Real Estate Commission Calculator

Calculate agent commission on a home sale. See listing and buyer agent splits and seller net proceeds.

By Konstantin Iakovlev · Updated April 2026 · Source: CFPB — Owning a Home

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Total Commission

$25,000.00

Seller Net Proceeds

$475,000.00

Listing Agent Share

$12,500.00

Commission Breakdown

Sale Price$500,000.00
Commission Rate5.0%
Total Commission$25,000.00
Listing Agent Share$12,500.00
Buyer Agent Share$12,500.00
Seller Net Proceeds$475,000.00

A 1% difference in commission rate on this property equals $5,000.00. Negotiating even a small reduction in rate can result in significant savings.

Use the Real Estate Commission Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

When a home sells, the agent fees usually come out of the seller's proceeds, so it pays to know the number before you list. Enter the sale price and the total commission rate, and the tool breaks the fee into the listing-side and buyer-side shares, then shows what the seller actually walks away with.

The total commission is the sale price multiplied by the agreed rate, which has typically run 5-6% as of 2026. That figure is most often divided evenly between the listing agent and the buyer's agent, and the seller's net proceeds are what remain once the full commission is subtracted from the sale price.

Commission rates are not fixed by law; they are negotiable and shift from one market and agent to the next, a point worth weighing as fee structures continue to evolve. Agent commissions are also only one piece of closing costs. Other closing expenses are separate, and leaving them out of your math can make your projected net proceeds look higher than they really are.

Example: Selling a Home for $500,000

  1. 1 Input the home sale price ($500,000) and the total commission rate (e.g., 5.5%).
  2. 2 The calculator determines total commission: $500,000 * 5.5% = $27,500. This is then split into $13,750 for the listing agent and $13,750 for the buyer agent.
  3. 3 Your estimated seller net proceeds (before other closing costs) would be $500,000 - $27,500 = $472,500.
  4. 4 This example shows how a 5.5% commission impacts your take-home amount. Always confirm specific rates with your real estate agent.

Source: CFPB — Owning a Home · Last updated: April 2026

Frequently Asked Questions

How much is the typical real estate commission in 2026?
Total commission is typically 5-6% of the sale price, split between the listing and buyer agents. After the 2024 NAR settlement, buyer agent commissions are no longer published on the MLS and are negotiated separately.
Who pays the real estate agent commission?
Traditionally, the seller pays both agent commissions from the sale proceeds. Since the 2024 NAR settlement, buyers may need to negotiate and potentially pay their own agent fee, though sellers can still offer buyer agent compensation.
Can I negotiate real estate commission?
Yes, commissions are always negotiable. Some listing agents accept 4-5% total, and discount brokerages charge 1-2% for listing services. In competitive markets, agents may be more willing to negotiate.

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