Vermont seller net sheet and closing costs
A Vermont seller pays about $16,275 to close on a $305,000 home. That is 5.3% of the price, with a 5% commission. Without the commission, costs are about $1,025. $305,000 is close to the typical home value in Vermont.
See what a Vermont seller keeps after commission, loan payoffs, title and transfer taxes. We checked Vermont 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 Vermont seller net sheet calculator
Change any number and the local costs update.
| Real estate commission (5%) | −$15,250 |
| First mortgage payoff | −$185,000 |
| Release / satisfaction recording | −$30 |
| Title insurance and settlement | −$950 |
| Other closing fees | −$45 |
| Estimated net to seller | $103,725 |
- State transfer tax
- 0.5% on the first $200,000; 1.25% above + 0.22% above $200,000
- Owner's title policy
- Buyer pays
- Seller costs on $305,000
- About $16,275
How much does it cost to sell a house in Vermont?
A Vermont seller pays about $16,275 to close on a $305,000 sale. That is 5.3% of the price. It counts a 5% commission. The table also takes out a $185,000 mortgage payoff, which leaves about $103,725. The calculator above shows the same sale.
| Line | Seller |
|---|---|
| Sale price | $305,000 |
| First mortgage payoff | −$185,000 |
| Real estate commission (5%) | −$15,250 |
| Settlement / closing fee | −$250 |
| Seller's attorney fee | −$700 |
| Release / satisfaction recording | −$30 |
| Wire / courier / payoff processing | −$45 |
| Estimated net before the property tax split | $103,725 |
Run it with your own numbers. Pick the county to add local taxes. Enter the closing date to split property taxes.
Does Vermont have a transfer tax?
Yes. Vermont charges 2 state transfer taxes. The property transfer tax (principal residence) is 0.5% on the first $200,000; 1.25% above. The buyer usually pays it. The clean water surcharge (principal residence) is 0.22% above $200,000. The buyer usually pays it. Other state rates apply in some cases: Property transfer tax (non-principal residence); Property transfer tax (commercial / land); Clean water surcharge; Clean water surcharge (commercial / land).
| Tax | Level | Rate | Who usually pays |
|---|---|---|---|
| Property transfer tax (principal residence)Applies: single family, condo, townhome, multi family, coop; primary residenceAct 181 (2024) raised the reduced-rate band from $100,000 to $200,000 for principal residences. | State | 0.5% on the first $200,000; 1.25% above | Buyer |
| Clean water surcharge (principal residence)Applies: single family, condo, townhome, multi family, coop; primary residenceFirst $250,000 exempt with VHFA/USDA/VHCB financing (not applied). | State | 0.22% above $200,000 | Buyer |
| Property transfer tax (non-principal residence)Applies: single family, condo, townhome, multi family, coop; secondary, investment residence32 V.S.A. 9602: 3.4% for residential property not used as principal residence and not subject to a landlord certificate; long-term rentals with a landlord certificate pay 1.25% (not applied automatically). | State | 3.4% | Buyer |
| Property transfer tax (commercial / land)Applies: commercial, land | State | 1.25% | Buyer |
| Clean water surchargeApplies: secondary, investment residence | State | 0.22% | Buyer |
| Clean water surcharge (commercial / land)Applies: commercial, land; primary residence | State | 0.22% | Buyer |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $250,000 | $0 | $1,735 | $1,735 |
| $500,000 | $0 | $5,410 | $5,410 |
| $1,000,000 | $0 | $12,760 | $12,760 |
Who pays closing costs in Vermont?
In Vermont, the seller usually pays the agent commission and their own loan payoff. The buyer usually pays the lender fees, the lender's title policy, the property transfer tax (principal residence), the clean water surcharge (principal residence) 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 Vermont. In Vermont, 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. An attorney usually handles the closing. By custom, an attorney is required.
Attorney closings. Buyer pays the property transfer tax; seller pays the land gains / withholding items where applicable.
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 Vermont?
Each side pays the taxes for the days it owns the home. Property taxes in Vermont are paid in advance. So the buyer usually pays the seller back for days after closing that the seller already paid. The tax year starts in July. Taxes run about 1.75% of the home's value per year. Fiscal year Jul-Jun; bills issued in late summer with installments through the year.
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].
Vermont net sheet questions
Does Vermont have a real estate transfer tax?
Yes. Vermont charges 2 state transfer taxes. The property transfer tax (principal residence) is 0.5% on the first $200,000; 1.25% above. The buyer usually pays it. The clean water surcharge (principal residence) is 0.22% above $200,000. The buyer usually pays it. Other state rates apply in some cases: Property transfer tax (non-principal residence); Property transfer tax (commercial / land); Clean water surcharge; Clean water surcharge (commercial / land).
How much is the transfer tax on a $500,000 home in Vermont?
About $5,410, with no county or city chosen. The buyer usually pays it.
How much are seller closing costs in Vermont?
About $16,275 on a $305,000 sale with a 5% commission. That is 5.3% of the price. The commission is $15,250 of it. Without the commission, closing costs are about $1,025. Local taxes and the property tax split change the final number.
Who pays for title insurance in Vermont?
The buyer usually pays for the owner's title policy in Vermont. The buyer pays for the lender's policy.
Who handles the closing in Vermont?
An attorney usually handles the closing. By custom, an attorney is required.
How are property taxes prorated when you sell a home in Vermont?
Each side pays the taxes for the days it owns the home. Property taxes in Vermont are paid in advance. So the buyer usually pays the seller back for days after closing that the seller already paid. The tax year starts in July. Taxes run about 1.75% of the home's value per year. Fiscal year Jul-Jun; bills issued in late summer with installments through the year.
Vermont net sheets by county
Each county page shows local taxes and a net sheet at the county's typical price.
Vermont net sheets by city
Here are all 11 Vermont cities with a page. Each county page lists its own cities.
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