看来房子也是永远不卖好，不用交税， 直接留给孩子。 When you inherit a house, the cost basis (or “base”) for tax purposes is generally calculated using a rule called "step-up in basis." ✅ Step-Up in Basis (U.S. rules): The basis of the inherited property is stepped up to its fair market value (FMV) on the date of the original owner's death. 🧮 Example: Your parent bought the house in 1980 for $100,000. They passed away in 2024, and the house is worth $900,000 at that time. You inherit the house in 2024. 👉 Your cost basis is $900,000 (not the original $100,000). If you sell it for $920,000 later, your capital gain is only: bash CopyEdit $920,000 (sale price) - $900,000 (stepped-up basis) = $20,000 gain 📌 Key Points: If the estate chooses an alternate valuation date (6 months after the date of death), that FMV could be used instead, but only if it lowers both the value of the gross estate and the estate tax. If multiple heirs inherit, each gets a proportional basis based on their share. ⚠️ No Step-Up When Gifted: If the house was gifted to you before death, the original owner’s basis usually carries over. You do not get a step-up.
step up in basis，去世的那一刻所有算作遗产的资产的capital gain全部清零，不光是房产，股票等资产都算。 这就是富人标准的“buy，borrow，die”操作里最后一步关于”die“的操作。 中产的“buy，borrow，die”，buy部分就是投资美股大盘，长期持有，一直不卖，最后step up in basis，完美避掉所有capital gain： 系统提示：若遇到视频无法播放请点击下方链接 https://www.youtube.com/embed/Qy0OWkCsm5k 这也是为啥不搞个股的原因，因为个股不能一直不卖，再好的公司也会有倒掉的那一天。
QuantumWorld 发表于 2025-06-24 18:19 step up in basis，去世的那一刻所有算作遗产的资产的capital gain全部清零，不光是房产，股票等资产都算。 这就是富人标准的“buy，borrow，die”操作里最后一步关于”die“的操作。 中产的“buy，borrow，die”，buy部分就是投资美股大盘，长期持有，一直不卖，最后step up in basis，完美避掉所有capital gain： 系统提示：若遇到视频无法播放请点击下方链接 https://www.youtube.com/embed/Qy0OWkCsm5k 这也是为啥不搞个股的原因，因为个股不能一直不卖，再好的公司也会有倒掉的那一天。
When you inherit a house, the cost basis (or “base”) for tax purposes is generally calculated using a rule called "step-up in basis." ✅ Step-Up in Basis (U.S. rules): The basis of the inherited property is stepped up to its fair market value (FMV) on the date of the original owner's death. 🧮 Example: Your parent bought the house in 1980 for $100,000. They passed away in 2024, and the house is worth $900,000 at that time. You inherit the house in 2024. 👉 Your cost basis is $900,000 (not the original $100,000). If you sell it for $920,000 later, your capital gain is only: bash CopyEdit $920,000 (sale price) - $900,000 (stepped-up basis) = $20,000 gain 📌 Key Points: If the estate chooses an alternate valuation date (6 months after the date of death), that FMV could be used instead, but only if it lowers both the value of the gross estate and the estate tax. If multiple heirs inherit, each gets a proportional basis based on their share. ⚠️ No Step-Up When Gifted: If the house was gifted to you before death, the original owner’s basis usually carries over. You do not get a step-up.
I see. 那就卖掉好了， 0 tax.
you inherited the lower property tax if you use it as a primary residence within one year, for up to one million
这就是富人标准的“buy，borrow，die”操作里最后一步关于”die“的操作。
中产的“buy，borrow，die”，buy部分就是投资美股大盘，长期持有，一直不卖，最后step up in basis，完美避掉所有capital gain：
系统提示：若遇到视频无法播放请点击下方链接
https://www.youtube.com/embed/Qy0OWkCsm5k 这也是为啥不搞个股的原因，因为个股不能一直不卖，再好的公司也会有倒掉的那一天。
我前几天看一个视频刚知道的， 这个感觉很不合理阿。 太奇葩了。
巨富有遗产 cap 吧， 不太懂。