Updated October 2026. NAR’s September 2026 prices and settlement rules were read on October 22, 2026.
To estimate realtor fees on your sale, price each side on its own. Take your price times the listing agent’s rate, then add any buyer-agent pay you choose to offer. On NAR’s September 2026 median price of $417,500, each 1% is $4,175. So a 2.5% listing fee plus 2.5% to a buyer’s agent comes to $20,875 before other closing costs.
Jump to: 🪜 Three-line estimate · 💲 Five scenarios · 🏠 Other costs · 🤝 What to ask · ❓ FAQ
Key takeaways
- Every 1% of a $417,500 sale is $4,175. Every 1% of $100,000 is $1,000.
- Since August 17, 2024, the listing side and the buyer side come from separate agreements. You decide whether to offer the buyer’s agent anything.
- About 36% of Beycome sales closed in 2026 had a buyer with no agent (Beycome internal data, 2026).
- A $99 Beycome flat fee MLS listing has $0 due to Beycome at closing.
The rates below are examples, not standard rates. Commissions are not set by law or by NAR rules, and they’re fully negotiable. Sellers choose whether to offer any buyer-agent compensation, and how much. Since August 17, 2024, those offers can’t be shown on the MLS. Plug in the numbers you’re actually quoted.
How do you estimate realtor fees in three lines?
Write your estimate as three lines, not one percentage. It’s clearer, and it matches how deals are set up now.
- Listing side: your price times the rate (or the flat fee) in your listing agreement.
- Buyer side: what you choose to offer the buyer’s agent, if anything. It can be $0, a flat amount or a rate.
- Everything else: transfer taxes, title, payoff, prorated taxes and any credits you give the buyer.
Here’s the quick math. Move the decimal two places to get 1%. On $350,000, 1% is $3,500. A 2.5% rate is two and a half times that, or $8,750. If someone hands you a number that doesn’t match this check, ask how they got it.
Want it worked out for you? Our real estate commission calculator guide has a table by rate and price. This page goes one step further and compares the full cost of different ways to sell.
What will you pay in realtor fees? Five scenarios
All five use NAR’s September 2026 median existing-home price of $417,500. Rates are examples only.
| Scenario | Listing side | Buyer side | Total fees |
|---|---|---|---|
| A. Full-service agent, 2.5%, and you offer 2.5% to the buyer’s agent | $10,438 | $10,438 | $20,875 |
| B. Full-service agent, 2.5%, buyer pays their own agent | $10,438 | $0 | $10,438 |
| C. Beycome Basic, and you offer 2.5% to the buyer’s agent | $99 | $10,438 | $10,537 |
| D. Beycome Basic, buyer has no agent | $99 | $0 | $99 |
| E. Beycome Concierge, and you offer 2% to the buyer’s agent | $1,399 | $8,350 | $9,749 |
A and B are what most people picture. C shows where the bigger number often sits once you list for a flat fee: the buyer side, if you offer it. D happens more than people expect. About 36% of Beycome sales closed in 2026 had a buyer with no agent, because the seller found the buyer directly (Beycome internal data, 2026). That isn’t a promise for your sale.
E is for sellers who want people on their side. Beycome Concierge is $1,399, with $0 at closing. Experts handle offer review, negotiation support and closing coordination, and you stay in control of every decision. Reach your expert Monday to Saturday (Monday–Friday 8:30am–6:30pm ET, Saturday 9am–5pm ET).
Beycome doesn’t set, collect or pay buyer-agent pay on its listings. If you offer it, you agree it directly with that agent in writing. A free template is in your dashboard.
How do the 2024 rule changes affect your estimate?
Before August 17, 2024, sellers often set one total rate and the listing agent shared it. Now the buyer’s agent is paid under the buyer’s own written agreement. NAR says agents who work with buyers must sign that agreement before a tour. It must state the pay clearly, and it must say fees are “fully negotiable and not set by law.”
For sellers, NAR’s guide says you can still offer pay to buyer brokers, but your agent must disclose it to you in writing and get your approval. You can also offer buyer concessions, like help with closing costs, and those can appear on the MLS. Read more on the National Association of Realtors site, or in our explainers on who pays the buyer agent commission and whether sellers pay the buyer’s agent.
What other costs go into your estimate?
Realtor fees are the biggest line for most sellers, but not the only one. Add these to get close to your real net.
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 →| Cost | How to estimate it |
|---|---|
| Mortgage payoff | Ask your lender for a payoff letter with interest to the closing date. |
| Transfer or deed tax | Set by state and county. Florida: $0.70 per $100 ($2,922.50 on $417,500). |
| Title and settlement | Depends on your contract and the title company. |
| Prorated taxes and HOA dues | Your share up to the closing date. |
| Credits to the buyer | Repairs or closing cost help you agree to. |
The Florida rate is from the Florida Department of Revenue; Miami-Dade is $0.60 per $100 for a single-family home. Beycome Title charges a $99 settlement fee in Florida (prepaid) and $299 in Texas. It also closes in Michigan, Ohio, Illinois and Indiana.
Your buyer’s lender sends the final numbers on the Closing Disclosure, which the Consumer Financial Protection Bureau says must arrive at least three business days before closing. Taxes on the gain are separate; the Internal Revenue Service (IRS) lets many owners exclude up to $250,000 of gain on a main home, or $500,000 on a joint return. Our home sale net proceeds calculator puts it all together.
What should you ask before you sign a listing agreement?
- Is the fee a rate or a flat amount, and is it due if I find the buyer myself?
- Is anything due at closing beyond the stated fee?
- What exactly is included: photos, MLS, showings, negotiation, closing help?
- How long is the term, and can I cancel without a fee?
- Will you show me any buyer-agent offer in writing before it’s made?
Write down the answers next to the three-line estimate. Then compare. Our guides to real estate commission percentages and low commission agent options help you test what you hear.
How do you get the listing side down to $99?
List on the MLS for a flat fee. With Beycome Basic, you pay $99 upfront and $0 to Beycome at closing. You get the most photos the MLS allows, the longest term the state and MLS allow, e-signature, unlimited updates, ShowingTime where the MLS offers it, and the Artur AI assistant for offers. A complete, correct file goes live on the MLS within 2 business days.
Want a home value before you set a price? Our free home value calculator pulls nearby sales. And our for sale by owner guide covers the steps from listing to closing.
Realtor fee questions
How do I estimate realtor fees on my house?
Multiply your price by the listing rate, add any buyer-agent pay you choose to offer, then add transfer tax, title and other closing costs.
How much are realtor fees on a $400,000 house?
Each 1% is $4,000. At an example 2.5% listing fee, that’s $10,000. Rates are negotiable and not set by law.
Do sellers still pay the buyer’s agent in 2026?
Only if they choose to. Since August 17, 2024, buyers sign their own agent agreement, and offers of pay can’t be shown on the MLS.
Are realtor fees negotiable?
Yes. NAR’s rules say buyer agreements must state fees are fully negotiable and not set by law. Listing fees are negotiable too.
Is there a cheaper way to list on the MLS?
A flat fee MLS listing. Beycome Basic is $99 upfront with $0 to Beycome at closing.
What other closing costs do sellers pay?
Usually transfer taxes, title or settlement fees, the mortgage payoff, prorated property taxes and any credits agreed with the buyer.
All percentages are examples only. Commissions are not set by law or NAR rules and are fully negotiable; sellers choose whether to offer buyer-agent compensation, and since August 17, 2024 such offers can’t be shown on the MLS. Scenario figures are rounded to the dollar.
Beycome prices as of October 2026. “$0 at closing” means no Beycome fee at closing; other closing costs, taxes, title and any agreed buyer-agent compensation still apply. Concierge $1,399. Beycome Title: Florida, Texas, Michigan, Ohio, Illinois and Indiana. Beycome lists in 17 states and DC. General information, not legal or tax advice.
Sources
- NAR, existing-home sales for September 2026, released October 13, 2026.
- NAR, what the settlement means for buyers and sellers, read October 22, 2026.
- NAR, what the settlement means for home sellers, read October 22, 2026.
- Florida Department of Revenue, documentary stamp tax, read October 22, 2026.
- CFPB, what is a Closing Disclosure, read October 22, 2026.
- IRS Topic 701, sale of your home, read October 22, 2026.
- Beycome, listing package features, October 2026.
- Beycome Concierge page, October 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.
