Free Duluth, Minnesota seller net sheet calculator
Closing costs, transfer taxes and who pays what when selling a home in Duluth, Minnesota (St. Louis County). The calculator applies the local rates for you.
- Median home value
- $225,700
- Transfer tax on $225,000
- $743
- Seller costs on $225,000
- About $13,259
- Median property tax bill
- $2,661 a year
- County
- St. Louis County
- Population
- 87,986
Duluth transfer tax
On a $225,000 sale in Duluth, transfer taxes come to $743: State deed tax. By custom the seller pays it. A buyer who finances 80% of the price also pays $414 in mortgage taxes (Mortgage registry tax).
| Tax | Rate | Paid by | On $225,000 |
|---|---|---|---|
| State deed tax | 0.33% | Seller | $742.50 |
| Mortgage registry tax | 0.23% | Buyer | $414 |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $225,000 local median value | $742.50 | $0 | $742.50 |
| $250,000 | $825 | $0 | $825 |
| $500,000 | $1,650 | $0 | $1,650 |
| $1,000,000 | $3,300 | $0 | $3,300 |
Example Duluth seller net sheet
A $225,000 sale, close to Duluth's median home value of $225,700, with a 5% commission and a $135,000 mortgage payoff. Seller costs come to about $13,259, or 5.9% of the price.
| Line | Seller |
|---|---|
| Sale price | $225,000 |
| First mortgage payoff | −$135,000 |
| Real estate commission (5%) | −$11,250 |
| State deed tax | −$742.50 |
| Owner's title insurance policy | −$775 |
| Settlement / closing fee | −$400 |
| Release / satisfaction recording | −$46 |
| Wire / courier / payoff processing | −$45 |
| Estimated net before property tax prorations | $76,741.50 |
Who pays what in Duluth
Duluth closings follow St. Louis County customs. In St. Louis County, the seller customarily pays the owner's title policy. The settlement fee is paid by each side for its own closing. Closings are usually handled by a title company.
Property taxes in Duluth
The median property tax bill for homeowners in Duluth is $2,661 a year, about 1.18% of the median home value of $225,700 (Census Bureau American Community Survey, 2019-2023). Taxes here are paid in arrears, so at closing the bill is prorated between buyer and seller to the closing date. Calendar year; halves due May 15 and Oct 15; seller pays through closing for any unpaid half.
Rates verified 2026-09-29. Home value and tax bill: Census Bureau American Community Survey, 2019–2023. A net sheet is an estimate; final figures come from the title company.
Duluth seller questions
How much is the transfer tax in Duluth, Minnesota?
On a $225,000 sale in Duluth, transfer taxes come to $743: State deed tax. By custom the seller pays it. A buyer who finances 80% of the price also pays $414 in mortgage taxes (Mortgage registry tax).
How much are seller closing costs in Duluth?
On a $225,000 sale, close to the median home value in Duluth, with a 5% commission, estimated seller costs are about $13,259 (5.9% of the price). Without commission they are about $2,009. The loan payoff and property tax proration change the final number.
What county is Duluth in, and does it matter at closing?
Duluth is in St. Louis County, Minnesota. County and state rules set the transfer taxes and recording fees, and local custom decides who pays for title and closing. In St. Louis County, the seller customarily pays the owner's title policy. The settlement fee is paid by each side for its own closing.
How much are property taxes in Duluth?
The median property tax bill for homeowners in Duluth is $2,661 a year, about 1.18% of the median home value of $225,700 (Census Bureau American Community Survey, 2019-2023). Taxes here are paid in arrears, so at closing the bill is prorated between buyer and seller to the closing date. Calendar year; halves due May 15 and Oct 15; seller pays through closing for any unpaid half.
Other cities in St. Louis County
Cities near Duluth
Build your Duluth net sheet in minutes.
Free to use. No account needed to try it.