Before you list, know the real number. This calculator factors in commission, NJ Realty Transfer Fee, attorney, mortgage payoff, and closing costs — so you see what you actually walk away with.
This calculator gets you close — but the real number depends on your exact market, timing, and negotiation. I'll run a full seller net sheet for your specific property. Free, no pressure.
Call Jorge: 908-230-7844Home sellers in New Jersey face specific costs that don't exist in other states. Here's what each line item is and what you can control.
Post-2024 NAR settlement, commission is fully negotiated in the listing agreement. In most NJ markets, sellers pay a total commission that covers both listing and buyer agents — typically 4.5-6% combined.
State transfer tax paid at closing. Tiered by sale price. On a $500K home, roughly $4,500. On a $1M home, roughly $10,500. Non-negotiable.
NJ is an attorney state. Your lawyer handles contract review, attorney-review negotiation, title clearance, and closing. Flat fee is typical.
Your loan balance at closing, plus a per-diem interest charge through the closing date. Request a payoff statement from your lender when you go under contract.
You pay NJ property taxes through the closing date. The buyer takes over from closing forward. This shows up as either a debit or credit depending on when your town's tax bills come due.
Typically $500-$1,500 in miscellaneous costs: deed recording, municipal smoke cert, title endorsements, overnight courier fees, etc.
If you're selling and moving out of NJ, the state withholds 2% of the sale price or 10.75% of the estimated gain, whichever is greater, at closing. This is usually refunded on your final NJ tax return. Jorge coordinates this with your attorney and CPA.