Closing costs & net proceeds in Tennessee.
Enter your home's price and see the agent commission, seller closing costs, transfer tax, and your estimated take-home — every rate drawn from the source cited on this page.
- Median sale price: $413,000
- Typical agent commission: 6.05%
- Seller closing costs: 1%
- Seller transfer tax: none
What will you net?
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Prefilled with the Tennessee median sale price ($413,000). Change it to your home's price.
Every rate, with its source.
Four sourced Tennessee figures drive every estimate on this page; the citation sits right beneath each one.
Reading the Tennessee rate sheet.
The transfer-tax line swings the most from state to state; in Tennessee it's simple, because sellers owe no statewide transfer tax on the sale (TN transfer tax ($0.37/$100) is customarily paid by the buyer, not the seller (HomeLight, Jan 2025)).
Start with the price: the median Tennessee sale ran $413,000 (Redfin state market tracker, May 2026), and the typical listing needed 61 days to go under contract (Redfin state market tracker, May 2026). Call it 9 weeks of mortgage interest, property taxes, insurance, and utilities that keep accruing while the sign sits in the yard — carrying costs no line item on this page captures.
For scale: that $413,000 median lands right near the midpoint of the 50 state medians in the same Redfin tracker ($413,000), and the 61-day pace is slower than the cross-state median of 42 days — worth knowing before you budget for the months between listing and closing. The wait runs on property taxes too: Tennessee's 0.71% average effective rate ranks 36th of 50 — in the lower half of states.
Then come the seller's closing costs: 1%, roughly $4,130 at the median, covering title work, settlement, recording, and prorations (Redfin national est., May 2026 (low end of 1-3% range excl. commission, transfer tax itemized separately)). Tennessee doesn't mandate an attorney at the closing table, so legal fees only land on this line if a seller chooses to hire one.
Commission is the biggest line on the sheet: Tennessee's 6.05% average runs above the 5.68% average across the 50 state figures in the same Clever survey — about $1,528 more on a $413,000 sale than a seller paying the cross-state average rate. Expect about $24,987 of a median sale to go there, typically split between the listing agent and the buyer's agent (Clever, Feb 2026 survey (state avg)).
Sellers ask; the data answers.
Do Tennessee home sellers pay a state transfer tax?
They don't — the seller's side of a Tennessee sale carries no statewide transfer tax (source: TN transfer tax ($0.37/$100) is customarily paid by the buyer, not the seller (HomeLight, Jan 2025)).
What share of the sale price goes to selling costs in Tennessee?
About 7.05% at the median: a $413,000 sale in Tennessee carries roughly $24,987 in agent commission (6.05%) and about $4,130 in seller closing costs (1%), with no seller transfer tax on top, for a combined $29,117 before mortgage payoff, repairs, or concessions. Sources: Clever, Feb 2026 survey (state avg); Redfin national est., May 2026 (low end of 1-3% range excl. commission, transfer tax itemized separately).
What are the net proceeds on a typical Tennessee home sale?
At the $413,000 median (Redfin state market tracker, May 2026), subtracting every sourced selling cost on this page leaves an estimated $383,883 — before the mortgage payoff and any repairs or concessions, which vary house by house. With Tennessee listings taking a median of 61 days to go under contract (Redfin state market tracker, May 2026), each extra week of waiting quietly adds carrying costs on top.
Selling at $413,000: the full ledger.
Here is the whole ledger at the $413,000 median: each row multiplies that price by the cited rate beside it, just as the calculator above does for any number you enter.
| Line | Rate | At the median |
|---|---|---|
| Sale price (median) | — | $413,000 |
| Agent commission | 6.05% | −$24,987 |
| Seller closing costs | 1% | −$4,130 |
| Transfer tax (seller) | None | $0 |
| Total selling costs | ≈7.05% | −$29,117 |
| Estimated net proceeds | $383,883 |
The net figure is pre-payoff: the mortgage balance, repairs, and any buyer concessions vary house by house. Sources: Redfin state market tracker, May 2026; Clever, Feb 2026 survey (state avg); Redfin national est., May 2026 (low end of 1-3% range excl. commission, transfer tax itemized separately); TN transfer tax ($0.37/$100) is customarily paid by the buyer, not the seller (HomeLight, Jan 2025).
What the math doesn't show.
What this page has been adding up is the traditional route in Tennessee: commission, seller closing costs, and transfer tax claim roughly 7.05% of the price ahead of your mortgage payoff. Repairs, concessions, and the wait for a financed buyer to close stack on top. Each figure is an estimate built from the sourced rates; actual costs depend on county, property, agent, and buyer.
The cash-sale alternative flips the trade: an independent cash buyer takes the house as-is, so the commission, repair, and waiting costs largely fall away while the headline price comes down. After subtracting everything above, the gap between the two nets is often smaller than it first looks.
Your cash option: Request offers to sell your Tennessee house as-is for cash: no repairs, no commissions, no fees to you. Comparing is free, and the decision about what happens next stays yours.
See what the Tennessee numbers mean for your house.
Compare the traditional math above with a fast as-is sale — free tools, sourced data, and a timeline you control.
Selling fast in Tennessee →