Free Neptune, New Jersey seller net sheet calculator
Closing costs, transfer taxes and who pays what when selling a home in Neptune, New Jersey (Monmouth County). The calculator applies the local rates for you.
- Median home value
- $424,400
- Transfer tax on $425,000
- $3,455
- Seller costs on $425,000
- About $24,815
- Median property tax bill
- $8,025 a year
- County
- Monmouth County
- Population
- 28,210
Neptune transfer tax
On a $425,000 sale in Neptune, transfer taxes come to $3,455: Realty transfer fee (consideration over $350,000). By custom the seller pays it.
| Tax | Rate | Paid by | On $425,000 |
|---|---|---|---|
| Realty transfer fee (consideration over $350,000) | $2.90 to $6.05 per $500 by bracket | Seller | $3,455 |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $250,000 | $1,325 | $0 | $1,325 |
| $425,000 local median value | $3,455 | $0 | $3,455 |
| $500,000 | $4,175 | $0 | $4,175 |
| $1,000,000 | $9,575 | $0 | $9,575 |
Example Neptune seller net sheet
A $425,000 sale, close to Neptune's median home value of $424,400, with a 5% commission and a $255,000 mortgage payoff. Seller costs come to about $24,815, or 5.8% of the price.
| Line | Seller |
|---|---|
| Sale price | $425,000 |
| First mortgage payoff | −$255,000 |
| Real estate commission (5%) | −$21,250 |
| Realty transfer fee (consideration over $350,000) | −$3,455 |
| Release / satisfaction recording | −$60 |
| Wire / courier / payoff processing | −$50 |
| Estimated net before property tax prorations | $145,185 |
Who pays what in Neptune
Neptune closings follow Monmouth County customs. In Monmouth County, the buyer customarily pays the owner's title policy. The settlement fee is customarily paid by the buyer. Closings are usually handled by a title company or attorney.
Property taxes in Neptune
The median property tax bill for homeowners in Neptune is $8,025 a year, about 1.89% of the median home value of $424,400 (Census Bureau American Community Survey, 2019-2023). Taxes here are paid in advance, so at closing the bill is prorated between buyer and seller to the closing date. Quarterly bills due Feb 1, May 1, Aug 1 and Nov 1 for the quarter; seller is credited for any prepaid quarter.
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.
Neptune seller questions
How much is the transfer tax in Neptune, New Jersey?
On a $425,000 sale in Neptune, transfer taxes come to $3,455: Realty transfer fee (consideration over $350,000). By custom the seller pays it.
How much are seller closing costs in Neptune?
On a $425,000 sale, close to the median home value in Neptune, with a 5% commission, estimated seller costs are about $24,815 (5.8% of the price). Without commission they are about $3,565. The loan payoff and property tax proration change the final number.
What county is Neptune in, and does it matter at closing?
Neptune is in Monmouth County, New Jersey. County and state rules set the transfer taxes and recording fees, and local custom decides who pays for title and closing. In Monmouth County, the buyer customarily pays the owner's title policy. The settlement fee is customarily paid by the buyer.
How much are property taxes in Neptune?
The median property tax bill for homeowners in Neptune is $8,025 a year, about 1.89% of the median home value of $424,400 (Census Bureau American Community Survey, 2019-2023). Taxes here are paid in advance, so at closing the bill is prorated between buyer and seller to the closing date. Quarterly bills due Feb 1, May 1, Aug 1 and Nov 1 for the quarter; seller is credited for any prepaid quarter.
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