St. Cloud, Minnesota seller net sheet calculator
Closing costs, transfer taxes and who pays what when selling a home in St. Cloud, Minnesota (Stearns County). The calculator applies the local rates for you.
- Median home value
- $212,800
- Transfer tax on $215,000
- $710
- Seller costs on $215,000
- About $12,696
- Median property tax bill
- $2,199 a year
- County
- Stearns County
- Population
- 72,145
St. Cloud transfer tax
On a $215,000 sale in St. Cloud, transfer taxes come to $710: State deed tax. By custom the seller pays it. A buyer who finances 80% of the price also pays $396 in mortgage taxes (Mortgage registry tax).
| Tax | Rate | Paid by | On $215,000 |
|---|---|---|---|
| State deed tax | 0.33% | Seller | $709.50 |
| Mortgage registry tax | 0.23% | Buyer | $395.60 |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $215,000 local median value | $709.50 | $0 | $709.50 |
| $250,000 | $825 | $0 | $825 |
| $500,000 | $1,650 | $0 | $1,650 |
| $1,000,000 | $3,300 | $0 | $3,300 |
Example St. Cloud seller net sheet
A $215,000 sale, close to St. Cloud's median home value of $212,800, with a 5% commission and a $130,000 mortgage payoff. Seller costs come to about $12,696, or 5.9% of the price.
| Line | Seller |
|---|---|
| Sale price | $215,000 |
| First mortgage payoff | −$130,000 |
| Real estate commission (5%) | −$10,750 |
| State deed tax | −$709.50 |
| Owner's title insurance policy | −$745 |
| Settlement / closing fee | −$400 |
| Release / satisfaction recording | −$46 |
| Wire / courier / payoff processing | −$45 |
| Estimated net before property tax prorations | $72,304.50 |
Who pays what in St. Cloud
St. Cloud closings follow Stearns County customs. In Stearns 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 St. Cloud
The median property tax bill for homeowners in St. Cloud is $2,199 a year, about 1.03% of the median home value of $212,800 (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.
St. Cloud seller questions
How much is the transfer tax in St. Cloud, Minnesota?
On a $215,000 sale in St. Cloud, transfer taxes come to $710: State deed tax. By custom the seller pays it. A buyer who finances 80% of the price also pays $396 in mortgage taxes (Mortgage registry tax).
How much are seller closing costs in St. Cloud?
On a $215,000 sale, close to the median home value in St. Cloud, with a 5% commission, estimated seller costs are about $12,696 (5.9% of the price). Without commission they are about $1,946. The loan payoff and property tax proration change the final number.
What county is St. Cloud in, and does it matter at closing?
St. Cloud is in Stearns County, Minnesota. County and state rules set the transfer taxes and recording fees, and local custom decides who pays for title and closing. In Stearns 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 St. Cloud?
The median property tax bill for homeowners in St. Cloud is $2,199 a year, about 1.03% of the median home value of $212,800 (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.
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