United States Property ROI Calculator

When purchasing property in United States, typical closing costs include: Title Insurance, Appraisal Fee, Home Inspection, Escrow / Settlement Fee, Attorney Fee, Recording Fees, Loan Origination Fee. These are paid by the buyer at or before completion, in addition to the purchase price and Transfer Tax.

Ongoing costs for property owners in United States typically include: Property Tax, HOA Fees, Homeowner's Insurance, Maintenance Reserve. These are annual costs that should be factored into your rental yield and cash flow calculations.

Capital Gains Tax (Federal) applies when you sell a property for more than you paid. Federal long-term capital gains tax applies to properties held more than 12 months. Rates are 0%, 15%, or 20% depending on taxable income. Rental properties are also subject to 25% depreciation recapture. A 3.8% Net Investment Income Tax (NIIT) surcharge applies above $200K/$250K income. Primary residence: $250K ($500K married) exclusion applies if occupied 2 of past 5 years. Your primary residence is exempt from capital gains tax.