US Home Sales Tax

Montana seller net proceeds calculator

Montana has no transfer tax. The state constitution bars any state or local tax on the sale of real property.

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Other closing costs cover title, escrow or attorney fees and recording. One percent is a common planning figure.

Estimated net proceedsMontana ยท Rates verified November 2026
Pay to the order ofYou, the seller$374,000

Three hundred seventy-four thousand and 00/100 dollars

$400,000 sale, less $26,000 in costs and payoff

Itemised estimate
Sale price$400,000
Agent commission-$22,000
Transfer taxMontana has no transfer tax.$0
Other closing costs-$4,000
Mortgage payoff$0
You keep$374,000

How transfer tax works in Montana

Rate
None
Who usually pays
Nobody. Montana does not tax the transfer of a home.
Local taxes
None.
Official source
Montana Constitution, Article VIII, section 17
Last verified

What a Montana seller keeps at common sale prices

Sale priceSeller keeps before mortgage payoff
$150,000$140,250
$250,000$233,750
$400,000$374,000
$600,000$561,000
$1,000,000$935,000

Assumes a 5.5% agent commission and 1% in other closing costs. Change any figure in the calculator above.

Questions Montana sellers ask

Does Montana have a real estate transfer tax?

No. Montana has no transfer tax. The state constitution bars any state or local tax on the sale of real property.

Who pays the transfer tax in Montana, the buyer or the seller?

Nobody. Montana does not tax the transfer of a home.

Are there city or county transfer taxes in Montana?

No. Montana cities and counties do not add one.

How do I estimate my net proceeds in Montana?

Start with the sale price, then subtract the agent commission, title and closing fees, and the balance left on your mortgage. On a $400,000 sale with a 5.5% commission and 1% in other costs, a Montana seller keeps about $374,000 before paying off the mortgage.

Buying in Montana instead? See taxes when buying a house in Montana.

More on the basics: What closing costs does a seller pay?, Who pays the transfer tax, the buyer or the seller?, How to calculate net proceeds from a home sale.

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