Selling your home? Calculate standard buyer/seller agent commissions, explore negotiated rates, and discover exact net seller proceeds under post-NAR rules.
The 2026 national average real estate commission is 5.50% post-NAR settlement (typically ranging between 5.0% and 6.0%). On a $400,000 home, that equals $22,000 in agent fees with $378,000 net proceeds. Sellers negotiating a 4.0% rate save $6,000.
Calculate agent fees and net proceeds instantly.
Note: Standard commission in the US is typically 5-6%, often split 50/50 between the buyer's and seller's agents. Under the landmark 2024 NAR settlement, buyer agent fees are explicitly negotiable and uncoupled from MLS listings.
Based on your entered home price ($450,000). Shows exact fees and net proceeds at every common commission rate.
| Commission Rate | Agent Fees | Your Net Proceeds | vs 6% Savings |
|---|---|---|---|
6.0%(Old Standard) | $27,000 | $423,000 | — |
5.50%(National Average)Current | $24,750 | $425,250 | +$2,250 |
5.0%(Competitive Tier) | $22,500 | $427,500 | +$4,500 |
4.0%(Negotiated Rate) | $18,000 | $432,000 | +$9,000 |
3.0%(Discount Broker / Flat) | $13,500 | $436,500 | +$13,500 |
*Example calculation based on $450,000 home price. Your results update live based on price entered above.
Select a benchmark price to see exact listing vs. buyer agent splits and net seller equity.
Typical 5–6% commission equals $15,000 to $18,000 ($7,500–$9,000 per side). Seller estimated net proceeds: $282,000 – $285,000.
Typical 5–6% commission equals $25,000 to $30,000 ($12,500–$15,000 per side). Seller estimated net proceeds: $470,000 – $475,000.
Typical 5–6% commission equals $37,500 to $45,000 ($18,750–$22,500 per side). Seller estimated net proceeds: $705,000 – $712,500.
Typical 4.5–5.5% commission equals $45,000 to $55,000 ($22,500–$27,500 per side). Seller estimated net proceeds: $945,000 – $955,000.
Understanding decoupled representation fees and closing costs.
Sellers are no longer required to offer unilateral commission splits to buyer agents on MLS systems. Every representation agreement is strictly between the client and their broker.
When one agent represents both buyer and seller (where permitted by state law), total commission is frequently reduced to 3.5%–4.5% since marketing and administrative overhead is halved.
Real estate commissions constitute the largest seller expense (typically 5-6%), while title transfer fees, escrow, recording, and transfer taxes typically total an additional 1% to 2%.
All calculations run locally on your device. We do not track property addresses, sale values, or contact information. No lead capture forms or unsolicited agent phone calls.
Traditionally, the seller paid the entirety of the 5% to 6% commission, split between both brokerages. Under current rules, buyers sign direct representation agreements with their broker. However, sellers may still offer seller concessions at closing to cover buyer agent costs to broaden the pool of eligible buyers.
No. By federal antitrust law, commission rates are entirely negotiable between property owners and licensed brokers. There is no statutory minimum or maximum fee anywhere in the United States.
Beyond commission fees, sellers typically cover state and county transfer taxes (deed stamps), title search & owner’s title insurance policies, outstanding property prorations, HOA transfer fees, and attorney/escrow settlement charges. These typically amount to 1% to 2% of the home price.