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Tax Talk: Real Estate Moves That Could Save You Money Before Year-End
Dated: November 21 2025
Views: 73
As the year winds down, it’s the perfect time to take a closer look at your real estate finances. Whether you’re a homeowner or an investor, there are several smart moves you can make before December 31st to reduce your tax bill and set yourself up for financial success in the new year.
Deduct Property Taxes and Mortgage Interest
If you itemize your deductions, don’t forget that property taxes and mortgage interest can both offer valuable tax breaks. Make sure you’ve made your final payments before year-end so you can include them in this year’s return.
Consider a 1031 Exchange
For investors selling one property and purchasing another, a 1031 exchange can defer capital gains taxes. This strategy allows you to reinvest your profits into a new property without taking an immediate tax hit—keeping your money working for you.
Prepay Certain Expenses
If you own rental property or are self-employed, prepaying expenses like insurance premiums, maintenance costs or property management fees before December 31st can help lower your taxable income for the current year.
Harvest Capital Losses
If you’ve sold investments that generated profits, consider selling underperforming assets to offset those gains. This “loss harvesting” strategy can help minimize your overall tax liability while balancing your portfolio.
Take Advantage of Energy Credits
Making energy-efficient upgrades like installing solar panels, wind turbines or other renewable energy systems to your home can qualify you for residential energy tax credits. These not only help the planet, but can also deliver meaningful savings come tax time.
A few proactive steps before the calendar flips can make a big difference in your financial picture. Consult a trusted tax advisor to see which of these strategies fit your situation best.
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All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating
