Finance category
Mortgage, loan, investing, tax, and money calculators.
Property Selling Cost Calculator
Build the seller-side cost stack for a home sale and compute net to seller. Includes commission, transfer tax, title, staging, repairs, tax prorations, and loan payoff.
Net to seller
$202,885
after costs & loan payoff
Total selling costs
$37,115
7.7% of price
Agent commission
$26,675
Transfer tax
$1,940
Reading the number
Most sellers underestimate the true cost of a sale. Commission alone runs 5–6% of price, and transfer tax, title, prorations, and small repairs typically add another 1–3%. Plan for 7–9% total selling cost.
Net to seller is what actually arrives at your bank account at closing — sale price minus selling costs minus loan payoff. This is the number that becomes your down payment for the next house, not the gross price.
How to Use
- Enter the sale price.
- Enter agent commission percent (typically 5–6%) and transfer tax percent for your area.
- Add title/escrow, staging/cleaning, pre-sale repairs, prorated taxes, and warranty/other fees.
- Enter the loan payoff balance at sale.
- Read net to seller — the cash you'll actually walk away with.
Frequently Asked Questions
What's a typical total seller cost percentage?
7–9% of sale price for most US markets. Commission is the biggest piece (5–6%), then transfer tax (0.1–2.0% depending on state), title fees, and small repair/prep costs.
Are commissions negotiable?
Yes — and increasingly so since 2024 NAR settlement changes. Typical splits are 2.5–3% per side, but flat-fee, discount, and limited-service brokers exist. Consider total marketing reach and net proceeds, not just rate.
Who pays transfer tax?
Custom varies by state. CA and NY: typically seller. PA: split. NH: split. Some areas have both state and city/county transfer taxes that stack. Check local custom and the purchase agreement.
What about capital gains tax?
Net to seller doesn't include income/capital gains tax owed. Primary residence sellers usually have a $250k single / $500k joint exclusion. Investment property sales may owe capital gains and depreciation recapture — use a CPA.
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