Updated October 2026. Figures use Zillow’s Home Value Index for September 2026 (state level) and NAR’s September 2026 existing-home sales report.
As of September 2026, a 3% listing commission on a typical home ranges from $5,298 in West Virginia to $24,987 in Hawaii, based on Zillow’s typical home value in each state. On the US median sale price of $417,500 (NAR, September 2026), every 1% of commission is $4,175. The full state-by-state table is below.
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Key takeaways
- 3% of the typical home value runs from $5,298 (West Virginia) to $24,987 (Hawaii) as of September 2026.
- On the $417,500 US median sale price, 1% of commission is $4,175, so 3% is $12,525 and 6% is $25,050.
- Commission is negotiable. No law, MLS or NAR rule sets a rate.
- Turn every percentage into dollars on your own expected price before you sign a listing agreement.
How much is a 3% commission in each state?
The table applies three example rates to Zillow’s typical home value for each state and Washington, D.C. Typical value is the middle of the market for all home types. A ✓ marks the 17 states and DC where we list homes.
| State | Typical home value (Sept 2026) | 1-year change | 2.5% | 3% | 6% |
|---|---|---|---|---|---|
| Alabama ✓ | $238,600 | +1.9% | $5,965 | $7,158 | $14,316 |
| Alaska | $397,900 | +5.3% | $9,948 | $11,937 | $23,874 |
| Arizona | $416,700 | -1.0% | $10,418 | $12,501 | $25,002 |
| Arkansas | $224,200 | +3.4% | $5,605 | $6,726 | $13,452 |
| California ✓ | $761,500 | +0.6% | $19,038 | $22,845 | $45,690 |
| Colorado | $529,000 | -1.3% | $13,225 | $15,870 | $31,740 |
| Connecticut ✓ | $447,300 | +5.0% | $11,182 | $13,419 | $26,838 |
| Delaware | $405,100 | +1.2% | $10,128 | $12,153 | $24,306 |
| District of Columbia ✓ | $567,300 | -0.7% | $14,182 | $17,019 | $34,038 |
| Florida ✓ | $375,400 | -0.9% | $9,385 | $11,262 | $22,524 |
| Georgia ✓ | $329,100 | -0.6% | $8,228 | $9,873 | $19,746 |
| Hawaii | $832,900 | +1.4% | $20,822 | $24,987 | $49,974 |
| Idaho | $476,800 | +2.2% | $11,920 | $14,304 | $28,608 |
| Illinois ✓ | $295,900 | +5.3% | $7,398 | $8,877 | $17,754 |
| Indiana ✓ | $257,200 | +2.9% | $6,430 | $7,716 | $15,432 |
| Iowa | $236,600 | +3.3% | $5,915 | $7,098 | $14,196 |
| Kansas | $246,100 | +3.5% | $6,152 | $7,383 | $14,766 |
| Kentucky | $230,900 | -0.2% | $5,772 | $6,927 | $13,854 |
| Louisiana | $213,900 | +2.1% | $5,348 | $6,417 | $12,834 |
| Maine | $412,000 | +1.6% | $10,300 | $12,360 | $24,720 |
| Maryland ✓ | $424,900 | -0.1% | $10,622 | $12,747 | $25,494 |
| Massachusetts | $655,200 | +2.3% | $16,380 | $19,656 | $39,312 |
| Michigan ✓ | $263,800 | +3.8% | $6,595 | $7,914 | $15,828 |
| Minnesota ✓ | $348,800 | +2.3% | $8,720 | $10,464 | $20,928 |
| Mississippi | $194,500 | +2.2% | $4,862 | $5,835 | $11,670 |
| Missouri | $265,400 | +3.4% | $6,635 | $7,962 | $15,924 |
| Montana | $467,300 | +2.0% | $11,682 | $14,019 | $28,038 |
| Nebraska | $278,300 | +3.0% | $6,958 | $8,349 | $16,698 |
| Nevada | $440,700 | -1.6% | $11,018 | $13,221 | $26,442 |
| New Hampshire | $510,900 | +2.9% | $12,772 | $15,327 | $30,654 |
| New Jersey | $575,100 | +4.0% | $14,378 | $17,253 | $34,506 |
| New Mexico | $315,800 | +1.7% | $7,895 | $9,474 | $18,948 |
| New York | $524,900 | +5.6% | $13,122 | $15,747 | $31,494 |
| North Carolina ✓ | $332,200 | -0.2% | $8,305 | $9,966 | $19,932 |
| North Dakota | $290,700 | +5.1% | $7,268 | $8,721 | $17,442 |
| Ohio ✓ | $246,000 | +3.2% | $6,150 | $7,380 | $14,760 |
| Oklahoma | $220,800 | +2.6% | $5,520 | $6,624 | $13,248 |
| Oregon | $492,800 | +0.0% | $12,320 | $14,784 | $29,568 |
| Pennsylvania ✓ | $287,100 | +2.2% | $7,178 | $8,613 | $17,226 |
| Rhode Island | $508,500 | +3.5% | $12,712 | $15,255 | $30,510 |
| South Carolina ✓ | $304,300 | +0.9% | $7,608 | $9,129 | $18,258 |
| South Dakota | $317,900 | +2.3% | $7,948 | $9,537 | $19,074 |
| Tennessee ✓ | $330,800 | +0.6% | $8,270 | $9,924 | $19,848 |
| Texas ✓ | $296,400 | -1.4% | $7,410 | $8,892 | $17,784 |
| Utah | $532,900 | +1.2% | $13,322 | $15,987 | $31,974 |
| Vermont | $391,900 | +0.9% | $9,798 | $11,757 | $23,514 |
| Virginia ✓ | $412,300 | +2.1% | $10,308 | $12,369 | $24,738 |
| Washington | $587,500 | -0.5% | $14,688 | $17,625 | $35,250 |
| West Virginia | $176,600 | +2.6% | $4,415 | $5,298 | $10,596 |
| Wisconsin | $337,200 | +5.1% | $8,430 | $10,116 | $20,232 |
| Wyoming | $369,000 | +1.5% | $9,225 | $11,070 | $22,140 |
These percentages are examples only. Commissions are not set by law or by NAR rules and are fully negotiable. Sellers choose whether to offer any buyer-agent compensation, and how much. Since August 17, 2024, such offers can’t be shown on the MLS. The 6% column shows what a seller would pay if they also agreed to cover a buyer’s agent at 3%. It’s a choice, not a requirement.
Where is commission the highest and the lowest?
The five most expensive states for a 3% fee, on a typical home, are Hawaii ($24,987), California ($22,845), Massachusetts ($19,656), Washington ($17,625), New Jersey ($17,253). The five least expensive are West Virginia ($5,298), Mississippi ($5,835), Louisiana ($6,417), Oklahoma ($6,624), Arkansas ($6,726).
Where values are flat or falling, the fee matters more. You pay it on the sale price, not on your equity. If your value dropped this year, the same 3% takes a bigger bite of what you keep.
To run the math on your own number, our real estate commission calculator guide walks through it, and the net proceeds guide adds closing costs and your loan payoff.
How did we calculate these numbers?
We took Zillow’s Home Value Index for all homes in each state, as of September 30, 2026. Then we multiplied each value by 2.5%, 3% and 6%, and rounded to the dollar. The 1-year change is Zillow’s own figure.
The national figure comes from NAR’s September 2026 existing-home sales report, released October 13, 2026: a median existing-home price of $417,500, up 1.3% from a year earlier, with 4.8 months of supply. Zillow and NAR measure different things, so their numbers don’t match.
These are examples, not quotes for any home. Your fee depends on your price and what you agree to. Feel free to use this table with a link to this page.
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More on the moving parts: whether sellers pay the buyer’s agent, who pays closing costs, and how to list on the MLS without a realtor.
Related reading: what a 1% commission realtor really costs.
Frequently asked questions
How much is a 3% real estate commission?
It’s 3% of the sale price. On the US median of $417,500 (NAR, September 2026), that’s $12,525. By state, on a typical home, it ranges from $5,298 in West Virginia to $24,987 in Hawaii. These percentages are examples only. Commissions are not set by law or by NAR rules and are fully negotiable. Sellers choose whether to offer any buyer-agent compensation, and how much. Since August 17, 2024, such offers can’t be shown on the MLS.
Which state has the highest real estate commission in dollars?
On a typical home, Hawaii, because its values are the highest: 3% of $832,900 is $24,987 (Zillow, September 2026). The rate itself isn’t set by any state.
Is real estate commission set by law?
No. Commissions aren’t set by law, by any MLS or by NAR rules. They’re negotiable, and the rate is whatever you and your agent agree to in writing.
Do sellers still pay the buyer’s agent?
Only if they choose to. Since August 17, 2024, offers of buyer-agent compensation can’t be shown on the MLS, and any payment is agreed directly and in writing.
Where does this data come from?
Zillow’s Home Value Index for September 2026 by state, and NAR’s September 2026 existing-home sales report. The method is described above. The figures are examples, not quotes.
Can I use this table in an article?
Yes. Please credit Beycome and link to this page, and keep the date (September 2026 data) with the figures.
Data: Zillow Home Value Index, all homes, state level, September 30, 2026; NAR existing-home sales, September 2026 (released October 13, 2026). Commission figures are examples; commissions are negotiable and not set by law or NAR rules; sellers choose whether to offer buyer-agent compensation; such offers have not been shown on the MLS since August 17, 2024. Beycome prices as of October 2026; “$0 at closing” means no Beycome fee at closing (other closing costs, taxes and title fees still apply). General information, not legal or financial advice.
Sources
- Zillow Research, Home Value Index (ZHVI), all homes, state level, September 30, 2026.
- NAR, Existing-Home Sales Increased 1.5% in September, October 13, 2026, read October 23, 2026.
- Beycome, listing package features, October 2026.
Disclosure & Disclaimer
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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.
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