Topic Edit: 집 시세차이 capital gain tax 과 실거주 기간 질문입니다.

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Now Editing “집 시세차이 capital gain tax 과 실거주 기간 질문입니다.”

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현재 시애틀에 거주하고 있습니다.
집을 팔려고 하다가,  실거주 2년, 소유기간 5년중에서 실거주 2년은 넘으나, 소유기간이 5년이 안되서, capital gain tax 를 집값시세차익의 20% 넘게 내야 한다는 것을 우연히 알게 되었습니다.
그런데, 또 다른 home mortgage 관련 웹사이트에서 다음과 같은 글을 봤습니다.

<strong>Tips For Selling A Primary Residence</strong>
You need to live in your home for at least 2 years out of the last 5 years to qualify it as a primary residence. The 2 years that you live in your home don’t need to be consecutive. You also don’t need to own your home for at least 5 years in order to claim an exemption from the capital gains tax. For example, if you own your home for 3 years and live in it for 2 years before you sell it, it’s still considered a primary residence. In a case like this, you might not need to pay the capital gains tax when you sell the home.
You don’t need to pay up to $250,000 ($500,000 for married couples filing jointly) in capital gains on your home sale if you meet three conditions:
•	You’ve lived in your home for the last 2 years. You can only deduct capital gains on your primary residence. You must have lived in your home for at least 2 years out of the last 5 years before you sell it to qualify for an exemption. The years you’ve lived in the home don’t have to be consecutive.
•	You’ve owned your home for at least 2 years. You need to have owned your home for at least 2 years before you can claim an exemption. If you haven’t owned your home for at least 2 years, you’ll pay the much more expensive short-term tax rate.
•	You haven’t recently claimed another exemption. Generally, you can’t claim another exemption if you’ve already claimed an exemption during the last 2 years.
If you meet all three criteria above, you can exclude some or all of the capital gains tax when you sell the home.
It’s important to note that this exemption only applies to your primary residence. If you were to sell your second home or investment property to anyone, including a family member you were trying to help out, you would have to pay full capital gains tax.

위글에 의하면, 실거주 2년 이상이면 소유기간이 5년이 안되어도 capital gain tax 를 내지 않아도 된다고 하는데 (시세차익이 $500,000 미만일때), 어떤게 맞는 내용인가요?
현재 집이 primary residence 이고, 4년 7개월째 거주하고, 소유하고 있는 상태입니다.

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