Pennsylvania seller net sheet and closing costs
A Pennsylvania seller pays about $14,990 to close on a $245,000 home. That is 6.1% of the price, with a 5% commission. Without the commission, costs are about $2,740, including $2,450 of transfer tax. $245,000 is close to the typical home value in Pennsylvania.
See what a Pennsylvania seller keeps after commission, loan payoffs, title and transfer taxes. We checked Pennsylvania rates and customs on 2026-09-30. The calculator applies them down to the county.
Rates last checked September 2026. Reviewed by Harrison Farrell, founder. How we get these numbers
Free Pennsylvania seller net sheet calculator Plans and pricing
Free Pennsylvania seller net sheet calculator
Change any number and the local costs update.
| Real estate commission (5%) | −$12,250 |
| First mortgage payoff | −$145,000 |
| State realty transfer tax | −$1,225 |
| Local realty transfer tax (municipality + school district) | −$1,225 |
| Release / satisfaction recording | −$90 |
| Title insurance and settlement | −$150 |
| Other closing fees | −$50 |
| Estimated net to seller | $85,010 |
- State transfer tax
- 1%
- Owner's title policy
- Buyer pays
- Seller costs on $245,000
- About $14,990
How much does it cost to sell a house in Pennsylvania?
A Pennsylvania seller pays about $14,990 to close on a $245,000 sale. That is 6.1% of the price. It counts a 5% commission. The table also takes out a $145,000 mortgage payoff, which leaves about $85,010. The calculator above shows the same sale.
| Line | Seller |
|---|---|
| Sale price | $245,000 |
| First mortgage payoff | −$145,000 |
| Real estate commission (5%) | −$12,250 |
| State realty transfer tax | −$1,225 |
| Local realty transfer tax (municipality + school district) | −$1,225 |
| Settlement / closing fee | −$150 |
| Release / satisfaction recording | −$90 |
| Wire / courier / payoff processing | −$50 |
| Estimated net before the property tax split | $85,010 |
Run it with your own numbers. Pick the county to add local taxes. Enter the closing date to split property taxes.
Does Pennsylvania have a transfer tax?
Yes. Pennsylvania charges the state realty transfer tax. The rate is 1%. Buyer and seller usually split it 50/50. 46 county or city transfer taxes also apply in parts of the state. The calculator adds them when you pick the county.
| Tax | Level | Rate | Who usually pays |
|---|---|---|---|
| State realty transfer tax | State | 1% | Split 50/50 |
| Local realty transfer tax (municipality + school district) | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Local realty transfer tax (municipality + school district) | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Local realty transfer tax (municipality + school district) | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Local realty transfer tax (municipality + school district) | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Local realty transfer tax (municipality + school district) | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Local realty transfer tax (municipality + school district) | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Local realty transfer tax (municipality + school district) | City | 1% (typical: 0.5% municipality + 0.5% school district) | Split 50/50 |
| Philadelphia realty transfer tax | City | 3.578% (total with state 4.578%) | Split 50/50 |
| Pittsburgh realty transfer tax (city + school district) | City | 4% (total with state 5%) | Split 50/50 |
| Reading realty transfer tax (city + school district) | City | 4% (total with state 5%) | Split 50/50 |
| Scranton realty transfer tax (city + school district) | City | 2.7% (total with state 3.7%) | Split 50/50 |
| Wilkes-Barre realty transfer tax (municipality + school district) | City | 2.5% (total with state 3.5%) | Split 50/50 |
| Pittston realty transfer tax (municipality + school district) | City | 2.25% (total with state 3.25%) | Split 50/50 |
| Coatesville realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| State College realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| McKeesport realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| Penn Hills realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| Mount Oliver realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| Hermitage realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| Sharon realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| Farrell realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| Greenville realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| Upper Providence realty transfer tax (municipality + school district) | City | 2% (total with state 3%) | Split 50/50 |
| Ferguson realty transfer tax (municipality + school district) | City | 1.75% (total with state 2.75%) | Split 50/50 |
| Upper Darby realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Radnor realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Tredyffrin realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Malvern realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Chester realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Mt. Lebanon realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Bethel Park realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Monroeville realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| McCandless realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Hampton realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Pine realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| O'Hara realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Upper St. Clair realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| West Deer realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Green Tree realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Bellevue realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Whitehall realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Peters realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Greensburg realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Murrysville realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Kingston realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Edinboro realty transfer tax (municipality + school district) | City | 1.5% (total with state 2.5%) | Split 50/50 |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $250,000 | $2,500 | $2,500 | $5,000 |
| $500,000 | $5,000 | $5,000 | $10,000 |
| $1,000,000 | $10,000 | $10,000 | $20,000 |
Who pays closing costs in Pennsylvania?
In Pennsylvania, the seller usually pays the agent commission, their own loan payoff and half of the state realty transfer tax. The buyer usually pays the lender fees, the lender's title policy, half of the state realty transfer tax and the owner's title policy. Each side pays its own settlement or escrow fee.
The buyer usually pays for the owner's title policy in Pennsylvania. Buyer pays the owner's policy (TIRBOP promulgated sale rate, search and settlement included). In Pennsylvania, the state sets title insurance rates. So the owner's policy costs the same at every title company. A title company usually handles the closing.
Transfer taxes are split 50/50 by custom. Title premium (TIRBOP rates) includes the search; settlement/notary fees are small.
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 Pennsylvania?
Each side pays the taxes for the days it owns the home. Property taxes in Pennsylvania are paid in advance. So the buyer usually pays the seller back for days after closing that the seller already paid. Taxes run about 1.5% of the home's value per year. County and municipal taxes are billed in Feb-Mar for the calendar year and school taxes in Jul for Jul-Jun; the seller is credited for prepaid periods.
Sources
Checked 2026-09-30. 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].
Pennsylvania net sheet questions
Does Pennsylvania have a real estate transfer tax?
Yes. Pennsylvania charges the state realty transfer tax. The rate is 1%. Buyer and seller usually split it 50/50. 46 county or city transfer taxes also apply in parts of the state. The calculator adds them when you pick the county.
How much is the transfer tax on a $500,000 home in Pennsylvania?
About $10,000, with no county or city chosen. By custom the seller pays $5,000 and the buyer pays $5,000. Some counties and cities charge a different or extra rate.
How much are seller closing costs in Pennsylvania?
About $14,990 on a $245,000 sale with a 5% commission. That is 6.1% of the price. The commission is $12,250 of it. Without the commission, closing costs are about $2,740. Local taxes and the property tax split change the final number.
Who pays for title insurance in Pennsylvania?
The buyer usually pays for the owner's title policy in Pennsylvania. Buyer pays the owner's policy (TIRBOP promulgated sale rate, search and settlement included). The buyer pays for the lender's policy.
Who handles the closing in Pennsylvania?
A title company usually handles the closing.
How are property taxes prorated when you sell a home in Pennsylvania?
Each side pays the taxes for the days it owns the home. Property taxes in Pennsylvania are paid in advance. So the buyer usually pays the seller back for days after closing that the seller already paid. Taxes run about 1.5% of the home's value per year. County and municipal taxes are billed in Feb-Mar for the calendar year and school taxes in Jul for Jul-Jun; the seller is credited for prepaid periods.
Pennsylvania net sheets by county
Each county page shows local taxes and a net sheet at the county's typical price.
- Adams County
- Allegheny County
- Armstrong County
- Beaver County
- Bedford County
- Berks County
- Blair County
- Bradford County
- Bucks County
- Butler County
- Cambria County
- Cameron County
- Carbon County
- Centre County
- Chester County
- Clarion County
- Clearfield County
- Clinton County
- Columbia County
- Crawford County
- Cumberland County
- Dauphin County
- Delaware County
- Elk County
- Erie County
- Fayette County
- Forest County
- Franklin County
- Fulton County
- Greene County
- Huntingdon County
- Indiana County
- Jefferson County
- Juniata County
- Lackawanna County
- Lancaster County
- Lawrence County
- Lebanon County
- Lehigh County
- Luzerne County
- Lycoming County
- McKean County
- Mercer County
- Mifflin County
- Monroe County
- Montgomery County
- Montour County
- Northampton County
- Northumberland County
- Perry County
- Philadelphia County
- Pike County
- Potter County
- Schuylkill County
- Snyder County
- Somerset County
- Sullivan County
- Susquehanna County
- Tioga County
- Union County
- Venango County
- Warren County
- Washington County
- Wayne County
- Westmoreland County
- Wyoming County
- York County
Pennsylvania net sheets by city
These are the 80 largest of 280 Pennsylvania cities with a page. Each county page lists its own cities.
- Philadelphia
- Pittsburgh
- Allentown
- Reading
- Erie
- Upper Darby
- Bethlehem (Northampton County)
- Scranton
- Lower Merion
- Bensalem
- Abington
- Lancaster
- Lower Paxton
- Millcreek
- Haverford
- Levittown
- Harrisburg
- Middletown (Bucks County)
- York
- Wilkes-Barre
- Altoona
- Hempfield
- State College
- Northampton (Bucks County)
- Penn Hills
- Cheltenham
- Upper Merion
- Norristown
- Hampden
- Cranberry
- Falls
- Lower Makefield
- Chester
- Lower Macungie
- Warminster
- Radnor
- Mount Lebanon
- Ross
- Bethel Park
- Tredyffrin
- North Huntingdon
- Ridley
- Drexel Hill
- Easton
- Hazleton
- Upper Macungie
- Whitehall (Lehigh County)
- Spring
- McCandless
- Susquehanna
- Swatara
- Monroeville
- Springettsbury
- Williamsport
- East Hempfield
- Upper Dublin
- Shaler
- Moon
- Lebanon
- Warrington
- Lower Providence
- Plum
- Montgomery
- Exeter
- Upper Moreland
- King of Prussia
- Derry
- Springfield (Delaware County)
- Upper Providence (Montgomery County)
- Upper Allen
- Dover
- Marple
- West Goshen
- Chambersburg
- Pottstown
- Peters
- Palmer
- Carlisle
- Muhlenberg
- Allison Park
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