{"id":57949,"date":"2024-06-24T13:49:46","date_gmt":"2024-06-24T17:49:46","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/thinking-of-selling-your-u-s-home-consider-these-5-questions-first\/"},"modified":"2025-10-31T08:38:38","modified_gmt":"2025-10-31T12:38:38","slug":"thinking-of-selling-your-u-s-home-consider-these-4-questions-first","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/thinking-of-selling-your-u-s-home-consider-these-4-questions-first\/","title":{"rendered":"Thinking of Selling Your U.S. Home? Consider These 4 Questions First"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\">\n\t\t\t\t\t\t\t<span>Real Estate<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Thinking of Selling Your U.S. Home? Consider These 4 Questions First<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-12-15T131148.352-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"A couple and their child look toward the U.S. home they&#039;re selling\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-12-15T131148.352-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-12-15T131148.352-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-2022-12-15T131148.352-1.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Thinking of Selling Your U.S. Home? Consider These 4 Questions First &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/thinking-of-selling-your-u-s-home-consider-these-4-questions-first\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/thinking-of-selling-your-u-s-home-consider-these-4-questions-first\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published June 24, 2024 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Over the last few years, the economy has been in flux, as higher interest rates, a low Canadian dollar and an increasing cost of living has affected the budget of Canadians living on both sides of the border.<\/p>\n\n\n\n<p>Given these factors, if you own U.S. real estate, you may be thinking of selling your home. Before you put it on the market, it\u2019s worth asking yourself a few questions first to see if now is the right time for you to sell.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. How much equity do you have in your home?<\/h2>\n\n\n\n<p>In some markets, the value of U.S. real estate rose sharply in value during the pandemic \u2026 and it hasn\u2019t really come down. While prices may have leveled off, depending on where your property is, you may have built up significant equity in your home. \u201cCanadians should understand the value of their U.S. home as a way of leveraging some of their equity,\u201d says Alain Forget, VP, Head of Sales and Business Development at RBC Bank.<\/p>\n\n\n\n<p>While selling your U.S. home might be a lucrative move, pulling the equity out with a Home Equity Line of Credit would provide you liquidity in U.S. funds. \u201cThat\u2019s liquidity without the 35-37% exchange rate available to you,\u201d says Forget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. What shape is your home in?<\/h2>\n\n\n\n<p>Does your home need any upgrades? The real estate markets in some U.S. hot spots can be very competitive, and your home may need to be move-in ready in order to sell for the price you\u2019re looking for.<\/p>\n\n\n\n<p>\u201cMany Canadian property owners are realizing their homes need upgrades,\u201d says Forget. If you\u2019re considering selling, consider the fact that you may need to spend some time and money on repairs and updates before you put your home on the market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Can you refinance?<\/h2>\n\n\n\n<p>\u201cMany Canadians have built up equity over time in their U.S. property,\u201d says Forget. \u201cEspecially if they purchased 12 years ago when the Canadian dollar and U.S. dollar were at par. This is a timely opportunity to consider refinancing.\u201d<\/p>\n\n\n\n<p>One suggestion Forget says is to refinance in order to lock in a rate for a term of three to ten years as a cash-out mortgage. Then you can use the funds to renovate or cover U.S. bills and expenses. \u201cIt\u2019s very beneficial to have U.S. cash on hand without the concern for fluctuating foreign exchange costs,\u201d says Forget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Are you aware of your U.S. tax<sup>1<\/sup>&nbsp;obligations?<\/h2>\n\n\n\n<p>In the U.S., like in Canada, if you sell your home for more than you paid for it, you\u2019re required to pay tax on the difference, minus some expenses \u2014 known as capital gains tax.<\/p>\n\n\n\n<p>And even as a Canadian resident, your tax obligation falls to the U.S. government first.<\/p>\n\n\n\n<p>If you have owned your property for at least a year, you will be subject to long-term capital gains tax at one of the following rates (as of 2024):<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>0% if you\u2019re a single taxpayer with a taxable income of less than $47,025<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>15% if you\u2019re a single filer with taxable income less than $518,900<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>20% if you\u2019re a single filer with a taxable income of more than $518,900<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Capital gains are taxed like ordinary income earned in the U.S. if you owned your property for less than a year.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<section class=\"wp-block-rbc-section-block section-cool-white pos-rel  has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block inner-section-white section-inner  pad-b-hlf pad-t-qtr has-fff-background-color has-background\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block inner-section-cool-white section-inner  pad-b-0 pad-t-0 has-f-5-f-8-f-9-background-color has-background\" style=\"border-radius:0x\">\n<div class=\"wp-block-columns  mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r mob-mar-r-0 is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large is-resized mar-b-0\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/08\/SMB_Tip_5_-_Woman_doing_online_shopping.jpg?w=1024\" alt=\"Woman in cafe shopping online with laptop\" class=\"wp-image-24851\" style=\"aspect-ratio:1.501466275659824;object-fit:cover;width:313px;height:auto\"\/><\/figure>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-6602a12a-c9d5-4a5c-9831-885e89fc0ec1\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n\n\n\n<div class=\"wp-block-column mar-r mob-mar-r-0 is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading mar-t-0 mar-b-0 pad-b mob-pad-b\" id=\"h-thinking-about-selling-your-u-s-property\">Thinking About Selling Your U.S. Property?<\/h3>\n\n\n\n<p>Whether you\u2019re still working and need a better savings strategy or you\u2019re retired and want to fine-tune an existing plan, take a step in the right direction today.<\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a4059e9b-245e-462d-8c4f-99293611e996\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p><a href=\"https:\/\/www.rbcbank.com\/dms\/cross-border-banking\/us-equity-i-b.html?utm_source=Blog&amp;utm_medium=organic&amp;utm_campaign=MMM\" data-dig-id=\"LP-58132-5a0e1eee\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format goto-link\" data-icon-class=\"goto-link\">Learn more<\/a><\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-59c1dbc5-4d35-4e9b-b5b5-473c7bcecf03\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<p><sup>1<\/sup>&nbsp;Consult your financial, tax, legal, and other professional advisors prior to applying for a U.S. mortgage.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-57351af0-fd37-482a-94a9-8e22f0f0bc92\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Thinking of Selling Your U.S. Home? Consider These 4 Questions First &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/thinking-of-selling-your-u-s-home-consider-these-4-questions-first\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/living-in-the-us\/thinking-of-selling-your-u-s-home-consider-these-4-questions-first\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-c2b13635-7620-4e5f-8b2b-439e4865c22c\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/home-ownership\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Home Ownership<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Real Estate<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"540\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-2162644435-student-credit.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Students smile while discussing student credit\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-2162644435-student-credit.jpg 4096w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-2162644435-student-credit.jpg?resize=300,158 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-2162644435-student-credit.jpg?resize=768,405 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-2162644435-student-credit.jpg?resize=1024,540 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/11\/iStock-2162644435-student-credit.jpg?resize=1536,810 1536w, 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href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/\">\n\t\t\t\t\t\tBuying or Refinancing a US Property\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/travel-and-cross-border\/buying-or-refinancing-a-us-property\/canadians-chasing-sun-fun-and-savings-what-american-real-estate-trends-reveal\/\" class=\"card-title h4 mar-t-0\">Canadians Chasing Sun, Fun and Savings: What American Real Estate Trends Reveal<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-6602a12a-c9d5-4a5c-9831-885e89fc0ec1 {\n\t\theight: 1px;\n\t}\n\n\t@media ( max-width: 480px ) 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