New Jersey seller net sheet calculator

New Jersey sellers pay the Realty Transfer Fee, which climbs with the price, and since July 10, 2025 also a Graduated Percent Fee of 1% to 3.5% on homes over $1 million. The buyer customarily pays for the owner’s title policy.

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

State Closing date

New Jersey: Realty transfer fee: 0.58% to 1.21%, by price, plus the graduated percent fee over $1 million, usually paid by the seller. Owner’s title is usually paid by the buyer. An attorney usually handles the closing.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $207,464

42%keeps

Sale price$495,000
Commissions−$27,225
- Listing agent commission (3%)est.−$14,850
- Buyer’s agent compensation (2.5%)est.−$12,375
Loans and liens−$250,000
- Mortgage payoff−$250,000
Title and closing−$1,600
- Settlement or escrow feeest.−$600
- Closing attorneyest.−$900
- Recording and release feesest.−$100
Taxes−$8,711
- Realty transfer fee−$4,127
- Property taxes (prorated)est.−$4,584
Net to seller$207,464

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 New Jersey sale, worked out

The calculator opens on $495,000, about the median value of an owner-occupied home in New Jersey ($496,000, 2024 Census estimate), with a $250,000 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 $10,311, or 2.08% of the price, for a closing on December 5, 2026. New Jersey’s transfer tax on a $400,000 sale is the 10th highest of the 35 states and DC that have one.

Seller’s costs on $495,000, before commissions and the payoff
Settlement or escrow feeest.	−$600
Closing attorneyest.	−$900
Recording and release feesest.	−$100
Realty transfer fee	−$4,127
Property taxes (prorated)est.	−$4,584
Total	−$10,311

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

The realty transfer fee and title at other prices

Realty transfer fee is 0.58% to 1.21%, by price, plus the graduated percent fee over $1 million, 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 realty transfer fee	Seller usually pays	Owner’s title policy
$250,000	$1,325	$1,325	$875est.
$500,000	$4,175	$4,175	$1,750est.
$750,000	$6,775	$6,775	$2,625est.
$1,000,000	$9,575	$9,575	$3,500est.
$2,000,000	$41,675	$41,675	$7,000est.

Selling in New Jersey: what to know

Realty transfer fee

New Jersey’s Realty Transfer Fee is paid by the seller and charged per $500 at marginal rates. On sales over $350,000 it is 0.58% up to $150,000, 0.85% to $200,000, 0.96% to $550,000, 1.06% to $850,000, 1.16% to $1 million and 1.21% above, so $4,175 on a $500,000 sale. At $350,000 or less a lower schedule applies (0.4%, 0.67% and 0.78%), and reduced rates exist for senior, blind and disabled sellers and some affordable housing.

Title insurance

The buyer customarily pays for the owner’s policy throughout New Jersey.

Who runs the closing

In North and Central New Jersey both sides customarily hire attorneys, and contracts carry a three-business-day attorney review period. South Jersey often closes through title companies with less attorney involvement. An attorney isn’t legally required.

Property taxes

New Jersey taxes the calendar year in quarterly installments due February 1, May 1, August 1 and November 1, each covering the current quarter. Taxes are prorated by the quarter paid against the closing date.

Local differences

Graduated Percent Fee on sales over $1 million (homes, farms with a residence, co-ops and some commercial property), charged on the whole price and paid by the seller: 1% to $2 million, 2% to $2.5 million, 2.5% to $3 million, 3% to $3.5 million and 3.5% above.

Selling in New Jersey: questions

Who pays the realty transfer fee in New Jersey?

The seller. New Jersey law makes the seller responsible for the Realty Transfer Fee and, since July 10, 2025, the Graduated Percent Fee on sales over $1 million.

What happened to New Jersey’s mansion tax?

On July 10, 2025 the buyer-paid 1% mansion tax was replaced by a seller-paid Graduated Percent Fee of 1% to 3.5% of the entire price on sales over $1 million.

How much is the transfer fee on a $500,000 home in New Jersey?

About $4,175, using New Jersey’s marginal rates for sales over $350,000: 0.58% on the first $150,000, 0.85% to $200,000 and 0.96% on the rest.

How much are seller closing costs in New Jersey?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a New Jersey seller’s costs on a $495,000 sale come to about $10,311 with the calculator’s estimates and a December 5, 2026 closing: settlement or escrow fee $600, closing attorney $900, recording and release fees $100, realty transfer fee $4,127, property taxes (prorated) $4,584. Put in your own numbers above for a closer figure.

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