05/28/2026
It sounds absurd when you say it out loud. But I hear it constantly.
Here are the actual numbers on a typical OC home, bought at the 2001 median price:
• Bought for ~$360,000. Worth today: ~$1,400,000.
• Total gain: $1,040,000
• $500,000 exits completely tax-free (married filing jointly)
• Taxable portion: $540,000. Combined fed + CA bill: ~$180,000.
• What you actually keep: ~$860,000 in profit
That's 83% of a million-dollar gain in your pocket.
Capital gains taxes are real. But so is $860,000. If the tax math has been keeping you in a house that stopped fitting your life, let's run your numbers together.
DM me or drop a comment.
(example uses median home prices)