The Power of What’s Possible
Beyond Housing is determined to revitalize North St. Louis’ 24 communities
Ways to Give Before 2025 Ends:
Consider NEW Tax Law Changes When You Donate
Your generosity helps Beyond Housing strengthen entire communities in the St. Louis region—so that every family has the chance to thrive.
With major federal tax law changes taking effect in 2026, gifts you make in 2025 may provide more favorable tax benefits than gifts made in future years. The overview below highlights several key changes and how they could affect your giving.
Important: The information below is general in nature and focused on U.S. federal law. Always consult your own tax, legal, or financial advisor to understand how these rules apply to your situation.
Change: New Floor for Itemizers
Starting with the 2026 tax year, you will need to give at least 0.5% of your adjusted gross income (AGI) to claim a charitable deduction.
What it means for you:
Consider maximizing your giving in 2025, including gifts to Beyond Housing, before this new threshold takes effect.
Change: New Limit for Top Earners
Currently, top earners get a 37 cent tax benefit for every dollar deducted. Starting in 2026, that drops to 35 cents.
What it means for you:
If you are in the highest tax bracket, consider giving more this year for greater tax savings.
Change: State and Local Tax (SALT) Deduction Limit Increases from $10,000 to $40,000
What it means for you:
Beginning in 2025, taxpayers who itemize will be able to deduct up to $40,000 in state and local taxes. The cap will then rise by 1% each year through 2029 before reverting back to $10,000 in 2030. This added flexibility may influence how you balance your charitable giving and overall tax strategy in the years ahead.
Change: Higher Standard Deduction Made Permanent and Indexed for Inflation
For 2025, the standard deduction will be $15,750 for single filers and $31,500 for married couples filing jointly. If you are 65 or older, you may qualify for a bonus deduction of up to $6,000, although it begins to phase out at higher income levels.
What it means for you:
Even if you don’t itemize, you may still see tax benefits when you give appreciated stock, real estate, or—if you are 70½ or older—through a gift from your IRA.
Change: Deduction Limit for Cash Gifts Made Permanent
What it means for you:
You can still deduct cash gifts of up to 60% of your AGI. Consider a blended strategy that combines cash and non cash assets to maximize both your tax benefits and your impact at Beyond Housing.
Great Year-End Gift Ideas This Year (and Beyond)
Make an Immediate Difference
Support Beyond Housing with a cash gift via check or online. Your gift may qualify for a federal income tax charitable deduction. Unsure whether your gift is tax deductible? Contact your financial advisor or tax consultant.
Important note:
If sending by mail, your envelope must be postmarked by the U.S. Postal Service on or before Dec. 31 for your donation to qualify this year.
Use Appreciated Stock
Donating appreciated stock that you have owned for longer than one year may allow you to qualify for an income tax deduction and eliminate tax on the appreciation.
Important note:
If the stock is electronically transferred to Beyond Housing, the gift date is the day the stock enters our account, not the date you ask your broker to make the transfer.
Recommend a Grant From Your Donor-Advised Fund (DAF)
If you are ready to make an impact in 2025 with your DAF, consider recommending a grant (or recurring grants) to support Beyond Housing.
Important note:
You qualify for an income tax deduction only when you contribute funds to an existing DAF. Through your grant recommendation, however, you get the satisfaction of making a difference at Beyond Housing before the year ends.
Make a Gift From Your IRA
If you are 70½ or older, you can give any amount up to $108,000 from your IRA directly to Beyond Housing. You will not pay income taxes on the transfer. This gift can also count toward your required minimum distributions.
Important note:
Your IRA administrator must transfer the funds by Dec. 31. If you have check writing features on your IRA, your check must clear your account by Dec. 31 to count toward your required minimum distribution for the calendar year.
Create Impact for Life
Charitable gift annuity rates are currently the highest they have been in almost two decades—but that could change. You may wish to take advantage of the higher rates by creating a gift annuity that benefits Beyond Housing before 2025 ends.
Important note:
Begin the process early to ensure completion by year end. Contact your financial advisor and then connect with our team at Beyond Housing for assistance.
End 2025 on a High Note
For guidance on the best ways to leave a legacy with Beyond Housing as we approach the end of the year, contact our philanthropy team.
Beyond Housing – Philanthropy Team
Phone: 314 376 5820
Email: nkrehmeyer@beyondhousing.org
We are happy to help you find a giving strategy that reflects your goals and makes a lasting difference for families and communities.
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