How Capital Gains Taxes Trap Boomers and What It Means for Buyers in 2026
Posted by Paul Burrowes on
That oversized house on a sunny Santa Cruz Street — the one with the garden full of memories — isn’t just a home. For many baby boomers’ real estate owners, it’s a nest egg, a lifetime of savings and decisions wrapped into one address. But now, a quirk in tax law is doing something unexpected: it’s locking many long-time Santa Cruz owners into homes they’d rather leave. That lock? capital gains tax Santa Cruz realities and the math that follows a sale.
This post explains how capital gains tax home selling rules are freezing the market in Santa Cruz, what it means for real estate buyers and sellers, the local communities, and practical steps you — whether buyer, seller, or advisor — can use to navigate the next year (and beyond). I’ll ground the…
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