Are there new tax advantages coming in 2026 that could impact your home buying or selling plans?

Short answer: possibly—but only if you understand which proposals are gaining traction and how they could apply to your situation. Several tax-related ideas are being discussed that may affect real estate decisions in 2026, and knowing what to watch now can help you plan more confidently.

Why 2026 Is on the Radar for Real Estate Taxes

Tax policy often shifts after major election cycles, and 2026 is shaping up to be a year when existing tax rules may sunset, adjust, or be restructured. For both buyers and sellers, that means opportunities and uncertainties.

While nothing is final until legislation is passed and implemented, here are the key themes gaining attention.

Potential Tax Changes Buyers Are Watching

For buyers, much of the conversation centers on affordability and entry into homeownership. Proposals being discussed nationally include:

• Expanded or revised first-time buyer tax credits
• Adjustments to how mortgage interest deductions apply to primary residences
• Incentives tied to long-term ownership rather than short-term resale

If enacted, these types of changes could reduce the effective cost of buying—especially for buyers who plan to stay put for several years.

What Home Sellers Should Pay Attention To

Sellers are watching a different set of possibilities, especially around capital gains and timing.

Current rules allow many primary-residence sellers to exclude a portion of gains, but future proposals may:

• Adjust exclusion thresholds
• Reinforce incentives for owner-occupied homes
• Discourage short holding periods through tax treatment changes

For homeowners with significant equity, when you sell in relation to tax law changes could matter more than ever.

Why Planning Ahead Matters (Even Without Final Rules)

One common mistake is waiting for “certainty.” In reality, the best opportunities often go to those who prepare early—even when policies aren’t finalized.

1. Understand your current tax position
2. Estimate how different scenarios could affect your net outcome
3. Coordinate timing with trusted tax and real estate professionals

You don’t need to predict the future—you just need to stay informed.

The Bottom Line for 2026

While no new tax advantage is guaranteed yet, 2026 is shaping up to be a meaningful year for real estate tax strategy. Buyers may see renewed incentives aimed at affordability, while sellers could benefit from thoughtful timing and long-term planning.

The smartest move right now is awareness. When rules change, those who are already prepared tend to benefit the most.

What Should You Do Next?

If you’re thinking about buying or selling in the next 12–24 months, now is the time to start the conversation. Understanding how potential tax changes could affect your move helps you plan from a position of strength—not reaction.

Talk Through Your 2026 Timeline

Want help mapping out your best timing and next steps? Reach out and I’ll help you build a smart plan based on your goals and the current market.

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Note: This content is for general informational purposes and is not tax or legal advice. Consult a qualified professional for guidance on your specific situation.