Updated November 2026. A seller’s net profit worksheet with the transfer tax for each state where Beycome lists homes, so your estimate matches the closing statement. Tax rates read October 26, 2026; market figures from NAR, September 2026.
A selling house net profit calculator takes the sale price and subtracts your loan payoff, listing fee, any buyer-agent pay you offer, transfer tax, title fees, prorated taxes and repair credits. As of November 2026, on NAR’s $417,500 median, the transfer tax alone ranges from $0 for most Tennessee sellers to $2,922.50 in Florida.
Jump to: 📋 The lines · 💲 Worksheet · 📍 State by state · 🪜 Check it at closing · 🏠 Keep more · ❓ FAQ
Seller net profit, in short
- Net profit is what’s left for you after every closing cost and your mortgage payoff: the wire you receive.
- Transfer tax depends on the state, and on who the contract says pays it. On the same $417,500 sale, it’s $835 in North Carolina and $1,377.75 in Minnesota.
- Your payoff isn’t your statement balance; it adds interest up to closing day.
- The listing fee is one line you choose up front. Beycome Basic is from $99 in most states, with $0 to Beycome at closing.
For a quick number, use the free home sale calculator on beycome.com. Then come back here to check each line against your state and your own paperwork. If what you want is profit against what you paid, our selling a house profit calculator guide covers that side.
What goes into a seller’s net profit calculation?
Every number that leaves at closing. The closing agent builds your settlement statement the same way, so a worksheet built in this order is easy to compare later.
Net profit = sale price − mortgage payoff − listing fee − buyer-agent pay (if offered) − transfer tax − title and settlement fees − prorated taxes and HOA dues − repair credits.
- Sale price: use sold homes near you. The home value estimate gives you a starting range.
- Payoff: ask your servicer for a payoff quote dated for your closing day. Here’s what happens to your mortgage when you sell.
- Title and settlement: get a written quote. In some states the seller customarily buys the buyer’s owner’s title policy.
- Prorations: the property tax and HOA dues for the part of the year you owned the home.
- Credits: anything you agree to after the inspection.
What does a net profit worksheet look like?
Here’s one sale on the US median price of $417,500 (NAR, September 2026). The payoff, fees and credit are examples. The transfer tax uses Florida’s rate.
| Line | Example | Where the number comes from |
|---|---|---|
| Sale price | $417,500 | NAR median, September 2026 |
| Mortgage payoff | −$250,000 | Your servicer’s payoff letter |
| Listing fee, Beycome Basic | −$99 | Paid once; $0 to Beycome at closing |
| Buyer-agent pay at 2.5% (example) | −$10,437.50 | Only if you agree to offer it |
| Florida documentary stamp tax | −$2,922.50 | $0.70 per $100 |
| Title and settlement (example) | −$2,000 | Your title company’s quote |
| Prorated property taxes (example) | −$3,000 | Days owned this tax year |
| Repair credit (example) | −$1,500 | Agreed after inspection |
| Estimated net | $147,541 | Before any income tax on the gain |
The 2.5% is an example only. Commissions are not set by law or NAR rules and are fully negotiable. You choose whether to offer a buyer’s agent anything, and how much. Since August 17, 2024 those offers can’t be shown on the MLS, per the NAR settlement FAQs from the National Association of Realtors. Run other rates with the commission calculator.
How does the same sale net out in each state?
Keep everything above the same and change only the state. Without transfer tax, the example nets $150,463.50. Here’s what each state takes when the seller pays.
| State | Transfer tax rate | Tax on $417,500 | Seller’s net in the example |
|---|---|---|---|
| Florida (not Miami-Dade) | $0.70 per $100 | $2,922.50 | $147,541 |
| Minnesota | 0.33% of net price | $1,377.75 | $149,085.75 |
| North Carolina | $1 per $500 | $835 | $149,628.50 |
| California (county rate) | $0.55 per $500 | $459.25 | $150,004.25 |
| Alabama | $0.50 per $500 | $417.50 | $150,046 |
| Tennessee | $0.37 per $100, owed by the buyer by law | $1,544.75 (buyer) | $150,463.50 |
Sources: Florida Department of Revenue, the Minnesota Department of Revenue (Hennepin and Ramsey add 0.01%), N.C. Gen. Stat. 105-228.30, California Revenue and Taxation Code §11911, the Alabama Department of Revenue and the University of Tennessee County Technical Assistance Service. Miami-Dade uses $0.60 per $100 plus a surtax on some sales, and some California cities add their own tax.
The contract can change who pays, so read yours. Our state guides go deeper: North Carolina excise tax, Minnesota deed tax, Florida doc stamps and the Pennsylvania realty transfer tax, where state and local shares add up.
How do you check the calculator against the closing statement?
Ask the closing agent for your seller statement a few days early. If the buyer has a loan, their lender must send the Closing Disclosure at least three business days before closing, per the CFPB’s Closing Disclosure guide; the Consumer Financial Protection Bureau has more on each form. Ask for yours the same day.
Sell smarter
List your home on the MLS from $99
A flat fee instead of a percentage, and $0 to Beycome at closing. You stay in control of your sale.
Sell your home →Buy smarter
Get up to 2% back at closing
On homes listed by other agents, Beycome credits you up to 2% of the price at closing (1% kept, $1,499 minimum; not on FSBO homes or homes listed by Beycome sellers).
Buy a home →Then go line by line. The usual gaps are a payoff that grew by a few days of interest, a tax proration based on last year’s bill, an HOA transfer or estoppel fee you didn’t expect, and recording charges. None is big alone. Together they can move your net by a few thousand dollars.
Net profit isn’t taxable gain. Gain is the price minus selling costs minus your adjusted basis, which is what you paid plus improvements. Many owners exclude up to $250,000 of gain, or $500,000 for a married couple, under IRS Publication 523; the Internal Revenue Service site has the full rules.
How can a seller keep more of the net?
Some lines are set by law. These are the ones you can move.
- Choose your listing model on purpose. A flat fee MLS listing costs the same at any price.
- Decide on buyer-agent pay with your market in mind, or answer what a buyer asks for in the offer.
- Fix small things before listing. A $150 repair can save a $1,500 credit request.
- Get two title quotes where the seller picks the company.
- Pick the closing date with your payoff in mind, and ask your lender how it counts interest.
Here’s how it works with Beycome. You fill in the listing questionnaire in your dashboard, and a complete file goes live on the MLS within 2 business days. Offers come into your dashboard, and you sign them with e-signature. State forms are in Legal Forms. Want a person working with you on offers? Concierge (see current price) adds an expert who negotiates with you, always on your side, while you keep every decision.
In Florida, Texas, Michigan, Ohio, Illinois and Indiana, Beycome Title can close the sale for a flat settlement fee; title insurance and taxes are extra. For more seller costs, see the closing cost calculator and our guide to for sale by owner closing costs. Beycome has helped 22,000+ homeowners save over $225 million (Beycome internal data, October 2026).
Seller net profit calculator: questions
How do I calculate net profit when selling my house?
Start with the sale price and subtract your payoff, listing fee, any buyer-agent pay you offer, transfer tax, title fees, prorated taxes and repair credits.
Is net profit the same as capital gain?
No. Net profit is the cash you receive after the payoff. To see cash, profit and taxable gain side by side, use this seller profit calculator worksheet. Gain compares the price, minus selling costs, with what you paid plus improvements.
Which state has the highest transfer tax in this list?
Florida, at $0.70 per $100 outside Miami-Dade: $2,922.50 on a $417,500 sale. Tennessee’s tax is owed by the buyer under state law.
Why is my payoff higher than my loan balance?
The payoff adds interest up to the closing day and any fees. Ask your servicer for a payoff quote dated for closing.
Does a seller have to pay the buyer’s agent?
No. It’s the seller’s choice and negotiable. It can’t be offered on the MLS since August 17, 2024, so it’s agreed in writing.
How close will the calculator be to my final number?
Usually within a few thousand dollars if you use a real payoff quote and title quote. Check the seller statement line by line before closing.
As of November 2026. Payoff, fee, proration and credit figures are examples, not averages. Transfer tax rates read October 26, 2026; local surtaxes and exemptions can apply. Beycome Basic is from $99 in most states (see your state page); Concierge: see current price. “$0 at closing” means no Beycome fee at closing; title, taxes and any buyer-agent pay you agree to still apply. Commission figures are examples only. Beycome Title: Florida and Texas, plus Michigan, Ohio, Illinois and Indiana since November 2, 2026. General information, not tax or legal advice.
Sources
- NAR, existing-home sales, September 2026, read October 26, 2026.
- Florida Department of Revenue, documentary stamp tax, read October 26, 2026.
- Minnesota Department of Revenue, deed tax rate, read November 5, 2026.
- N.C. Gen. Stat. 105-228.30, read October 26, 2026.
- California Revenue and Taxation Code §11911, read October 26, 2026.
- Alabama Department of Revenue, recordation tax, read October 26, 2026.
- UT County Technical Assistance Service, transfer tax, read October 26, 2026.
- IRS Publication 523, Selling Your Home.
- CFPB, what is a Closing Disclosure.
- NAR, settlement FAQs.
- Beycome, listing package features, November 2026.
Disclosure & Disclaimer
Beycome provides real estate services through affiliated licensed brokerages and has a commercial interest in the services and business models discussed on this blog. Content reflects Beycome’s perspective and may promote our services; it should not be treated as independent or neutral reporting.
Articles are provided for general informational and educational purposes only, not as financial, tax, legal, or investment advice or a recommendation for your particular situation. Reading this blog does not create a brokerage, advisory, or other professional relationship.
Information, opinions, pricing, service descriptions, and comparisons reflect the sources and information available when an article was published or last updated and may change. Although we aim for accuracy, we do not guarantee that all content is complete, current, or applicable to your circumstances. Laws, market conditions, and service availability vary by location. Examples and estimated savings are illustrative, depend on stated assumptions, and do not guarantee individual results.
Verify relevant information directly and consult qualified professionals before making decisions. Beycome services are subject to applicable agreements, eligibility requirements, and state-specific terms.
