South Dakota seller net sheet calculator

South Dakota sellers pay a transfer fee of $0.50 per $500, or 0.1% of the price. The seller customarily pays for the owner’s title policy too.

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

State Closing date

South Dakota: Transfer fee: 0.1% of the price, usually paid by the seller. Owner’s title is usually paid by the seller.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $124,360

43%keeps

Sale price$290,000
Commissions−$15,950
- Listing agent commission (3%)est.−$8,700
- Buyer’s agent compensation (2.5%)est.−$7,250
Loans and liens−$145,000
- Mortgage payoff−$145,000
Title and closing−$1,715
- Owner’s title insuranceest.−$1,015
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$2,975
- Transfer fee−$290
- Property taxes (prorated)est.−$2,685
Net to seller$124,360

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.

Save it to your client and send it as a link. Net sheets are free in Workspace, opening soon.Save it to your client and send it as a link. Net sheets are free in Workspace.Save it to your client and send it as a link. Net sheets are free in Workspace.

A South Dakota sale, worked out

The calculator opens on $290,000, about the median value of an owner-occupied home in South Dakota ($289,600, 2024 Census estimate), with a $145,000 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 $4,690, or 1.62% of the price, for a closing on December 5, 2026. South Dakota’s transfer tax on a $400,000 sale is the 30th highest of the 35 states and DC that have one.

Seller’s costs on $290,000, before commissions and the payoff
Owner’s title insuranceest.	−$1,015
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Transfer fee	−$290
Property taxes (prorated)est.	−$2,685
Total	−$4,690

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

The transfer fee and title at other prices

Transfer fee is 0.1% of the price, usually paid by the seller. The owner’s policy below is an estimate; your title company’s quote will differ. The seller usually pays for it.

Sale price	Whole transfer fee	Seller usually pays	Owner’s title policy
$250,000	$250	$250	$875est.
$500,000	$500	$500	$1,750est.
$750,000	$750	$750	$2,625est.
$1,000,000	$1,000	$1,000	$3,500est.
$2,000,000	$2,000	$2,000	$7,000est.

Selling in South Dakota: what to know

Transfer fee

South Dakota’s real estate transfer fee is $0.50 per $500 of value (0.1%), rounded up to the next $500, and the law says the seller pays it.

Title insurance

The seller customarily provides and pays for the owner’s policy in South Dakota.

Who runs the closing

Title companies close South Dakota sales. An attorney isn’t required.

Property taxes

South Dakota taxes for a year are generally payable the following year, with the first half due April 30 and the second half October 31, so they are paid in arrears and the seller credits the buyer.

Selling in South Dakota: questions

Who pays the transfer fee in South Dakota?

The seller. South Dakota law says the grantor pays the fee of $0.50 per $500 (0.1%).

Who pays for title insurance in South Dakota?

The seller customarily pays for the owner’s policy in South Dakota.

How are property taxes prorated in South Dakota?

South Dakota taxes are paid the year after they are levied, so the seller usually credits the buyer for the time they owned the home.

How much are seller closing costs in South Dakota?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a South Dakota seller’s costs on a $290,000 sale come to about $4,690 with the calculator’s estimates and a December 5, 2026 closing: owner’s title insurance $1,015, settlement or escrow fee $600, recording and release fees $100, transfer fee $290, property taxes (prorated) $2,685. 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.