GoFlexi LogoGoFlexi

Home Selling Cost Calculator

Find out how much it really costs to sell your home. Enter your sale price, commission rate, and other fees to see a complete breakdown of selling costs — including agent commissions, title insurance, recording fees, and more.

Results
Total Selling Costs
$32,000
Commission
$24,000
Other Fees
$8,000

About This Home Selling Cost Calculator

Selling a home comes with significant costs that many homeowners don't fully anticipate. Real estate agent commissions alone typically run 5–6% of the sale price, and additional closing costs like title insurance, recording fees, and transfer taxes can add another 1–3%. On a $400,000 home, that's $24,000–$36,000 in fees before you see a dime of your equity.

This free calculator gives you a clear, honest picture of what you'll pay to sell your home on the traditional market. Simply enter your expected sale price and adjust the commission and fee percentages to match your situation. The results show exactly how much goes to agents and closing costs.

Understanding your true selling costs is essential when considering listing on the market, selling to an investor or wholesaler, or exploring a for-sale-by-owner (FSBO) approach. For deeper real estate financial analysis including financing terms and amortization, try our full-featured GoFlexi calculator.

Related calculators

Seller Finance Calculator

Model an owner-financed note: payment, balloon payoff, and the full amortization schedule — plus the seller's interest income and total collected.

Rent vs Buy Calculator

Compare the full cost of renting vs buying in today's dollars and find your breakeven year.

Underwater Mortgage Calculator

Calculate how much you could save by letting a buyer take over your underwater mortgage.

Frequently Asked Questions

How much does it cost to sell a house?

There's no single number. It's the commission you agree to plus closing costs that depend heavily on where you live. The calculator's default, a $400,000 sale at 6% commission plus 2% other costs, comes to $32,000: $24,000 to the agents and $8,000 in title, escrow, transfer tax, and similar fees. The commission is the part you control. For a reference point, Redfin's transaction data put the average buyer's-agent commission at 2.42% in the third quarter of 2025, and the listing side is negotiated separately. The other costs you mostly don't control: transfer tax is zero in some states and a meaningful percentage of the price in others. Before you list, ask a local title or escrow company for a seller's net sheet, which lists the fees that are customary where you are, and enter those percentages above.

What other fees do sellers pay at closing?

Who pays what is set by local custom and your contract, but the seller commonly pays: the owner's title insurance policy (in many states), part or all of the escrow or settlement fee, transfer or documentary stamp taxes, an attorney's fee in states where attorneys close, HOA resale-certificate and transfer fees, and any repair credits or concessions you agree to. Two items on your settlement statement look like costs but aren't. Your mortgage payoff is your own debt being repaid. Property-tax prorations settle your share of taxes for the months you owned the home. Also note that the payoff will be higher than your last statement balance: mortgage interest is paid in arrears, so the lender adds interest through the payoff date.

Can I negotiate real estate commission rates?

Yes. Commission isn't set by law, and since the 2024 NAR settlement your listing agreement has to say it's negotiable. The useful levers are the listing side's rate, a flat fee in place of a percentage, and whether and how much you offer the buyer's agent. Each percentage point on a $400,000 sale is $4,000, so change the Commission Rate above to see what a given concession is worth. The trade-offs run the other way too. A lower fee can come with less marketing, and offering nothing to the buyer's side leaves buyers to pay their own agent, which some will build into a lower offer.

Does selling with owner financing avoid the commission?

It can, if no agent is involved. When you find the buyer yourself and sell by owner, there's no commission to pay, whether the buyer pays cash or you carry a note. You still pay closing costs such as title, escrow, and any transfer tax. Set the Commission Rate above to 0 to see what those alone come to. If an agent lists the home or brings the buyer, the commission is owed at closing as in any other sale, and on an owner-financed sale it comes out of the cash at closing, which is mostly the buyer's down payment. Either way, what owner financing changes is what happens after closing. You receive the rest of the price as monthly payments with interest instead of a lump sum, and you may be able to spread the capital-gains tax over the years you're paid. To see what carrying the note is worth compared with taking cash, use our free Seller Finance Calculator.

Are selling costs deductible when I sell my home?

Not as a separate deduction, but they reduce your taxable gain. Commission, title, escrow, and transfer taxes come off the sale price before your gain is calculated. For a primary residence that often doesn't matter: if you owned and lived in the home for 2 of the 5 years before the sale, up to $250,000 of gain ($500,000 married filing jointly) is excluded under IRC §121. The costs matter when your gain is above the exclusion or the home was a rental. For a rental, see the Rental Property Capital Gains Tax Calculator. This isn't tax advice.

Need More Powerful Calculations?

Unlock wrap mortgages, balloon payment scheduling, amortization tables, tax benefit estimates, and more with GoFlexi's full-featured seller finance calculator.

Free plan — no credit card
14-day Pro trial for new accounts
Unlimited calculations
Cancel anytime