Stiba Wealth Management Group

Some lawmakers are exploring changes to capital gains taxes on home sales to address the ongoing housing shortage.

Currently, homeowners can exclude up to $250,000 in profits for single filers and $500,000 for married couples filing jointly when selling a primary residence. These limits have remained unchanged since 1997.

However, rising home values mean more sellers may now exceed those thresholds. Estimates suggest that about 8 million households—roughly 10 percent—could exceed the $500,000 exemption for married couples.

Supporters of potential changes argue that adjusting the rules could encourage long-time homeowners with significant equity to sell, potentially increasing housing supply. Others question whether tax adjustments alone would meaningfully address affordability challenges.

As housing policy discussions continue, proposals like these highlight the complex relationship between tax policy, housing supply, and market dynamics.


Source:

There’s a push to cut capital gains taxes on home sales — how it could impact the housing market Some lawmakers want to reduce or eliminate capital gains on home sales. Here's how that could impact housing affordability.

June is National Homeownership Month—a time to recognize what homeownership means to millions of Americans.

It's more than a roof and four walls. For many families, it's where milestones happen. First steps, first dinners around your own table, the feeling of pulling into a driveway that's yours.

According to a 2025 Coldwell Banker survey, 85% of Americans still consider owning a home a key part of the American Dream.

That says something.

Whether you've owned for decades or you're still working toward it, this month is about honoring that aspiration and the meaning behind it. 🏡



Sources:
ColdwellBanker.com, November 10, 2025
Realtor.com, December 29, 2025

If you or someone in your family is still in school—or heading back in the fall—now is the time to make sure your FAFSA form is in.

A few things worth knowing:
⏰ The federal deadline is June 30. State and school deadlines are often earlier.
⏰ Many types of aid are first-come, first-served. Waiting could cost money.
⏰ You can make corrections after submission, but the form needs to be in first.

Don't let a deadline get in the way of money that's already available to you.