Montana seller net sheet calculator
Montana has no transfer tax, and its constitution bars one. The seller customarily pays for the
Compare prices
Same costs, different prices. Useful for weighing offers or picking
A Montana sale, worked out
The calculator opens on $425,000, about the median value of an owner-occupied home in Montana ($425,400, 2024 Census estimate), with a $215,000 mortgage payoff as an example. Commissions are whatever the seller agrees, so they’re
Before commissions and the payoff, the seller’s costs come to about $6,124, or 1.44% of the price, for a closing on December 5, 2026. Montana is one of the states with no
| Owner’s title insuranceest. | −$1,488 |
|---|---|
| Settlement or escrow feeest. | −$600 |
| Recording and release feesest. | −$100 |
| Property taxes (prorated)est. | −$3,936 |
| Total | −$6,124 |
Estimates are tagged “est.”; the rest follow
The title policy at other prices
Montana 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
| 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 Montana: what to know
No state transfer tax
Montana’s constitution says neither the state nor any local government may tax the sale or transfer of real property. A Realty Transfer Certificate is filed with the deed but
Title insurance
The seller customarily pays for the owner’s policy throughout Montana. It is negotiable in
Who runs the closing
Title and escrow companies close Montana sales. An
Property taxes
Montana typically bills the calendar year in the fall, with the first half due November 30 and the second half May 31 of the next year, so taxes are paid in arrears. The seller usually credits the buyer for the year to date; confirm the dates with
Selling in Montana: questions
Does Montana have a transfer tax?
No. Montana’s constitution bars the state and local governments from taxing the sale or transfer
Who pays for title insurance in Montana?
The seller customarily pays for the owner’s policy in Montana, though the buy-sell agreement
How are property taxes prorated in Montana?
Montana taxes are typically paid in arrears, in halves due November 30 and May 31, so the seller usually credits the buyer for the
How much are seller closing costs in Montana?
Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Montana seller’s costs on a $425,000 sale come to about $6,124 with the calculator’s estimates and a December 5, 2026 closing: owner’s title insurance $1,488, settlement or escrow fee $600, recording and release fees $100, property taxes (prorated) $3,936. Put in your own numbers above for
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
Sources
Montana’s rules were checked against these on
Spot something out of date? Report a correction and we’ll check it
Was this calculator helpful?
Thanks, that helps us
Further reading
All posts
What buyers pay at closing in every state: lender and loan fees, title, buyer-only taxes like Florida's note stamps and New York's mortgage
Every line on a seller net sheet explained: commissions, payoffs, title, transfer taxes and prorations, with a worked example and every
Every state's transfer tax, checked: 36 places charge one, 15 don't, and on a $400,000 sale it runs from $40 to $16,000. Who pays
Save estimates with your clients.
Workspace opens soon, with net sheets free on every plan. Get on the early-access list and we’ll set
Workspace is free to start. Save net sheets to your clients, send them as a link, and compare prices
Workspace is free to start. Save net sheets to your clients, send them as a link, and compare prices