Silver Rises Over 120% YTD 
Gold is more than double its 2023 level but below its January 2026 record. These six questions will help you decide whether to sell some, sell all or vault it.
- Check your number first: early Costco buyers are up about $2,100 a bar; buyers near the 2026 peak may be down.
- If you’re in the 32% bracket or higher, holding past one year caps the federal rate on your gain at 28%.
- Sell some or all to GoldSilver, or hold it in our vault until you’re ready; get a free GoldSilver estimate before you decide.
Own Costco gold or silver? Start with the hub: what yours is worth, and how to sell it. Costco Gold Hub →
Gold is more than double its 2023 level but below its January 2026 record. Nobody knows where it goes next, but six questions will tell you whether selling makes sense for you. Whatever you decide, GoldSilver can handle it: sell, or vault until you’re ready.
1. Are you up or down?
Start with your number. Here are two real Costco purchases, with gold at about $4,150 and a 98.5% bid:
The Knowledge That Changes Everything
Two essential guides — yours free. Understand why gold matters and why fiat currencies always fail.
Gain or loss before tax on one 1 oz bar, sold today
Sale value $4,087.75 (98.5% of $4,150, an illustration, not a quote). Prices: KTLA, citing Costco.com; Slickdeals (Feb 17, 2026). Spot: Reuters via Zawya; metalcharts.org.
Know your number before you sell
We bid your metal out to competing dealers before you ship, send you a prepaid, fully insured mailing label and pay by check or wire. Get an estimate
Sell when you’re ready
Sell vaulted gold from your account any time, in whole or in part. How selling works
Hold insured gold while you decide
Fully insured, allocated in your name, 0.06% of value per month ($4 minimum). Mail in bars bought anywhere, including Costco. Vault storage
2. Have you held it for more than a year?
Gold held more than one year is taxed as a collectible at your ordinary rate, but no more than 28%. Gold held a year or less is taxed as ordinary income, up to 37% (IRS Topic 409).
So, in the 32% bracket or higher, waiting past a year caps your federal rate at 28%; in lower brackets it makes no difference. Higher earners may also owe the 3.8% net investment income tax (IRS Topic 559). Check your Costco receipt date.
Selling at a loss? Capital losses offset capital gains, plus up to $3,000 a year of other income ($1,500 if married filing separately), and the rest carries forward (IRS Topic 409). Talk to a tax professional about timing.
3–6. Four more important questions
| Why did you buy? | Bought as long-term insurance? A price move alone may not be a reason to sell. Bought for a quick gain? You may already have it. |
| Is gold too big a share of your holdings? | Vanguard research suggests checking once or twice a year and rebalancing at 5 percentage points of drift. Sell the excess to GoldSilver. |
| Do you need the money? | Selling gold may beat borrowing; we pay by check or wire. |
| Can you store it safely? | If home storage worries you, mail it to our insured vault and sell from your account later. Storage |
Your options, side by side
| Sell some | if gold is too large a share of your holdings, or to lock in part of a gain. Get an estimate |
| Sell all | if you need the money, your reasons have changed, or you’re past one year and want out. Get an estimate |
| Keep holding | if you bought for the long term and don’t need the cash. Vault it with us so it’s insured and ready to sell from your account. Vault it with us |
Find out what your Costco gold would fetch. GoldSilver bids it out to competing dealers before you ship, and you can cash out or vault it.
Get an estimate Or call (888) 491-7087
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People frequently ask
Should I sell my Costco gold now?
It depends on your gain or loss, how long you’ve held it, why you bought it and whether you need the money. Nobody knows where gold goes next. A free estimate shows what you’d get today.
Can I sell just part of my Costco gold?
Yes. Selling some bars and keeping others locks in part of a gain while staying invested.
Where should I sell my Costco gold?
Costco doesn’t buy it back; GoldSilver does. Get a free estimate online or at (888) 491-7087: we bid your metal out to competing dealers before you ship, so your estimate reflects the highest price among those bidders.
SOURCES
1. IRS — Topic 409: Capital gains and losses
2. IRS — Topic 559: Net investment income tax
3. AAII — Best practices for portfolio rebalancing (Vanguard research) (May 2011)
4. KTLA/NewsNation — Costco says its one-ounce gold bars are selling out fast
5. Slickdeals — 1 oz PAMP Lady Fortuna Veriscan, $5,059.99 (February 17, 2026)
6. Zawya (Reuters) — Gold rises on softer dollar, easing yields (October 9, 2026)
7. metalcharts.org — Precious metals all-time highs (October 19, 2026)
GoldSilver is not affiliated with Costco Wholesale. General information, not investment, tax or legal advice. Prices and Costco’s products and terms change; check live prices and the current listing before you buy or sell.
