Alabama seller net sheet calculator

Alabama’s deed tax is 0.1% of the price, and who pays it is up to the contract. Property taxes run on an October-to-September year and are paid in arrears, so sellers usually credit the buyer at closing.

Alabama’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

Alabama: Deed tax: 0.1% of the price, usually paid by the seller, though it varies. Owner’s title is usually paid by the seller, though it varies.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $98,141

42%keeps

Sale price$235,000
Commissions−$12,925
- Listing agent commission (3%)est.−$7,050
- Buyer’s agent compensation (2.5%)est.−$5,875
Loans and liens−$120,000
- Mortgage payoff−$120,000
Title and closing−$1,523
- Owner’s title insuranceest.−$823
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$2,411
- Deed tax−$235
- Property taxes (prorated)est.−$2,176
Net to seller$98,141

An estimate, not a closing statement. The title or escrow company and your lender provide the final figures, and the loan payoff comes from the lender's payoff statement. Commissions are negotiable.

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A Alabama sale, worked out

The calculator opens on $235,000, about the median value of an owner-occupied home in Alabama ($233,300, 2024 Census estimate), with a $120,000 mortgage payoff as an example. Commissions are whatever the seller agrees, so they’re left out here.

Before commissions and the payoff, the seller’s costs come to about $3,934, or 1.67% of the price, for a closing on December 5, 2026. Alabama’s transfer tax on a $400,000 sale is the 30th highest of the 35 states and DC that have one.

Seller’s costs on $235,000, before commissions and the payoff
Owner’s title insuranceest.	−$823
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Deed tax	−$235
Property taxes (prorated)est.	−$2,176
Total	−$3,934

Estimates are tagged “est.”; the rest follow the state’s rules.

The deed tax and title at other prices

Deed tax is 0.1% of the price, usually paid by whoever the contract says. The owner’s policy below is an estimate; your title company’s quote will differ. Who pays for it varies, so the calculator counts it for the seller; you can switch it.

Sale price	Whole deed tax	Seller usually pays	Owner’s title policy
$250,000	$250	$250	$875est.
$500,000	$500	$500	$1,750est.
$750,000	$750	$750	$2,625est.
$1,000,000	$1,000	$1,000	$3,500est.
$2,000,000	$2,000	$2,000	$7,000est.

Selling in Alabama: what to know

Deed tax

Alabama charges a deed tax of $0.50 per $500 of value, or 0.1%, collected by the county probate judge. The law only says it must be paid before the deed is recorded; the statewide Realtors contract doesn’t assign it, so who pays is negotiated or set by local custom. When the buyer’s purchase mortgage is recorded with the deed, probate judges apply the deed tax only to the part of the price above the loan.

Title insurance

The statewide Alabama Realtors contract makes the owner’s title policy a buyer expense unless the parties choose otherwise, but in many Alabama markets the seller pays by local custom, and local board forms differ. Treat it as negotiable and follow your contract.

Who runs the closing

Alabama doesn’t require an attorney at closing. Closings are handled by closing attorneys or title and closing agents, and the statewide contract splits the closing agent’s fee 50/50 unless the parties agree otherwise.

Property taxes

Alabama’s tax year runs October 1 to September 30 and is collected in arrears: bills are due October 1 and become delinquent after December 31. The statewide contract prorates taxes at closing using the tax assessor’s figures, so the seller usually credits the buyer for the part of the year they owned the home.

Selling in Alabama: questions

Who pays the deed tax in Alabama?

Alabama law doesn’t say; it only requires the deed tax to be paid before the deed is recorded. The statewide Realtors contract doesn’t name it either, so the buyer and seller settle it in the contract or by local custom.

Who pays for owner’s title insurance in Alabama?

The statewide Alabama Realtors contract makes it a buyer expense unless checked otherwise, but seller-paid owner’s policies are common local custom in many Alabama markets. Your purchase contract decides.

How are property taxes prorated when you sell in Alabama?

Alabama property taxes are paid in arrears on an October-to-September tax year, with bills due October 1. At closing the seller usually credits the buyer for the unpaid taxes covering the time the seller owned the home.

How much are seller closing costs in Alabama?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Alabama seller’s costs on a $235,000 sale come to about $3,934 with the calculator’s estimates and a December 5, 2026 closing: owner’s title insurance $823, settlement or escrow fee $600, recording and release fees $100, deed tax $235, property taxes (prorated) $2,176. Put in your own numbers above for a closer figure.

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