New Jersey Seller Closing Costs & Net Proceeds Calculator
Estimate exactly what you'll walk away with after selling a home in New Jersey. Defaults below reflect typical New Jersey transfer-tax treatment, title custom, and seller closing costs.
Data last reviewed: September 2026
Estimated net proceeds — New Jersey
$0
Enter a sale price below to estimate your net proceeds in New Jersey.
Net Proceeds Calculator — New Jersey
Defaults reflect typical New Jersey practice. Edit any field to match your transaction.
Figures last updated: September 2026
Sale & loan
Commission
Post-NAR settlement: the buyer-agent share is negotiable. Switch to listing-only if you're not offering buyer-agent compensation.
Title & closing costs
In New Jersey, the buyer customarily pays this. Informational only — the premium amount isn't included in the totals below.
Optional adjustments
Breakdown
| Gross sale price | $0 |
| Agent commission | − $0 |
| Mortgage payoff | − $0 |
| Title / escrow services | − $0 |
| Transfer / excise tax | − $0 |
| Recording fees | − $75 |
| Attorney fee | − $1,125 |
| Home warranty | − $0 |
| Repairs / concessions | − $0 |
| Property tax proration | − $0 |
| HOA dues owed | − $0 |
| Total deductions | − $1,200 |
| Estimated net proceeds | $0 |
Selling a home in New Jersey: what to expect
Transfer / excise tax
Tiered RTF (marginal), seller-paid — Brackets are the seller's Realty Transfer Fee for homes over $350k. SEPARATE 1% 'mansion tax' on $1M+ residential is BUYER-paid (not in these numbers). NJ RTF is intricate (partial exemptions exist) - verify for high-value or special cases.
Title & closing custom
Attorney-review state. Owner's title policy customarily paid by BUYER.
Recording fees ~$40 first page + $10/page.
Typical commission
Around 5% of the sale price in New Jersey, combining the listing-side commission and anything the seller agrees to offer the buyer's brokerage. Always negotiable — there is no set rate.
Typical total seller closing costs
About 1.0%-2.0% of sale price (seller side) (excluding agent commission).
Notes specific to New Jersey
- New Jersey's Realty Transfer Fee is tiered: rates climb with sale price up to roughly 1.0% on higher-priced homes, paid by the seller.
- The 1% "mansion tax" on sales above $1M is paid by the BUYER, not the seller.
- New Jersey has a 3-day attorney-review period built into standard purchase contracts.
A real example: selling a median-priced home in New Jersey
New Jersey's median sale price was $598,128 in June 2026 (Redfin), up 5.9% year-over-year — the strongest price growth of any state in this batch. New Jersey's Realty Transfer Fee is tiered rather than flat: it climbs from 0.58% on the first $150,000 up to 1.21% on anything above $1,000,000, which works out to $5,165 on the median-priced home (a blended rate of about 0.86%, well under the top bracket). Add a 5% commission ($29,906, one of the lower rates in this project) and closing costs of 1.0%–2.0% (about $8,972 at the midpoint), and total deductions land near $44,043 — about 7.36% of the sale price.
New Jersey's closing custom splits geographically: an attorney customarily runs the closing in North Jersey, while South Jersey relies more on title/escrow companies — worth confirming which applies before budgeting for legal fees. (Sellers above $1M also owe a separate 1% "mansion tax," but that one is paid by the buyer, not the seller.)
Frequently asked questions — New Jersey
Who pays the transfer tax in New Jersey?
Tiered RTF (marginal), seller-paid — Brackets are the seller's Realty Transfer Fee for homes over $350k. SEPARATE 1% 'mansion tax' on $1M+ residential is BUYER-paid (not in these numbers). NJ RTF is intricate (partial exemptions exist) - verify for high-value or special cases.
What are typical seller closing costs in New Jersey?
Excluding the real estate agent commission, sellers in New Jersey typically pay about 1.0%-2.0% (seller side) of the sale price in closing costs. Attorney-review state. Owner's title policy customarily paid by BUYER.
What is the typical real estate commission in New Jersey?
Commission in New Jersey is negotiated between the seller and the listing brokerage — combined rates commonly land in the mid-single digits, but there is no set rate. Since the 2024 NAR settlement, what the seller offers the buyer's brokerage (if anything) is negotiated in the purchase contract, not advertised on the MLS.
Do I need an attorney to sell a home in New Jersey?
New Jersey has a 3-day attorney-review period built into standard purchase contracts.