New Hampshire variant. This is a New Hampshire-specific version of the Stock Sale Capital Gains Tax Estimator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Stock Sale Capital Gains Tax Estimator.
Most states tax capital gains as ordinary income. In New Hampshire, that means a top rate of 0% on gains - except there is no state income tax, so realized gains face only federal tax.
Capital gains tax in New Hampshire
Federally, long-term gains are taxed at 0%, 15%, or 20% depending on income, plus a possible 3.8% net investment income tax. New Hampshire adds no state tax on those gains.
Short-term gains (assets held under a year) are taxed as ordinary income at both levels - usually the most expensive outcome.
About taxes and housing in New Hampshire
New Hampshire imposes no tax on earned wage income and no general sales tax, though it has historically taxed certain interest and dividend income.
New Hampshire relies heavily on property taxes, with one of the highest effective rates in the nation near 1.9%, and median home values around $470,000.
New Hampshire's economy benefits from its proximity to Boston, with strengths in manufacturing, technology, and cross-border retail spending.
Worked example: $50,000 long-term gain
A $50,000 long-term gain in New Hampshire owes only federal tax (e.g., $7,500 at the 15% bracket) - New Hampshire adds $0.
Quick reference
- State income tax: No income tax on wages (3% on interest/dividends, phasing out)
- State sales tax: 0% (plus 0.00% avg local)
- Median home value: $470,000
- Median household income: $90,845
- Effective property tax rate: 1.93%
- Avg auto insurance: $1,064/yr
Frequently Asked Questions
Does New Hampshire tax capital gains?
New Hampshire has no state income tax, so realized gains face only federal tax.
What's the difference between short and long-term gains?
Assets held over a year get preferential long-term federal rates (0/15/20%); shorter holds are taxed as ordinary income.