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Real Estate Commission Calculator

Calculate agent commissions and your net proceeds

Your Net Proceeds

$122,000

Commission

$20,000

Closing Costs

$8,000

Net %

30.5%

$
%
%

Buyer agent gets 50%

%
%
%
$

Net Proceeds to Seller

$122,000

30.5% of sale price

Total Commission

$20,000

Closing Costs

$8,000

Commission Split

Listing Agent Take-Home$7,000
Listing Broker Share$3,000
Buyer Agent Take-Home$7,000
Buyer Broker Share$3,000

Sale Breakdown

Sale Price$400,000
Commission (5.0%)-$20,000
Closing Costs (2.0%)-$8,000
Mortgage Payoff-$250,000
Net Proceeds$122,000

Frequently Asked Questions

Q

How much is real estate commission?

Total real estate commission is typically 5–6% of the sale price, split between the listing and buyer agents. On a $400,000 home, a 5% commission equals $20,000. After the NAR settlement in 2024, buyer agent compensation is negotiable and no longer required to be offered by the seller.

  • Traditional total: 5–6% of sale price
  • Listing agent: 2.5–3% of sale price
  • Buyer agent: 2.5–3% (now negotiable post-NAR settlement)
  • Discount brokers: As low as 1–2% for listing side
  • Flat-fee MLS: $200–$500 for listing only
Sale Price5% Commission5.5% Commission6% Commission
$300,000$15,000$16,500$18,000
$400,000$20,000$22,000$24,000
$500,000$25,000$27,500$30,000
$750,000$37,500$41,250$45,000
Q

How is commission split between agents and brokers?

Commission is first split between listing and buyer sides (typically 50/50). Each agent then splits their share with their brokerage, often 70/30 (agent/broker) for experienced agents. New agents may keep only 50–60%. On $20,000 total commission: each side gets $10,000, agent keeps $7,000, broker gets $3,000.

  • Total commission splits first between listing and buyer side
  • Each agent then splits with their brokerage
  • New agents: 50/50 to 60/40 split typical
  • Experienced agents: 70/30 to 80/20 common
  • Some brokerages charge flat desk fees instead of splits
Experience LevelAgent/Broker SplitAgent Take-Home on $10K
New agent50/50$5,000
Mid-career70/30$7,000
Top producer80/20$8,000
100% commission model100/0 + desk fee$9,000–$9,500
Q

What are seller closing costs besides commission?

Sellers typically pay 1–3% in closing costs beyond commission: transfer taxes (0.1–2%), title insurance ($500–1,500), attorney fees ($500–1,000), prorated property taxes, HOA transfer fees, and recording fees. Total seller costs are usually 7–9% of the sale price.

  • Transfer tax: 0.1–2% depending on state
  • Title insurance (owner policy): $500–$1,500
  • Attorney/escrow fees: $500–$1,000
  • Prorated property taxes through closing date
  • HOA transfer fee: $200–$500 if applicable
  • Total seller costs: Commission + 1–3% closing = 7–9%
CostTypical RangeOn $400K Sale
Commission (5%)5–6%$20,000
Transfer taxes0.1–2%$400–$8,000
Title insurance$500–$1,500$1,000
Attorney fees$500–$1,000$750
Q

Can I negotiate the real estate commission rate?

Yes, commission rates are always negotiable. Common strategies: offer 4–5% total instead of 6%, use a discount listing broker (1–2% listing side), sell FSBO with flat-fee MLS, or negotiate volume discounts for buying and selling with the same agent.

  • Commission is never "standard" or "fixed" — always negotiable
  • Luxury homes ($1M+): Agents may accept lower rates
  • Hot markets: Sellers have more leverage to negotiate
  • Dual agency (same agent for both sides): Often reduced
  • Post-NAR settlement: Buyer agent fee now separately negotiable
  • Consider total cost, not just rate — good agents earn their fee
Q

How do I calculate my net proceeds from a home sale?

Net Proceeds = Sale Price − Commission − Closing Costs − Mortgage Payoff. Example: $400,000 sale with 5% commission ($20,000), 2% closing costs ($8,000), and $250,000 mortgage payoff = $122,000 net proceeds.

  • Start with sale price
  • Subtract: Agent commission (5–6%)
  • Subtract: Seller closing costs (1–3%)
  • Subtract: Remaining mortgage balance
  • Result: Your net proceeds (check for capital gains tax)

Example Calculations

1$400,000 Home Sale with 5% Commission

Inputs

Sale Price$400,000
Commission Rate5.0%
Agent Split50/50
Broker Cut30%
Closing Costs2.0%
Mortgage Payoff$250,000

Result

Net Proceeds$122,000
Total Commission$20,000
Each Agent Side$10,000
Agent Take-Home (each)$7,000
Closing Costs$8,000

Commission = $400,000 × 5% = $20,000. Split 50/50 = $10,000 per side. Agent take-home = $10,000 × 70% = $7,000 (broker gets $3,000). Closing costs = $400,000 × 2% = $8,000. Net = $400,000 − $20,000 − $8,000 − $250,000 = $122,000.

2$650,000 Home Sale with 4.5% Commission

Inputs

Sale Price$650,000
Commission Rate4.5%
Agent Split50/50
Broker Cut30%
Closing Costs2.0%
Mortgage Payoff$380,000

Result

Net Proceeds$227,750
Total Commission$29,250
Each Agent Side$14,625
Agent Take-Home (each)$10,238
Closing Costs$13,000

Commission = $650,000 × 4.5% = $29,250. Split 50/50 = $14,625 per side. Agent take-home = $14,625 × 70% = $10,238. Closing costs = $650,000 × 2% = $13,000. Net = $650,000 − $29,250 − $13,000 − $380,000 = $227,750.

Formulas Used

Total Commission

Commission = Sale Price × Commission Rate

The total dollar amount paid in agent commissions on the sale.

Where:

Sale Price= The agreed-upon sale price of the property
Commission Rate= Total commission percentage (e.g. 5%)

Agent Take-Home

Take-Home = (Commission × Agent Side %) × (1 − Broker Cut %)

The actual amount an individual agent receives after the commission is split between sides and the broker takes their share.

Where:

Commission= Total commission amount
Agent Side %= Listing or buyer agent share of total commission
Broker Cut %= Percentage the brokerage retains

Net Proceeds

Net = Sale Price − Commission − Closing Costs − Mortgage Payoff

The amount the seller walks away with after all costs and payoffs.

Where:

Sale Price= Property sale price
Commission= Total agent commission
Closing Costs= Transfer tax, title, attorney, etc.
Mortgage Payoff= Remaining mortgage balance to pay off

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Last Updated: Mar 25, 2026

This calculator is provided for informational and educational purposes only. Results are estimates and should not be considered professional financial, medical, legal, or other advice. Always consult a qualified professional before making important decisions. UseCalcPro is not responsible for any actions taken based on calculator results.

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