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Indiana seller net sheet and closing costs

An Indiana seller pays about $12,511 to close on a $225,000 home. That is 5.6% of the price, with a 5% commission. Without the commission, costs are about $1,261, including $10 of transfer tax. $225,000 is close to the typical home value in Indiana.

See what an Indiana seller keeps after commission, loan payoffs, title and transfer taxes. We checked Indiana rates and customs on 2026-09-29. The calculator applies them down to the county.

Rates last checked September 2026. Reviewed by Harrison Farrell, founder. How we get these numbers

Free Indiana seller net sheet calculator Plans and pricing

Free Indiana seller net sheet calculator

Change any number and the local costs update.

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Real estate commission (5%)−$11,250
First mortgage payoff−$135,000
Sales disclosure form fee−$10
Release / satisfaction recording−$25
Title insurance and settlement−$1,181
Other closing fees−$45
Estimated net to seller$77,489

Set for a July 1 closing. The full calculator adds your own date, credits, a PDF and email. Open the full net sheet
State transfer tax
$20 flat (no transfer tax in Indiana)
Owner's title policy
Seller pays
Seller costs on $225,000
About $12,511

How much does it cost to sell a house in Indiana?

An Indiana seller pays about $12,511 to close on a $225,000 sale. That is 5.6% of the price. It counts a 5% commission. The table also takes out a $135,000 mortgage payoff, which leaves about $77,489. The calculator above shows the same sale.

LineSeller
Sale price$225,000
First mortgage payoff−$135,000
Real estate commission (5%)−$11,250
Sales disclosure form fee−$10
Owner's title insurance policy−$831.25
Settlement / closing fee−$350
Release / satisfaction recording−$25
Wire / courier / payoff processing−$45
Estimated net before the property tax split$77,488.75
 Title and settlement fees are typical estimates, not quotes.

Run it with your own numbers. Pick the county to add local taxes. Enter the closing date to split property taxes.

Does Indiana have a transfer tax?

Yes. Indiana charges the sales disclosure form fee. The rate is $20 flat (no transfer tax in Indiana). Buyer and seller usually split it 50/50.

TaxLevelRateWho usually pays
Sales disclosure form feeIC 6-1.1-5.5-4: $20 per sales disclosure form (not per party); split is custom only. Indiana has no transfer tax.State$20 flat (no transfer tax in Indiana)Split 50/50
 Who pays is local custom. The contract can change it. Rates checked 2026-09-29.
Sale priceSeller paysBuyer paysTotal
$250,000$10$10$20
$500,000$10$10$20
$1,000,000$10$10$20
 No county or city chosen. Split by local custom.

Who pays closing costs in Indiana?

In Indiana, the seller usually pays the agent commission, their own loan payoff, half of the sales disclosure form fee and the owner's title policy. The buyer usually pays the lender fees, the lender's title policy and half of the sales disclosure form fee. Buyer and seller usually split the settlement or escrow fee.

The seller usually pays for the owner's title policy in Indiana. In Indiana, each title insurer files its own rates. So prices differ between title companies. The net sheet uses typical rates. The title company that runs the closing gives the final quote. A title company usually handles the closing.

No transfer tax.

NetSheet.org is not tied to any title company. The net sheet works with any title or escrow company. See how it compares with title company net sheet tools.

How are property taxes split at closing in Indiana?

Each side pays the taxes for the days it owns the home. Property taxes in Indiana are paid in arrears, after the period they cover. So the seller usually credits the buyer for unpaid days up to closing. Taxes run about 0.8% of the home's value per year. Taxes are paid a full year in arrears (May 10 and Nov 10 for the prior year); seller credits buyer for the prior year if unpaid plus Jan 1 through closing.

Checked 2026-09-29. A net sheet is an estimate. It is not a closing statement or tax advice. The title or escrow company gives the final figures. See a rate that looks wrong? Email [email protected].

Indiana net sheet questions

Does Indiana have a real estate transfer tax?

Yes. Indiana charges the sales disclosure form fee. The rate is $20 flat (no transfer tax in Indiana). Buyer and seller usually split it 50/50.

How much is the transfer tax on a $500,000 home in Indiana?

About $20, with no county or city chosen. By custom the seller pays $10 and the buyer pays $10.

How much are seller closing costs in Indiana?

About $12,511 on a $225,000 sale with a 5% commission. That is 5.6% of the price. The commission is $11,250 of it. Without the commission, closing costs are about $1,261. Local taxes and the property tax split change the final number.

Who pays for title insurance in Indiana?

The seller usually pays for the owner's title policy in Indiana. The buyer pays for the lender's policy.

Who handles the closing in Indiana?

A title company usually handles the closing.

How are property taxes prorated when you sell a home in Indiana?

Each side pays the taxes for the days it owns the home. Property taxes in Indiana are paid in arrears, after the period they cover. So the seller usually credits the buyer for unpaid days up to closing. Taxes run about 0.8% of the home's value per year. Taxes are paid a full year in arrears (May 10 and Nov 10 for the prior year); seller credits buyer for the prior year if unpaid plus Jan 1 through closing.

Indiana net sheets by county

Each county page shows local taxes and a net sheet at the county's typical price.

Indiana net sheets by city

These are the 80 largest of 89 Indiana cities with a page. Each county page lists its own cities.

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