US Home Sales Tax

Texas seller net proceeds calculator

Texas has no transfer tax, and the state constitution bars lawmakers from creating one.

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

Estimated net proceedsTexas 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 taxTexas has no transfer tax.$0
Other closing costs-$4,000
Mortgage payoff$0
You keep$374,000

How transfer tax works in Texas

Rate
None
Who usually pays
Nobody. Texas does not tax the transfer of a home.
Local taxes
None.
Official source
Texas Constitution, Article VIII, section 29
Last verified

What a Texas 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 Texas sellers ask

Does Texas have a real estate transfer tax?

No. Texas has no transfer tax, and the state constitution bars lawmakers from creating one.

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

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

Are there city or county transfer taxes in Texas?

No. Texas cities and counties do not add one.

How do I estimate my net proceeds in Texas?

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 Texas seller keeps about $374,000 before paying off the mortgage.

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

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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