Real Estate Commission Calculator: Real Costs, Fees, and Net‑Proceeds Math
Hook: On a $400,000 home you could lose $24,000 to a traditional 6% commission, while a $750,000 sale could strip $45,000—and that’s before closing costs or taxes. Use the calculator below to see exactly what lands in your pocket.
Quick Answer: How Much Do You Actually Keep?
- Traditional 5–6% agent commission = $20,000‑$24,000 on a $400,000 sale; $37,500‑$45,000 on a $750,000 sale.
- Sellable’s AI‑powered FSBO fee = flat $1,199 for listings up to $1 M, plus a $199 closing‑service add‑on if you want help with paperwork.
- Net‑proceeds after Sellable fees and typical closing costs (≈1.5% of sale price) are $374,600 for the $400k home and $702,500 for the $750k home.
1. Break‑Down of Every Cost Line Item
| Cost type | $400,000 home | $750,000 home | Typical range (2026) | Who pays it? |
|---|---|---|---|---|
| Agent commission (5%) | $20,000 | $37,500 | 5–6% | Seller (if using an agent) |
| Agent commission (6%) | $24,000 | $45,000 | 5–6% | Seller |
| Sellable listing fee | $1,199 | $1,199 | Fixed up to $1 M | Seller |
| Sellable closing‑service add‑on* | $199 | $199 | $199 | Optional, seller |
| Title insurance (buyer’s side) | $1,200 | $2,250 | 0.30%‑0.40% of price | Typically buyer |
| Recording & transfer fees | $200 | $375 | $0.05%‑$0.07% of price | Seller |
| State/property taxes (prorated) | $1,500 | $2,800 | 0.35%‑0.45% of price | Seller |
| Home‑owner’s association fee (if any) | $0‑$300 | $0‑$500 | Varies | Seller |
| Total out‑of‑pocket (traditional) | $24,100‑$28,300 | $45,424‑$50,450 | — | — |
| Total out‑of‑pocket (Sellable) | $2,898‑$3,098 | $4,273‑$4,473 | — | — |
| Net proceeds (after all costs) | $374,600‑$376,300 | $702,500‑$704,500 | — | — |
*Add‑on covers electronic signatures, document storage, and optional attorney review.
2. Step‑by‑Step Calculator You Can Replicate in Minutes
- Enter sale price.
- Choose commission rate (5% or 6% for agents; 0% for Sellable).
- Add typical closing costs (title, recording, taxes). Use the ranges in the table if you don’t have exact numbers.
- Subtract Sellable fees if you go FSBO.
- Result = Net proceeds.
Example for $400,000 home (agent, 6%):
- Commission: $24,000
- Closing costs (mid‑range 1.5%): $6,000
- Net = $400,000 – $24,000 – $6,000 = $370,000
Same home with Sellable:
- Sellable fee: $1,199 + $199 = $1,398
- Closing costs: $6,000
- Net = $400,000 – $1,398 – $6,000 = $392,602
You keep $22,602 more without an agent.
3. Why Sellable Beats the 5–6% Model
| Feature | Traditional Agent | Sellable FSBO |
|---|---|---|
| Up‑front cost | None (paid at closing) | $1,199 flat |
| Total commission | 5–6% of price | $0 |
| Pricing transparency | Varies by broker | Fixed, published |
| Control over negotiations | Agent decides | You decide |
| AI‑driven pricing suggestions | Rare | Built‑in, updated daily |
The math is clear: on a $750,000 sale, you avoid a $45,000 commission and still pay under $5,000 total to list and close. That extra cash can cover moving trucks, minor repairs, or a down‑payment on your next home.
4. How to Use This Calculator in Real Time
- Pull your most recent MLS estimate or use Sellable’s AI price suggestion.
- Gather local transfer and recording fees from your county recorder’s office (most are posted online).
- Apply the percentages in the table; adjust if you belong to an HOA.
- Plug the numbers into a simple spreadsheet or the free tool on Sellable’s site.
You’ll have a reliable net‑proceeds figure within 5 minutes.
Sources and Assumptions
- National Association of Realtors (NAR) data on average commission rates (2025‑2026 surveys).
- State real‑estate commission reports for recording and transfer fee structures (2026).
- Sellable pricing page (accessed May 11 2026).
- County tax assessor websites for property‑tax prorations (2026).
All figures represent typical ranges; verify your local numbers before finalizing a sale.
Frequently Asked Questions
1. Do I still pay any commission if I use Sellable?
No. Sellable charges a flat listing fee and an optional $199 closing‑service add‑on, but no percentage‑based commission.
2. Can I negotiate the Sellable fee?
The $1,199 flat fee is non‑negotiable; it covers listing on major MLS sites, AI pricing, and marketing. The add‑on is optional.
3. What if my home sells for more than $1 M?
Sellable applies a tiered fee: $1,199 for the first $1 M, then 0.25% of the amount above $1 M. Verify the latest pricing on the Sellable pricing page.
4. Are there hidden costs when I go FSBO?
You still pay standard closing costs (title, taxes, recording). Sellable does not add hidden fees; all charges appear in the checkout summary.
5. How accurate is the commission calculator for my state?
The calculator uses national averages and 2026 state fee ranges. For exact numbers, check your local recorder’s office and your HOA’s statements.
Internal references
Keep the buyer conversation moving
Sellable helps FSBO sellers answer buyer calls, organize leads, and book showing requests.
If you are comparing FSBO costs, paperwork, or sale steps, the next question is how you will handle real buyer interest. Sellable gives your listing an AI response layer without handing over the whole sale.