NJPercent

New Jersey home sale calculator

Your seller closing costs and what you keep, in one place. 2026 State rates.

Buyer's agent pay
%

2% is only an example. It is separate from our fee and your choice. Change it, or enter 0.

What you still owe, if anything.

Adjust the estimates

Estimate. Ask your attorney.

Taxes, water, survey and similar.

Moving out of New Jersey? See if the exit tax applies to you.

Buyer's agent pay is separate and your choice.

In New Jersey commissions are negotiable.

Estimates only. Not tax or legal advice. Transfer fee and mansion tax rates checked November 11, 2026 from the NJ Division of Taxation. The comparison uses 2.61%, the average New Jersey listing-side commission in Clever Real Estate's 2026 survey.

What New Jersey sellers pay at closing

  • Listing fee. 1% with us. The New Jersey average is 2.61%.
  • Buyer's agent pay. Separate, and your choice. Many sellers decide offer by offer.
  • Realty transfer fee. Paid by the seller to the State when the deed is recorded. On $800,000 it is $7,305. How it is figured.
  • Mansion tax. Over $1 million, the seller pays 1% to 3.5% of the full price. Rates.
  • Attorney. New Jersey sellers use an attorney for attorney review and closing.
  • Prorations. Property taxes, water and sewer are split to the closing date.
  • Exit tax. Only for sellers who are not New Jersey residents at closing, and not for a qualifying principal residence. Who pays.

Questions

What closing costs does a New Jersey seller pay?

Usually the listing fee, any buyer's agent pay the seller agrees to, the State realty transfer fee, the mansion tax on sales over $1 million (sellers pay it since July 10, 2025), the seller's attorney, prorated property taxes and utilities, and the mortgage payoff.

How accurate is this calculator?

The transfer fee and mansion tax use the State's published rates and match the State's own worked examples. Attorney fees and other costs are estimates you can change. Your closing attorney prepares the final numbers.

Do I pay the buyer's agent?

Only if you choose to. Buyer's agent pay is negotiated separately and is your choice. The calculator starts at 2% as an example. Change it, or enter 0.

What is the partial exemption?

Sellers who are 62 or older, blind or disabled, and sales of qualifying low and moderate income housing, can pay lower transfer fee rates. Your attorney confirms eligibility.