Tennessee Seller Closing Costs & Net Proceeds Calculator
Estimate exactly what you'll walk away with after selling a home in Tennessee. Defaults below reflect typical Tennessee transfer-tax treatment, title custom, and seller closing costs.
Data last reviewed: August 2026
Estimated net proceeds — Tennessee
$0
Enter a sale price below to estimate your net proceeds in Tennessee.
Net Proceeds Calculator — Tennessee
Defaults reflect typical Tennessee 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
Varies by county in Tennessee — check locally. 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 Tennessee: what to expect
Transfer / excise tax
0.37% ($0.37 per $100)
Title & closing custom
Owner's title policy customarily paid by the BUYER.
Recording fees ~$12 first 2 pages + $5/page.
Typical commission
Around 5.5% of the sale price in Tennessee, 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 0.6%-1.5% of sale price (excluding agent commission).
Notes specific to Tennessee
- Tennessee charges a real estate transfer tax of $0.37 per $100 of sale price (0.37%), customarily paid by the seller.
- Tennessee has no state income tax, which keeps the seller's overall tax exposure on a home sale limited to federal capital-gains rules.
- Buyers customarily pay for the owner's title insurance policy.
Frequently asked questions — Tennessee
Who pays the transfer tax in Tennessee?
0.37% ($0.37 per $100)
What are typical seller closing costs in Tennessee?
Excluding the real estate agent commission, sellers in Tennessee typically pay about 0.6%-1.5% of the sale price in closing costs. Owner's title policy customarily paid by the BUYER.
What is the typical real estate commission in Tennessee?
Commission in Tennessee 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 Tennessee?
Tennessee closings are typically conducted by a title or escrow company; an attorney is not generally required, though sellers may choose to retain one.