Kentucky seller net sheet calculator

Kentucky’s transfer tax is $0.50 per $500, or 0.1%, and the law puts it on the seller. Property taxes are billed in the fall, so sellers usually credit buyers for the year to date.

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

State Closing date

Kentucky: Real estate transfer tax: 0.1% of the price, usually paid by the seller. Owner’s title is usually paid by the buyer.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $94,616

42%keeps

Sale price$225,000
Commissions−$12,375
- Listing agent commission (3%)est.−$6,750
- Buyer’s agent compensation (2.5%)est.−$5,625
Loans and liens−$115,000
- Mortgage payoff−$115,000
Title and closing−$700
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$2,309
- Real estate transfer tax−$225
- Property taxes (prorated)est.−$2,084
Net to seller$94,616

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 Kentucky sale, worked out

The calculator opens on $225,000, about the median value of an owner-occupied home in Kentucky ($226,000, 2024 Census estimate), with a $115,000 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 $3,009, or 1.34% of the price, for a closing on December 5, 2026. Kentucky’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 $225,000, before commissions and the payoff
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Real estate transfer tax	−$225
Property taxes (prorated)est.	−$2,084
Total	−$3,009

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

The real estate transfer tax and title at other prices

Real estate transfer tax is 0.1% of the price, usually paid by the seller. The owner’s policy below is an estimate; your title company’s quote will differ. The buyer usually pays for it here, so it isn’t in the seller’s costs above.

Sale price	Whole real estate transfer 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 Kentucky: what to know

Real estate transfer tax

Kentucky law imposes the transfer tax on the seller: $0.50 per $500 of value (0.1%), based on the full price including liens. The county clerk collects it once at recording.

Title insurance

By Kentucky custom the buyer pays for the owner’s policy. Confirm with your title company.

Who runs the closing

Kentucky doesn’t require an attorney at closing, but attorneys commonly do title exams and many closings. The seller typically pays for deed preparation.

Property taxes

Kentucky taxes the calendar year based on a January 1 assessment, billed in the fall and due by December 31, with a 2% discount if paid by November 1. A mid-year sale happens before the bill goes out, so the seller credits the buyer from January 1 to closing.

Selling in Kentucky: questions

Who pays transfer tax in Kentucky?

The seller. Kentucky law imposes the 0.1% transfer tax on the grantor, collected by the county clerk when the deed is recorded.

Does a Kentucky seller pay for deed preparation?

Typically, yes. Kentucky sellers usually pay to have the deed prepared, often by an attorney.

How are property taxes prorated in Kentucky?

Kentucky bills the calendar year in the fall, due by December 31, so at a mid-year closing the seller credits the buyer for January 1 to closing.

How much are seller closing costs in Kentucky?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Kentucky seller’s costs on a $225,000 sale come to about $3,009 with the calculator’s estimates and a December 5, 2026 closing: settlement or escrow fee $600, recording and release fees $100, real estate transfer tax $225, property taxes (prorated) $2,084. Put in your own numbers above for a closer figure.

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