13,830
On long-term gains
$3,750
Total taxable income
$111,900
Effective rate (all income)
13.7%
Ordinary income bracket slices
| Rate | Taxable in slice | Tax |
|---|---|---|
| 10% | $12,400 | $1,240 |
| 12% | $38,000 | $4,560 |
| 22% | $36,500 | $8,030 |
Long-term gain is stacked after ordinary taxable income for 0% / 15% / 20% rates (2026 IRS thresholds).
2025 vs 2026: what changed
Compared with the 2025 tax year, the main 2026 changes for capital gains in Florida are higher 0% and 15% federal rate ceilings and a higher standard deduction (IRS Rev. Proc. 2025-32 sec. 4.03; IRS Rev. Proc. 2025-32).
| Item | 2025 | 2026 | Change | Source |
|---|---|---|---|---|
| Long-term 0% rate ends at, single | $48,350 | $49,450 | +$1,100 (+2.3%) | IRS Rev. Proc. 2025-32 sec. 4.03 |
| Long-term 0% rate ends at, married filing jointly | $96,700 | $98,900 | +$2,200 (+2.3%) | IRS Rev. Proc. 2025-32 sec. 4.03 |
| Long-term 15% rate ends at, single | $533,400 | $545,500 | +$12,100 (+2.3%) | IRS Rev. Proc. 2025-32 sec. 4.03 |
| Long-term 15% rate ends at, married filing jointly | $600,050 | $613,700 | +$13,650 (+2.3%) | IRS Rev. Proc. 2025-32 sec. 4.03 |
| Standard deduction, single | $15,750 | $16,100 | +$350 (+2.2%) | IRS Rev. Proc. 2025-32 |
| Standard deduction, married filing jointly | $31,500 | $32,200 | +$700 (+2.2%) | IRS Rev. Proc. 2025-32 |