Oregon seller net sheet calculator

Oregon has no statewide transfer tax; only Washington County charges one, at 0.1%. The seller customarily pays for the standard owner’s title policy.

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

State Closing date

County or city

Oregon: 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 $220,420

44%keeps

Sale price$500,000
Commissions−$27,500
- Listing agent commission (3%)est.−$15,000
- Buyer’s agent compensation (2.5%)est.−$12,500
Loans and liens−$250,000
- Mortgage payoff−$250,000
Title and closing−$2,450
- Owner’s title insuranceest.−$1,750
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$370
- Property tax credit (prorated)est.+$370
Net to seller$220,420

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 Oregon sale, worked out

The calculator opens on $500,000, about the median value of an owner-occupied home in Oregon ($497,500, 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 $2,080, or 0.42% of the price, for a closing on December 5, 2026. Oregon is one of the states with no state transfer tax.

Seller’s costs on $500,000, before commissions and the payoff
Owner’s title insuranceest.	−$1,750
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Property tax credit (prorated)est.	+$370
Total	−$2,080

A “+” is a credit to the seller: taxes the seller already paid for days after closing.

The title policy at other prices

Oregon 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.

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

Selling in Oregon: what to know

No state transfer tax

Oregon has no state transfer tax, and state law bars local ones except taxes already in effect in 1997. That leaves Washington County (Hillsboro, Beaverton, Tigard), which charges $1 per $1,000 of the price (0.1%). The county says liability is between buyer and seller.

Title insurance

The seller customarily pays for the standard-coverage owner’s policy in Oregon. Confirm with your title company.

Who runs the closing

Escrow and title companies close Oregon sales. An attorney isn’t required.

Property taxes

Oregon’s tax year runs July 1 to June 30, with bills in October. Taxes can be paid in full (with a discount) or in thirds due November 15, February 15 and May 15. They cover the current year and are paid before it ends, so the buyer generally reimburses the seller for the prepaid period.

Local differences

Washington County (Hillsboro, Beaverton, Tigard) is the only Oregon county with a transfer tax: $1 per $1,000 (0.1%). Most of Portland is in Multnomah County, which has none. Pick Washington County in the calculator to include it.

Oregon by county

Most of Oregon follows the rules above. These counties add a tax of their own, set a different rate or change who pays, and the calculator applies them when you pick one. Amounts are what the seller usually pays in transfer and deed taxes on $500,000, plus the owner’s title policy where the seller usually buys it.

Everywhere else in Oregon

The state’s rules, as above

$1,750

Washington County

County transfer tax 0.1%
Split between buyer and seller

$2,000 +$250 vs. elsewhere

Selling in Oregon: questions

Does Oregon have a transfer tax?

Only in Washington County, which charges $1 per $1,000 (0.1%). State law bars other counties and cities from adding one.

Who pays for title insurance in Oregon?

The seller customarily pays for the standard owner’s policy in Oregon.

How are property taxes prorated when selling in Oregon?

Oregon taxes for the July-to-June year are paid by November 15 or in thirds, so a seller who has paid usually gets reimbursed by the buyer for the months after closing.

How much are seller closing costs in Oregon?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Oregon seller’s costs on a $500,000 sale come to about $2,080 with the calculator’s estimates and a December 5, 2026 closing: owner’s title insurance $1,750, settlement or escrow fee $600, recording and release fees $100, property tax credit (prorated) (a $370 credit). 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.