Sutter County, California transfer tax, closing costs and net sheet
Selling a $435,000 home in Sutter County (about the median value there)? Expect about $24,448 in seller closing costs with a 5% commission. That is 5.6% of the price. That includes $479 of transfer tax.
See who pays what when you sell a home in Sutter County. California and local rates are applied for you.
Rates last checked October 2026. Reviewed by Harrison Farrell, founder. How we get these numbers
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| Real estate commission (5%) | −$21,750 |
| First mortgage payoff | −$260,000 |
| County documentary transfer tax | −$479 |
| Release / satisfaction recording | −$105 |
| Title insurance and settlement | −$2,039 |
| Other closing fees | −$75 |
| Estimated net to seller | $150,553 |
- Median home value
- $433,500
- Transfer tax on $435,000
- $479
- Seller costs on $435,000
- About $24,448
- Median property tax bill
- $3,268 a year
- Owner's title policy
- Seller pays
- Population
- 98,857
How much are seller closing costs in Sutter County?
About $24,448 on a $435,000 sale, or 5.6% of the price. The 5% agent commission is $21,750 of that. Your share of the transfer tax is $479. Title insurance, the escrow fee, recording and other fees add about $2,219. Your loan payoff also comes out of the sale, but it is not a closing cost.
How much is the transfer tax in Sutter County?
About $479 on a $435,000 sale. It is the county documentary transfer tax. By custom, the seller pays it.
| Tax | Rate | Paid by | On $435,000 |
|---|---|---|---|
| County documentary transfer tax | $1.10 per $1,000 ($0.55 per $500) | Seller | $478.50 |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $250,000 | $275 | $0 | $275 |
| $435,000 local median value | $478.50 | $0 | $478.50 |
| $500,000 | $550 | $0 | $550 |
| $1,000,000 | $1,100 | $0 | $1,100 |
What does a seller net on a typical Sutter County home?
About $150,553, before property tax prorations. That is for a $435,000 sale, close to the county's median home value of $433,500, with a 5% commission and a $260,000 loan payoff.
| Line | Seller |
|---|---|
| Sale price | $435,000 |
| First mortgage payoff | −$260,000 |
| Real estate commission (5%) | −$21,750 |
| County documentary transfer tax | −$478.50 |
| Owner's title insurance policy | −$1,464 |
| Escrow fee | −$575 |
| Release / satisfaction recording | −$105 |
| Wire / courier / payoff processing | −$75 |
| Estimated net before property tax prorations | $150,552.50 |
Who pays closing costs in Sutter County?
Here is who pays what in Sutter County, by custom. The seller pays the agent commission, the owner's title policy and the transfer tax. The buyer pays for the lender's title policy and the fee to record the deed. Buyer and seller split the escrow fee. An escrow company runs the closing.
How are property taxes split when you sell in Sutter County?
At closing, the year's tax bill is split by the day. Taxes here are paid in arrears, after the time they cover, so the seller usually credits the buyer for the days the seller owned the home. Homeowners in the county pay a median property tax bill of $3,268 a year. That is about 0.75% of the median home value of $433,500. Fiscal year Jul-Jun; installments due Nov 1 (Jul-Dec) and Feb 1 (Jan-Jun). Prorated on a 30-day month (California purchase agreement). Seller credits buyer for the unpaid part of the current installment; supplemental taxes are billed to the buyer after closing. Under Prop 13, a California tax bill follows the seller's assessed value, not the sale price. If the seller has owned the home a long time, the real bill is often lower than this estimate. So is the split at closing.
Rates verified 2026-10-10. Home value and tax bill: Census Bureau American Community Survey, 2020–2024. A net sheet is an estimate; final figures come from the escrow company.
Sutter County seller net sheet questions
Who pays the transfer tax in Sutter County, California?
The seller, by custom. On a $435,000 sale the tax is $479. The contract can change who pays.
What are seller closing costs in Sutter County without the commission?
About $2,698 on a $435,000 sale. With a 5% commission, the total is about $24,448, or 5.6% of the price. Your loan payoff and the property tax proration change what you take home.
Who pays for title insurance in Sutter County?
In Sutter County, the seller pays for the owner's title policy by custom. Buyer and seller split the escrow fee.
How much are property taxes in Sutter County?
Homeowners in the county pay a median property tax bill of $3,268 a year. That is about 0.75% of the median home value of $433,500 (Census Bureau American Community Survey, 2020-2024).
Is the Sutter County net sheet calculator free?
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