Ohio seller net sheet calculator
What a Ohio seller walks away with after commission, payoffs, title, and transfer taxes. Rates and closing customs below are verified for Ohio; the calculator applies them for you, down to the county.
- State transfer tax
- None
- Owner's title policy
- Seller pays
- Seller costs on $400,000
- About $24,094
Ohio transfer tax
Ohio has no statewide transfer tax on an ordinary sale, but 4 rules apply in some places or cases. On top of that, 4 county or city transfer taxes apply in parts of the state; the calculator adds them when you choose the county.
| Tax | Level | Rate | Customarily paid by |
|---|---|---|---|
| Real property conveyance fee (state $1 + county permissive $3 per $1,000) | County | $4.00 per $1,000 (most counties) | Seller |
| Real property conveyance fee (state $1 + county permissive $2 per $1,000) | County | $3.00 per $1,000 | Seller |
| Real property conveyance fee (state $1 + county permissive $3 per $1,000) | County | $3.50 per $1,000 | Seller |
| Real property conveyance fee (state $1 + county permissive $3 per $1,000) | County | $2 per $1,000 | Seller |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $250,000 | $1,000 | $0 | $1,000 |
| $500,000 | $2,000 | $0 | $2,000 |
| $1,000,000 | $4,000 | $0 | $4,000 |
Example Ohio seller net sheet
A $400,000 sale with a 5% commission and a $250,000 mortgage payoff. Seller closing costs come to about $24,094, or 6% of the price.
| Line | Seller |
|---|---|
| Sale price | $400,000 |
| First mortgage payoff | −$250,000 |
| Real estate commission (5%) | −$20,000 |
| Real property conveyance fee (state $1 + county permissive $3 per $1,000) | −$1,600 |
| Owner's title insurance policy | −$2,065 |
| Settlement / closing fee | −$350 |
| Release / satisfaction recording | −$34 |
| Wire / courier / payoff processing | −$45 |
| Estimated net before property tax prorations | $125,906 |
Run it with your own numbers. Choose the county to add local taxes, and enter the closing date to prorate property taxes.
Who pays what in Ohio
Seller pays the owner's policy in central and southwest Ohio; split 50/50 by custom in northeast Ohio (Cuyahoga area). Closings are usually handled by a title company. The settlement or escrow fee is customarily split between buyer and seller.
Seller pays the conveyance fee. Proration customs differ by county (long vs. short).
Property tax prorations
Property taxes are paid in arrears. The typical effective rate is about 1.5% of value per year. Taxes are paid six to twelve months in arrears (halves in Jan/Feb and Jun/Jul for the prior year). Franklin County uses 'long' proration (credit for the prior year plus the current year through closing); Hamilton County uses 'short' proration (current year only). This estimate covers the current year only.
Sources
Verified 2026-09-29. A net sheet is an estimate, not a closing statement or tax advice. Final figures come from the title or escrow company. See a rate that looks wrong? Email [email protected].
Ohio net sheet questions
Does Ohio have a real estate transfer tax?
Ohio has no statewide transfer tax on an ordinary sale, but 4 rules apply in some places or cases. On top of that, 4 county or city transfer taxes apply in parts of the state; the calculator adds them when you choose the county.
How much is the transfer tax on a $500,000 home in Ohio?
With no county or city chosen, the transfer tax on a $500,000 sale is about $2,000, customarily paid by the seller. Some counties and cities charge a different or additional rate.
How much are seller closing costs in Ohio?
On a $400,000 sale with a 5% commission, estimated seller costs in Ohio come to about $24,094 (6% of the price), including $20,000 of commission. Without commission, closing costs are about $4,094. Local taxes, the payoff, and property tax prorations change the final number.
Who pays for title insurance in Ohio?
Seller pays the owner's policy in central and southwest Ohio; split 50/50 by custom in northeast Ohio (Cuyahoga area).
Who handles the closing in Ohio?
Closings are usually handled by a title company.
How are property taxes prorated when selling a home in Ohio?
Property taxes are paid in arrears. The typical effective rate is about 1.5% of value per year. Taxes are paid six to twelve months in arrears (halves in Jan/Feb and Jun/Jul for the prior year). Franklin County uses 'long' proration (credit for the prior year plus the current year through closing); Hamilton County uses 'short' proration (current year only). This estimate covers the current year only.
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