North Dakota seller net sheet calculator

North Dakota has no real estate transfer tax. Sellers traditionally pay to update the abstract of title, and the owner’s policy is negotiated.

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

State Closing date

North Dakota: No state transfer tax. Owner’s title is usually paid by the seller, though it varies.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $111,343

42%keeps

Sale price$265,000
Commissions−$14,575
- Listing agent commission (3%)est.−$7,950
- Buyer’s agent compensation (2.5%)est.−$6,625
Loans and liens−$135,000
- Mortgage payoff−$135,000
Title and closing−$1,628
- Owner’s title insuranceest.−$928
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$2,454
- Property taxes (prorated)est.−$2,454
Net to seller$111,343

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 Dakota sale, worked out

The calculator opens on $265,000, about the median value of an owner-occupied home in North Dakota ($266,100, 2024 Census estimate), with a $135,000 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 $4,082, or 1.54% of the price, for a closing on December 5, 2026. North Dakota is one of the states with no state transfer tax.

Seller’s costs on $265,000, before commissions and the payoff
Owner’s title insuranceest.	−$928
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Property taxes (prorated)est.	−$2,454
Total	−$4,082

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

The title policy at other prices

North Dakota 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. Who pays for it varies, so the calculator counts it for the seller; you can switch 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 North Dakota: what to know

No state transfer tax

North Dakota has no state or local real estate transfer tax. A statement of full consideration is filed with the deed, but no tax is due.

Title insurance

North Dakota is traditionally an abstract state: the seller pays to update the abstract, and who pays for an owner’s title policy, if one is bought, is negotiated. Confirm with your title company.

Who runs the closing

Title companies close most North Dakota sales. Attorney title opinions on abstracts are still used in some areas.

Property taxes

North Dakota taxes for a year are generally payable the following year: due January 1, with a discount if paid by February 15 and the first half delinquent after March 1. They are paid in arrears, so the seller credits the buyer.

Selling in North Dakota: questions

Does North Dakota have a transfer tax?

No. North Dakota has no transfer tax; a statement of full consideration is filed with the deed, but nothing is due.

Who pays for the abstract in North Dakota?

The seller traditionally pays to update the abstract of title for the sale.

How are property taxes prorated in North Dakota?

North Dakota taxes are paid the year after they are levied, so the seller usually credits the buyer for the part of the year they owned the home.

How much are seller closing costs in North Dakota?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a North Dakota seller’s costs on a $265,000 sale come to about $4,082 with the calculator’s estimates and a December 5, 2026 closing: owner’s title insurance $928, settlement or escrow fee $600, recording and release fees $100, property taxes (prorated) $2,454. Put in your own numbers above for a closer figure.

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 can open them.