Indiana seller net sheet calculator

Indiana has no transfer tax, just a $20 sales disclosure fee. The seller customarily pays for the owner’s title policy, and taxes are paid a year behind, so sellers credit buyers at closing.

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

State Closing date

Indiana: No state transfer tax. Owner’s title is usually paid by the seller.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $102,698

42%keeps

Sale price$245,000
Commissions−$13,475
- Listing agent commission (3%)est.−$7,350
- Buyer’s agent compensation (2.5%)est.−$6,125
Loans and liens−$125,000
- Mortgage payoff−$125,000
Title and closing−$1,558
- Owner’s title insuranceest.−$858
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$2,269
- Property taxes (prorated)est.−$2,269
Net to seller$102,698

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 Indiana sale, worked out

The calculator opens on $245,000, about the median value of an owner-occupied home in Indiana ($243,500, 2024 Census estimate), with a $125,000 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 $3,827, or 1.56% of the price, for a closing on December 5, 2026. Indiana is one of the states with no state transfer tax.

Seller’s costs on $245,000, before commissions and the payoff
Owner’s title insuranceest.	−$858
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Property taxes (prorated)est.	−$2,269
Total	−$3,827

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

The title policy at other prices

Indiana has no state transfer tax, so the seller’s state-set costs come down to title and closing fees. The owner’s policy below is an estimate; your title company’s quote will differ. The seller usually pays for it.

Sale price	Owner’s title policy
$250,000	$875est.
$500,000	$1,750est.
$750,000	$2,625est.
$1,000,000	$3,500est.
$2,000,000	$7,000est.

Selling in Indiana: what to know

No state transfer tax

Indiana has no real estate transfer tax. A $20 fee is paid to the county auditor with the sales disclosure form, and the contract says who pays it.

Title insurance

Indiana is a seller-pay state: the seller customarily furnishes and pays for the owner’s policy.

Who runs the closing

Title companies typically close Indiana sales. An attorney isn’t required.

Property taxes

Indiana taxes assessed for one year are due in two installments, May 10 and November 10, of the following year. At closing the seller credits the buyer for all accrued unpaid tax, which is often more than a full year.

Selling in Indiana: questions

Is there a transfer tax in Indiana?

No. Indiana has no transfer tax; a $20 sales disclosure fee is paid to the county auditor instead.

Who pays for title insurance in Indiana?

The seller customarily pays for the owner’s policy in Indiana.

Why is the property tax credit so large when selling in Indiana?

Indiana taxes are paid the year after they are assessed, in May and November, so a seller usually owes the buyer for unpaid tax that can exceed a full year.

How much are seller closing costs in Indiana?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Indiana seller’s costs on a $245,000 sale come to about $3,827 with the calculator’s estimates and a December 5, 2026 closing: owner’s title insurance $858, settlement or escrow fee $600, recording and release fees $100, property taxes (prorated) $2,269. Put in your own numbers above for a closer figure.

Is anything I type saved?

No. The calculator runs in your browser and sends nothing to us. A copied link carries the numbers in the address itself, so only people you share it with can open them.