泛宇財經速報 貸款資訊知曉 7-20-2026

加州四分之一的房屋賣家面臨資本利得稅

Cotality 最新數據顯示，房價上漲 147%，遠超聯邦稅收門檻的凍結水平

四分之一的加州房主在出售主要住宅時，淨賺超過 50 萬美元。根據房地產數據公司 Cotality 的最新分析，這筆利潤將觸發資本利得稅，因為聯邦法規近三十年來未更新。

Cotality 的數據顯示，過去 15 年裡，美國房價上漲了 147%，而自 1997 年《納稅人救濟法案》通過以來，美國國稅局 (IRS) 的第 121 條款免稅額一直維持在單身納稅人 25 萬美元、夫妻聯合申報 50 萬美元。結果是，一代房主帳面上看似富裕，但實際上卻受到許多限制。

全國範圍內的供應緊張

這種壓力正在蔓延到加州以外的地區。根據Cotality的調查結果顯示，在夏威夷，21%的賣家超過了免稅門檻。在華盛頓州，這一比例為19%。儘管華盛頓州的房價中位數比加州和夏威夷低近10萬美元，這表明這兩個市場的房價漲幅陡峭且波動較大。

Cotality首席經濟學家Archana Pradhan表示：“擁有房產仍然是財富積累的基石，但停滯不前的資本利得稅門檻正日益影響著房主獲取這些收益的方式和時間。”

供應方面的影響是直接且可衡量的。許多房主並沒有像原計劃那樣縮小住房面積、搬遷或擇時出售退休房產，而是選擇留在原地，悄悄地減少房源掛牌，而這個市場本​​就面臨著庫存短缺的問題。

對於在供應緊張的大都會地區開展業務的經紀人來說，Cotality的調查結果加劇了他們不願出售房產的結構性阻力，而單靠利率調整無法消除這種阻力。

超越沿海地區

Cotality 的州級數據顯示，這現象的影響範圍遠超陽光地帶和太平洋沿岸。

南達科他州超過免稅門檻的房主數量在兩年內翻了一番。

西維吉尼亞州在全國排名中上升了四位，這清楚地表明，這種情況不再局限於沿海地區。

「房屋淨值是真實存在的，但過時的資本利得稅門檻限制了房主靈活運用這筆資金的能力，降低了其作為流動財富積累工具的作用，」Pradhan 表示。

對於負責處理購屋交易的經紀人來說，這種摩擦更加嚴重。越來越多的潛在改善型購屋者和換小屋者在計算下一筆房貸之前，都會先計算自己的稅務風險。

持續到 2026 年的新房源短缺問題一直困擾著美國房地產市場，其成因多種多樣——Cotality 的分析表明，稅收政策凍結是其中之一。

另一方面，隨著富裕買家將美國房價推至歷史新高，那些能夠自由交易的人和那些實際上被稅收規則束縛的人之間的差距正在進一步擴大。

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