Typical seller costs
| Cost | Typical amount | Notes |
|---|---|---|
| Listing agent commission | Negotiable | Set in your listing agreement. There is no standard rate. |
| Buyer's agent compensation | Optional | Not required since the 2024 NAR settlement. Can be offered or negotiated. |
| Owner's title insurance | About $2,300 on $500,000 | Paid by the seller under the standard Arizona contract. Based on published Maricopa County rates. |
| Escrow fee (your half) | About $800 on $500,000 | Split equally with the buyer unless the contract says otherwise. |
| HOA resale and disclosure fees | Up to $400 | Capped by state law, plus up to $100 for rush service. Some HOAs also charge a transfer fee if their documents allow it. |
| Recording fees | $30 per document | For example, recording the release of your mortgage. |
| Prorated property taxes | Varies | You credit the buyer for unpaid taxes up to the closing date. |
| Home warranty | $400–$700 | Optional. Sometimes offered to buyers as an incentive. |
| Wire and courier fees | $25–$100 | Varies by escrow company. |
Title and escrow estimates use First American Title's published Maricopa County figures for a $500,000 sale. Your escrow company's quote will vary.
Other amounts that come out of your proceeds
- Your mortgage payoff, including interest through the payoff date.
- Any solar loan payoff, or the paperwork to transfer a solar lease to the buyer.
- Seller concessions you agree to, like closing-cost help or a rate buydown.
- Repair credits negotiated after inspections.
Your net sheet
Before you list, I prepare a net sheet with your expected price, commissions, closing costs, and mortgage payoff, so you know what you'll walk away with at different sale prices.
Common questions
How much are seller closing costs in Arizona?
Not counting commissions, usually about 0.75% to 1% of the sale price. On a $500,000 home, roughly $3,500 to $5,000.
Who pays for title insurance in Arizona?
Under the standard Arizona REALTORS® purchase contract, the seller pays for the buyer's owner's title policy. The buyer pays for the lender's policy and any extended coverage.
Does Arizona have a transfer tax when you sell a house?
No. Arizona has no real estate transfer tax.
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Fees and tax rules change, so confirm current figures with me, your escrow officer, and your CPA before you rely on them.