Travis County, Texas · Seller net sheet

Travis County seller net sheet calculator

Travis County (Austin) sellers pay no transfer tax at any level. The seller sheet here is driven by commissions, the mortgage payoff, the seller-paid owner's title policy, and a property tax proration based on Austin's high assessed values.

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Single offer

One set of terms, full itemized net sheet.

Estimated Net Proceeds

$205,200

Property label

Shown on the PDF report and used in the file name.

Sale price

Estimated closing date

Seller agent commission3%

Buyer agent commission2.5%

Outstanding mortgage payoff

Your Estimated Net Walkaway Cash

$205,200

Closing on Sep 13, 2026 · $319,800 in payoff, commissions & costs

Where the gross sale goes

$525,000 sale price broken down

Mortgage Payoff
$285,000
54.3% of gross sale
Total Commissions
$28,875
5.5% of gross sale
Closing/Agent costs
$5,925
1.1% of gross sale
Your Net Cash
$205,200
39.1% of gross sale

Itemized breakdown

Every line, and the share you pay as the seller

Itemized seller closing cost breakdown
Item	Full	Your share
Sale price	—	$525,000
Mortgage payoff	—	−$285,000
Listing agent commission(3%)	—	−$15,750
Buyer agent commission(2.5%)	—	−$13,125
Title Insurance Policy(Seller)	$1,800	−$1,800
Transfer Tax	$2,100	−$2,100
Recording Fees	$150	−$150
Escrow / Settlement Fee(50/50)	$950	−$475
Prorated Property Taxes	$1,400	−$1,400
Estimated net proceeds		$205,200

Selling a primary residence? Read our capital gains tax on home sale guide to estimate any federal tax owed on top of these net proceeds.

What Travis County sellers should know

Local transfer tax

Travis County and the City of Austin charge no real estate transfer tax — Texas prohibits them statewide.

Title & closing custom

Travis County follows Texas custom — the seller pays for the owner's title policy, escrow is generally split 50/50.

Property taxes

Travis County's average effective property tax rate is about 1.80%, and rising valuations in Austin have kept bills high even as rates were compressed.

Travis County seller FAQs

How much does it cost to sell a house in Travis County, Texas?

Plan on roughly 6% to 8% of the sale price. There is no transfer tax; the costs are agent commissions, the owner's title policy (state-set rates), roughly half the escrow fee, about $100 in recording fees, any HOA transfer fee, and prorated property taxes through closing.

Does Austin charge its own real estate transfer tax?

No. Texas prohibits transfer taxes statewide, and the City of Austin cannot impose one. This is a real advantage over comparable markets like Los Angeles, Chicago, or New York City, where local transfer taxes can cost a seller tens of thousands of dollars.

How is the property tax proration calculated in Travis County?

Take your annual Travis County tax bill, divide by 365, and multiply by the number of days you owned the home in the tax year before closing. That amount is credited to the buyer, who then pays the full bill when it comes due. The calculator does this for you and lets you edit the annual figure to match your actual bill.

Seller guide

Understanding Closing Costs & Net Proceeds in Texas

Selling a home in Texas is usually cheaper at the closing table than in most big states because Texas charges no state transfer tax. Your biggest costs will be your mortgage payoff, agent commissions, and the owner's title policy — which sellers here traditionally pay for.

Key local custom breakdown

Transfer tax: Texas has no state or county transfer tax, so you only pay small recording fees (usually around $100).
Title insurance: By local custom the seller buys the Owner's Title Policy for the buyer; escrow fees are typically split 50/50.
Commissions: After the 2024 NAR settlement, the listing fee and any buyer-agent concession are negotiated separately — you're no longer locked into a flat 6%.

How the Texas transfer tax is calculated

Transfer Tax = $0 (Texas has no state transfer tax)

Only county recording fees (~$100) and your own closing costs apply.

Frequently asked questions (Texas real estate)

What is the real estate transfer tax rate in Texas?: Texas is one of the few states that charges $0 in state real estate transfer taxes. The state constitution strictly prohibits the imposition of a joint transfer tax on real estate sales, keeping your transaction fees significantly lower than states like New York or California.
Who pays for title insurance and escrow fees in Texas?: By Texas real estate custom, the seller traditionally purchases and pays for the Owner's Title Insurance Policy, while the buyer pays for their lender's title policy. Escrow and settlement fees are typically split 50/50 between the buyer and the seller.
How do the new 2026 commission rules affect Texas home sellers?: Following the historic NAR settlement, real estate commissions are decoupled. Texas sellers no longer blindly offer a fixed 6% blanket commission on the MLS. Listing agent fees and buyer agent concessions are negotiated separately. Sumline separates these inputs so you can accurately protect your equity.

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