North Carolina seller net sheet calculator

North Carolina sellers pay the state excise tax, $1 per $500 or 0.2% of the price. An attorney conducts the closing, and sellers usually pay a separate deed-preparation fee.

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

State Closing date

North Carolina: Excise tax: 0.2% of the price, 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 $141,203

42%keeps

Sale price$335,000
Commissions−$18,425
- Listing agent commission (3%)est.−$10,050
- Buyer’s agent compensation (2.5%)est.−$8,375
Loans and liens−$170,000
- Mortgage payoff−$170,000
Title and closing−$1,600
- Settlement or escrow feeest.−$600
- Closing attorneyest.−$900
- Recording and release feesest.−$100
Taxes−$3,772
- Excise tax−$670
- Property taxes (prorated)est.−$3,102
Net to seller$141,203

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 North Carolina sale, worked out

The calculator opens on $335,000, about the median value of an owner-occupied home in North Carolina ($333,000, 2024 Census estimate), with a $170,000 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 $5,372, or 1.6% of the price, for a closing on December 5, 2026. North Carolina’s transfer tax on a $400,000 sale is the 25th highest of the 35 states and DC that have one.

Seller’s costs on $335,000, before commissions and the payoff
Settlement or escrow feeest.	−$600
Closing attorneyest.	−$900
Recording and release feesest.	−$100
Excise tax	−$670
Property taxes (prorated)est.	−$3,102
Total	−$5,372

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

The excise tax and title at other prices

Excise tax is 0.2% 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 excise tax	Seller usually pays	Owner’s title policy
$250,000	$500	$500	$875est.
$500,000	$1,000	$1,000	$1,750est.
$750,000	$1,500	$1,500	$2,625est.
$1,000,000	$2,000	$2,000	$3,500est.
$2,000,000	$4,000	$4,000	$7,000est.

Counties or cities in North Carolina can add a tax of their own. Add it under Other costs in the calculator.

Selling in North Carolina: what to know

Excise tax

North Carolina’s excise tax, often called revenue stamps, is $1 per $500 of the price (0.2%), rounded up to the next $500, so $600 on a $300,000 sale. The seller must pay it before the deed is recorded.

Title insurance

The buyer customarily pays for the owner’s policy in North Carolina, and the buyer’s closing attorney orders the title work.

Who runs the closing

In North Carolina an attorney conducts the closing and certifies title, typically the buyer’s attorney. Sellers usually pay a separate fee for deed preparation.

Property taxes

North Carolina generally bills the calendar year in summer, due September 1 and delinquent after January 5. Before the bill is paid the seller credits the buyer; after it is paid the buyer reimburses the seller.

Local differences

A few northeastern coastal counties, such as Dare and Currituck, have been reported to charge an extra local land transfer tax of 1%, paid by the seller. Confirm with the county register of deeds.

Selling in North Carolina: questions

Who pays transfer tax in North Carolina?

The seller. North Carolina’s excise tax of $1 per $500 (0.2%) must be paid by the seller before the deed is recorded.

Does North Carolina require an attorney at closing?

Yes, by practice. An attorney conducts North Carolina closings and certifies title, usually the buyer’s attorney, and sellers pay a separate deed-preparation fee.

How are property taxes prorated in North Carolina?

North Carolina taxes are due September 1 for the calendar year, so before payment the seller credits the buyer and after payment the buyer reimburses the seller.

How much are seller closing costs in North Carolina?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a North Carolina seller’s costs on a $335,000 sale come to about $5,372 with the calculator’s estimates and a December 5, 2026 closing: settlement or escrow fee $600, closing attorney $900, recording and release fees $100, excise tax $670, property taxes (prorated) $3,102. Put in your own numbers above for a closer figure.

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