Utah seller net sheet calculator

Utah has no real estate transfer tax. By custom the seller pays for the standard owner’s title policy.

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

State Closing date

Utah: 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 $232,370

43%keeps

Sale price$545,000
Commissions−$29,975
- Listing agent commission (3%)est.−$16,350
- Buyer’s agent compensation (2.5%)est.−$13,625
Loans and liens−$275,000
- Mortgage payoff−$275,000
Title and closing−$2,608
- Owner’s title insuranceest.−$1,908
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$5,047
- Property taxes (prorated)est.−$5,047
Net to seller$232,370

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 Utah sale, worked out

The calculator opens on $545,000, about the median value of an owner-occupied home in Utah ($545,200, 2024 Census estimate), with a $275,000 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 $7,655, or 1.4% of the price, for a closing on December 5, 2026. Utah is one of the states with no state transfer tax.

Seller’s costs on $545,000, before commissions and the payoff
Owner’s title insuranceest.	−$1,908
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Property taxes (prorated)est.	−$5,047
Total	−$7,655

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

The title policy at other prices

Utah 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.

Selling in Utah: what to know

No state transfer tax

Utah has no state or local real estate transfer tax.

Title insurance

Under Utah’s standard purchase contract practice, the seller pays for the standard owner’s policy. Confirm with your title company.

Who runs the closing

Title and escrow companies close Utah sales. An attorney isn’t required.

Property taxes

Utah generally bills the calendar year in the fall, due November 30 of the same year, so for most of the year taxes are unpaid and the seller credits the buyer from January 1 to closing.

Selling in Utah: questions

Does Utah have a transfer tax?

No. Utah has no transfer tax, so sellers pay only ordinary closing costs.

Who pays for title insurance in Utah?

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

How are property taxes prorated in Utah?

Utah taxes are due November 30 for the calendar year, so at most closings the seller credits the buyer for January 1 to closing.

How much are seller closing costs in Utah?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Utah seller’s costs on a $545,000 sale come to about $7,655 with the calculator’s estimates and a December 5, 2026 closing: owner’s title insurance $1,908, settlement or escrow fee $600, recording and release fees $100, property taxes (prorated) $5,047. 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.