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Definition

Depreciation recapture is the tax owed at sale on the depreciation an owner already deducted. Because each year's deduction lowered the property's tax basis, the gain at sale is larger, and the portion attributable to depreciation is taxed at its own rate rather than at the long-term capital gains rate.

How to read it
How to read it
  • It applies to depreciation ALLOWED, not only depreciation taken. Not claiming it does not avoid the recapture.
  • It is taxed separately from capital gain, and at its own maximum rate, so a single blended assumption understates the bill.
  • A 1031 exchange defers it with the rest of the gain. That is a structure with deadlines, not a decision made at closing.
  • Rates and rules change. This is orientation, and the number on a specific sale belongs with a CPA.
An example
An example

The same building held five years, on the depreciation the earlier example produced, at the rate that applies to this category of gain.

Annual depreciation taken$40,715
Years held5
Depreciation to be recaptured$186,580
Rate on this category of gain25%
Tax on recapture at sale$46,645

The deduction was real and so is the bill. Depreciation is a deferral, and the sale is when the deferral ends.

Note

Tax mechanics change and individual situations differ. Treat this as orientation, not tax advice; the numbers on a specific transaction belong with a CPA or qualified intermediary.

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