Question 1

What percentage does it cost to sell a house?

Accepted Answer

Typically 8-9% of the sale price all-in: about 6% in agent commission plus 2-3% in other closing costs (title, escrow, transfer tax, and negotiated repair credits). It varies by state and by how the deal is negotiated.

Question 2

Can I negotiate the commission?

Accepted Answer

Yes. Commission is negotiable in every state, and rates have been trending down since a series of 2024 industry settlements changed how buyer-agent compensation is disclosed and offered. Ask directly rather than assuming 6% is fixed.

Question 3

Do I owe taxes on the sale on top of these costs?

Accepted Answer

Maybe — commission and fees reduce your proceeds, but they're separate from capital-gains tax on any profit. Run the rental property capital gains calculator alongside this one if the property wasn't your primary residence for the required period.

Question 4

What if I owe more than the house is worth?

Accepted Answer

That's an underwater sale — see the underwater mortgage calculator to work out the shortfall and your options (short sale, bringing cash to closing, or waiting).

How much does it actually cost to sell a house?