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Home Sale Medicare Premium Calculator
Estimate whether a taxable home sale gain could affect your Medicare IRMAA surcharge.
- Uses 2026 CMS Part B and Part D IRMAA surcharge amounts.
- Shows monthly and annual surcharge estimates in plain English.
- Built for planning conversations, not tax, legal, or Medicare enrollment advice.
Step-by-step estimate
Check your estimated IRMAA risk
Enter your expected Medicare MAGI and add any one-time income events.
2026 IRMAA brackets at a glance
For 2026 Medicare premiums, IRMAA uses 2024 modified adjusted gross income. The first surcharge begins above $109,000 for single filers and above $218,000 for married couples filing jointly.
| Filing status | First IRMAA threshold | First Part B surcharge | First Part D surcharge |
|---|---|---|---|
| Single | Over $109,000 | $81.20/month | $14.50/month |
| Married filing jointly | Over $218,000 | $81.20/month | $14.50/month |
| Married filing separately | Over $109,000 | $446.30/month | $83.30/month |
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Why a home sale can affect Medicare premiums
A home sale does not affect IRMAA because of the sale price itself. The key issue is whether you have a taxable gain that raises Medicare MAGI for the year.
Estimate the taxable gain, not the gross sale price, then compare your result with the 2026 IRMAA brackets, review Medicare MAGI, or use the main IRMAA calculator.
Home sale FAQ
- Does selling a house always trigger IRMAA?
- No. IRMAA depends on taxable income, so the taxable gain is the number to estimate.
- Should I enter the sale price?
- No. Enter only the estimated taxable home sale gain.
- Can a one-time home sale be appealed?
- Not every one-time income event qualifies for IRMAA relief. Review SSA guidance before assuming an appeal applies.