What It Really Costs to Sell Your Home—And How to Keep More in Your Pocket

Selling your home can be exciting—especially if you’re upgrading, downsizing, or relocating for a new adventure. But before you mentally cash that check, it’s important to get a clear picture of what it actually costs to sell a house. Spoiler alert: it’s more than just the agent’s commission.

Here’s a breakdown of the most common costs sellers face—and tips to help you minimize those expenses and avoid getting blindsided.

1. Agent Commissions (5–6% of Sale Price)

This is usually the biggest cost, with most sellers paying both the buyer’s and seller’s agent fees. On a $400,000 home, that’s $20,000–$24,000 right off the top.

Money-Saving Tip: Some agents offer tiered or flexible commission rates. Or, if you’re comfortable with the process, a flat-fee or discount brokerage could save you thousands.

2. Home Repairs and Improvements

Whether it’s repainting, replacing carpet, or fixing that leaky faucet, most buyers expect a move-in-ready home. Pre-sale repairs can add up quickly—sometimes to several thousand dollars.

Money-Saving Tip: Focus on high-impact, low-cost improvements like curb appeal, lighting, and deep cleaning. And consider a pre-inspection so you’re not surprised later.

3. Staging and Photography

Professional staging and photography can help your home sell faster and for more—but they’re not always cheap. Staging alone can run from $500 to $2,000+.

Money-Saving Tip: Declutter and rearrange furniture yourself for a “DIY stage,” and hire a photographer with a real estate background—many bundle services for less.

4. Closing Costs (1–3% of Sale Price)

Yes, sellers have closing costs too. These often include title insurance, escrow fees, transfer taxes, and even prorated property taxes.

Money-Saving Tip: Negotiate what fees you’ll cover. In a hot market, buyers may be more willing to shoulder some of the costs to secure the deal.

5. Concessions and Incentives

Buyers may ask for help with their closing costs, a home warranty, or credits for repairs. While these help close deals, they eat into your net profits.

Money-Saving Tip: Anticipate common requests and build wiggle room into your pricing strategy so you don’t end up short.

6. Capital Gains Taxes (Sometimes)

If you’ve lived in your home for at least two of the last five years, you can exclude up to $250,000 (or $500,000 if married) in profit from taxes. But if you don’t meet that requirement, you could owe.

Money-Saving Tip: Talk to a tax pro before you sell. There might be deductions or exemptions that apply to your situation.

Bottom Line

Selling your home comes with costs—some predictable, some not-so-obvious. The good news? With a little planning and the right advice, you can avoid surprises and walk away with more in your pocket.

Thinking about selling soon? Reach out—I’m happy to help you navigate the process and make the most of your home’s value.

Compliments of Virtual Results