Pennsylvania Seller Closing Costs & Net Proceeds Calculator
Estimate exactly what you'll walk away with after selling a home in Pennsylvania. Defaults below reflect typical Pennsylvania transfer-tax treatment, title custom, and seller closing costs.
Data last reviewed: August 2026
Estimated net proceeds — Pennsylvania
$0
Enter a sale price below to estimate your net proceeds in Pennsylvania.
Net Proceeds Calculator — Pennsylvania
Defaults reflect typical Pennsylvania practice. Edit any field to match your transaction.
Figures last updated: August 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 Pennsylvania, 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 |
| Settlement / escrow fee | − $450 |
| Home warranty | − $0 |
| Repairs / concessions | − $0 |
| Property tax proration | − $0 |
| HOA dues owed | − $0 |
| Total deductions | − $525 |
| Estimated net proceeds | $0 |
Selling a home in Pennsylvania: what to expect
Transfer / excise tax
~2% total (1% state + ~1% local), split — Pittsburgh ~5%, Philadelphia ~4.278%.
Title & closing custom
Owner's title policy customarily paid by the BUYER.
Recording fees ~$65-$100.
Typical commission
Around 5.5% of the sale price in Pennsylvania, 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%-2.5% of sale price; significantly higher in Philadelphia (excluding agent commission).
Notes specific to Pennsylvania
- Pennsylvania's combined state and local realty transfer tax is typically around 2% statewide, customarily split 50/50 between buyer and seller — but Philadelphia's combined rate is 4.278%, dramatically higher.
- Buyers customarily pay for the owner's title insurance policy in Pennsylvania.
- Closings can be handled by title companies or attorneys.
A real example: selling a median-priced home in Pennsylvania
Pennsylvania's median sale price was $318,867 in May 2026 (Redfin), up 5.6% year-over-year, with a median 36 days on the market. Pennsylvania's realty transfer tax is unusual in this project: it's customarily split 50/50 between buyer and seller rather than paid entirely by one side. Running the numbers through this calculator's Pennsylvania defaults: a 5.5% commission comes to $17,538, the seller's roughly 1% share of the ~2% combined transfer tax adds $3,189, and closing costs of 1.0%–2.5% add roughly $5,580 at the midpoint — total deductions land near $26,307, about 8.25% of the sale price, the highest percentage in this batch.
Philadelphia sellers should budget differently: the city's combined transfer tax rate is 4.278%, more than double the statewide typical rate — on the median price, that's roughly $13,641 split between both parties, versus about $6,377 (2%) elsewhere in the state. Buyers, meanwhile, customarily cover the owner's title insurance policy statewide, which softens the seller's side somewhat.
Frequently asked questions — Pennsylvania
Who pays the transfer tax in Pennsylvania?
~2% total (1% state + ~1% local), split — Pittsburgh ~5%, Philadelphia ~4.278%.
What are typical seller closing costs in Pennsylvania?
Excluding the real estate agent commission, sellers in Pennsylvania typically pay about 1.0%-2.5% ; significantly higher in Philadelphia of the sale price in closing costs. Owner's title policy customarily paid by the BUYER.
What is the typical real estate commission in Pennsylvania?
Commission in Pennsylvania 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 Pennsylvania?
Closings can be handled by title companies or attorneys.