NetSheet.org

Montana seller net sheet and closing costs

A Montana seller pays about $21,595 to close on a $395,000 home. That is 5.5% of the price, with a 5% commission. Without the commission, costs are about $1,845. $395,000 is close to the typical home value in Montana.

See what a Montana seller keeps after commission, loan payoffs, title and closing fees. We checked Montana 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 Montana seller net sheet calculator Plans and pricing

Free Montana seller net sheet calculator

Change any number and the local costs update.

$
%
$
$
Real estate commission (5%)−$19,750
First mortgage payoff−$235,000
Release / satisfaction recording−$16
Title insurance and settlement−$1,784
Other closing fees−$45
Estimated net to seller$138,405

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
None
Owner's title policy
Seller pays
Seller costs on $395,000
About $21,595

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

A Montana seller pays about $21,595 to close on a $395,000 sale. That is 5.5% of the price. It counts a 5% commission. The table also takes out a $235,000 mortgage payoff, which leaves about $138,405. The calculator above shows the same sale.

LineSeller
Sale price$395,000
First mortgage payoff−$235,000
Real estate commission (5%)−$19,750
Owner's title insurance policy−$1,433.75
Settlement / closing fee−$350
Release / satisfaction recording−$16
Wire / courier / payoff processing−$45
Estimated net before the property tax split$138,405.25
 Title and settlement fees are typical estimates, not quotes.

Run it with your own numbers. Pick the county for its own customs. Enter the closing date to split property taxes.

Does Montana have a transfer tax?

No. Montana has no transfer tax on home sales. So a Montana seller net sheet has no transfer tax line.

Who pays closing costs in Montana?

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

The seller usually pays for the owner's title policy in Montana. In Montana, 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 Montana?

Each side pays the taxes for the days it owns the home. Property taxes in Montana 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 0.75% of the home's value per year. Calendar year; halves due Nov 30 and May 31 (in arrears); seller credits buyer for unpaid days.

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].

Montana net sheet questions

Does Montana have a real estate transfer tax?

No. Montana has no transfer tax on home sales. So a Montana seller net sheet has no transfer tax line.

How much are seller closing costs in Montana?

About $21,595 on a $395,000 sale with a 5% commission. That is 5.5% of the price. The commission is $19,750 of it. Without the commission, closing costs are about $1,845. Local taxes and the property tax split change the final number.

Who pays for title insurance in Montana?

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

Who handles the closing in Montana?

A title company usually handles the closing.

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

Each side pays the taxes for the days it owns the home. Property taxes in Montana 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 0.75% of the home's value per year. Calendar year; halves due Nov 30 and May 31 (in arrears); seller credits buyer for unpaid days.

Montana net sheets by county

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

Montana net sheets by city

Here are all 8 Montana cities with a page. Each county page lists its own cities.

Guides

Net sheets in other states

Build a Montana net sheet in minutes.

Free to use. No account needed to try it.

Open the calculator Create a free account