Missouri seller net sheet calculator

Missouri has no transfer tax, and its constitution bars new ones. The state insurance department says the seller often pays for the owner’s title policy.

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

State Closing date

Missouri: 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 $107,021

42%keeps

Sale price$255,000
Commissions−$14,025
- Listing agent commission (3%)est.−$7,650
- Buyer’s agent compensation (2.5%)est.−$6,375
Loans and liens−$130,000
- Mortgage payoff−$130,000
Title and closing−$1,593
- Owner’s title insuranceest.−$893
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$2,361
- Property taxes (prorated)est.−$2,361
Net to seller$107,021

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 Missouri sale, worked out

The calculator opens on $255,000, about the median value of an owner-occupied home in Missouri ($254,400, 2024 Census estimate), with a $130,000 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 $3,954, or 1.55% of the price, for a closing on December 5, 2026. Missouri is one of the states with no state transfer tax.

Seller’s costs on $255,000, before commissions and the payoff
Owner’s title insuranceest.	−$893
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Property taxes (prorated)est.	−$2,361
Total	−$3,954

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

The title policy at other prices

Missouri 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 Missouri: what to know

No state transfer tax

Missouri has no state or local real estate transfer tax. Since 2010 the Missouri Constitution has barred the state and local governments from imposing any new tax on the sale or transfer of real estate, so only flat recording fees apply.

Title insurance

Missouri’s Department of Commerce and Insurance says the seller often pays for the owner’s policy and the buyer pays for the lender’s, and suggests asking your agent what is usual locally. Practice may differ in some metro counties. The owner’s policy isn’t required.

Who runs the closing

Title companies acting as settlement agents typically close Missouri sales. An attorney isn’t required.

Property taxes

Missouri taxes the calendar year based on ownership January 1. Bills go out in the fall and are due by December 31. At closing the seller credits the buyer from January 1 to closing, usually based on the prior year’s bill.

Selling in Missouri: questions

Does Missouri have a transfer tax?

No. Missouri has no transfer tax, and the state constitution bars any new tax on selling or transferring real estate.

Who pays for title insurance in Missouri?

The Missouri insurance department says the seller often pays for the owner’s policy and the buyer pays for the lender’s. Practice can differ by area, so check your contract.

How are property taxes prorated in Missouri?

Missouri taxes are due by December 31 for the calendar year, so the seller credits the buyer for January 1 to closing, usually from last year’s bill.

How much are seller closing costs in Missouri?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Missouri seller’s costs on a $255,000 sale come to about $3,954 with the calculator’s estimates and a December 5, 2026 closing: owner’s title insurance $893, settlement or escrow fee $600, recording and release fees $100, property taxes (prorated) $2,361. Put in your own numbers above for a closer figure.

Is anything I type saved?

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