Massachusetts seller net sheet and closing costs
A Massachusetts seller pays about $35,182 to close on a $620,000 home. That is 5.7% of the price, with a 5% commission. Without the commission, costs are about $4,182, including $2,827 of transfer tax. $620,000 is close to the typical home value in Massachusetts.
See what a Massachusetts seller keeps after commission, loan payoffs, title and transfer taxes. We checked Massachusetts rates and customs on 2026-09-30. The calculator applies them down to the county.
Rates last checked September 2026. Reviewed by Harrison Farrell, founder. How we get these numbers
Free Massachusetts seller net sheet calculator Plans and pricing
Free Massachusetts seller net sheet calculator
Change any number and the local costs update.
| Real estate commission (5%) | −$31,000 |
| First mortgage payoff | −$370,000 |
| Deeds excise tax | −$2,827 |
| Release / satisfaction recording | −$105 |
| Title insurance and settlement | −$1,200 |
| Other closing fees | −$50 |
| Estimated net to seller | $214,818 |
- State transfer tax
- $4.56 per $1,000 ($2.28 per $500)
- Owner's title policy
- Buyer pays
- Seller costs on $620,000
- About $35,182
How much does it cost to sell a house in Massachusetts?
A Massachusetts seller pays about $35,182 to close on a $620,000 sale. That is 5.7% of the price. It counts a 5% commission. The table also takes out a $370,000 mortgage payoff, which leaves about $214,818. The calculator above shows the same sale.
| Line | Seller |
|---|---|
| Sale price | $620,000 |
| First mortgage payoff | −$370,000 |
| Real estate commission (5%) | −$31,000 |
| Deeds excise tax | −$2,827.20 |
| Settlement / closing fee | −$300 |
| Seller's attorney fee | −$900 |
| Release / satisfaction recording | −$105 |
| Wire / courier / payoff processing | −$50 |
| Estimated net before the property tax split | $214,817.80 |
Run it with your own numbers. Pick the county to add local taxes. Enter the closing date to split property taxes.
Does Massachusetts have a transfer tax?
Yes. Massachusetts charges the deeds excise tax. The rate is $4.56 per $1,000 ($2.28 per $500). The seller usually pays it. 3 county or city transfer taxes also apply in parts of the state. The calculator adds them when you pick the county.
| Tax | Level | Rate | Who usually pays |
|---|---|---|---|
| Deeds excise taxApplies: except Barnstable | State | $4.56 per $1,000 ($2.28 per $500) | Seller |
| Deeds excise tax (Barnstable County) | County | $3.24 per $500 ($6.48 per $1,000) | Seller |
| Nantucket Land Bank transfer fee | County | 2% (buyer) | Buyer |
| Martha's Vineyard Land Bank transfer fee | County | 2% (buyer) | Buyer |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $250,000 | $1,140 | $0 | $1,140 |
| $500,000 | $2,280 | $0 | $2,280 |
| $1,000,000 | $4,560 | $0 | $4,560 |
Who pays closing costs in Massachusetts?
In Massachusetts, the seller usually pays the agent commission, their own loan payoff and the deeds excise tax. The buyer usually pays the lender fees, the lender's title policy and the owner's title policy. Each side pays its own settlement or escrow fee.
The buyer usually pays for the owner's title policy in Massachusetts. Buyer pays the owner's policy (optional but customary). In Massachusetts, 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. An attorney usually handles the closing. By custom, an attorney is required.
Attorney closings. Seller pays the deed excise stamps and the 6(d) certificate / smoke-detector certificate.
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 Massachusetts?
Each side pays the taxes for the days it owns the home. Property taxes in Massachusetts are paid in advance. So the buyer usually pays the seller back for days after closing that the seller already paid. The tax year starts in July. Taxes run about 1.1% of the home's value per year. Fiscal year Jul-Jun, quarterly bills due Aug 1, Nov 1, Feb 1 and May 1 for the quarter; seller is credited for a paid quarter after closing and owes an unpaid one through closing.
Sources
Checked 2026-09-30. 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].
Massachusetts net sheet questions
Does Massachusetts have a real estate transfer tax?
Yes. Massachusetts charges the deeds excise tax. The rate is $4.56 per $1,000 ($2.28 per $500). The seller usually pays it. 3 county or city transfer taxes also apply in parts of the state. The calculator adds them when you pick the county.
How much is the transfer tax on a $500,000 home in Massachusetts?
About $2,280, with no county or city chosen. The seller usually pays it. Some counties and cities charge a different or extra rate.
How much are seller closing costs in Massachusetts?
About $35,182 on a $620,000 sale with a 5% commission. That is 5.7% of the price. The commission is $31,000 of it. Without the commission, closing costs are about $4,182. Local taxes and the property tax split change the final number.
Who pays for title insurance in Massachusetts?
The buyer usually pays for the owner's title policy in Massachusetts. Buyer pays the owner's policy (optional but customary). The buyer pays for the lender's policy.
Who handles the closing in Massachusetts?
An attorney usually handles the closing. By custom, an attorney is required.
How are property taxes prorated when you sell a home in Massachusetts?
Each side pays the taxes for the days it owns the home. Property taxes in Massachusetts are paid in advance. So the buyer usually pays the seller back for days after closing that the seller already paid. The tax year starts in July. Taxes run about 1.1% of the home's value per year. Fiscal year Jul-Jun, quarterly bills due Aug 1, Nov 1, Feb 1 and May 1 for the quarter; seller is credited for a paid quarter after closing and owes an unpaid one through closing.
Massachusetts net sheets by county
Each county page shows local taxes and a net sheet at the county's typical price.
Massachusetts net sheets by city
These are the 80 largest of 186 Massachusetts cities with a page. Each county page lists its own cities.
- Boston
- Worcester
- Springfield
- Cambridge
- Lowell
- Brockton
- Lynn
- Quincy
- New Bedford
- Fall River
- Newton
- Lawrence
- Somerville
- Framingham
- Haverhill
- Plymouth
- Malden
- Waltham
- Brookline
- Taunton
- Revere
- Medford
- Weymouth Town
- Peabody
- Chicopee
- Methuen
- Everett
- Barnstable Town
- Attleboro
- Arlington
- Salem
- Leominster
- Woburn
- Beverly
- Pittsfield
- Marlborough
- Billerica
- Fitchburg
- Amherst Town
- Westfield
- Chelsea
- Shrewsbury
- Braintree Town
- Chelmsford
- Holyoke
- Andover
- Natick
- Watertown
- Randolph Town
- Dartmouth
- Lexington
- Franklin Town
- Falmouth
- Dracut
- Needham
- North Andover
- Tewksbury
- Norwood
- North Attleborough Town
- Northampton
- Gloucester
- Wellesley
- Stoughton
- Melrose
- Bridgewater Town
- West Springfield Town
- Agawam Town
- Saugus
- Milton
- Danvers
- Wakefield
- Milford
- Belmont
- Marshfield
- Burlington
- Walpole
- Easton
- Reading
- Dedham
- Yarmouth
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