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

Selling a house in Texas involves more costs than most people anticipate. Understanding the full picture upfront lets you make smarter decisions on pricing, timing, and negotiation.

The main categories of seller costs

• Agent commissions: Typically 5–6% of the sale price, split between buyer's and listing agents. Commission structures have shifted since 2024 — ask your agent exactly how this is structured in your agreement.
• Title insurance (owner's policy): In Texas, it's customary for the seller to pay the owner's title policy. Cost varies by county and sale price — budget $1,200–$2,500 for most Central Texas sales.
• Property taxes: You'll owe a prorated share of the year's property taxes through your closing date.
• Repair credits or concessions: Common in inspections. Budget 1–2% of sale price if your home has deferred maintenance.
• HOA transfer fees: If applicable — varies by community.
• Mortgage payoff: Your remaining loan balance is paid from proceeds at closing.

A rough estimate for Central Texas

On a $300,000 home, a Texas seller might see $18,000–$24,000 in total costs (commissions + closing costs + minor repairs). Your actual net proceeds depend on your mortgage balance, the final sale price, and what you negotiate in the contract.

What sellers can negotiate

• Commission structure: Not all agents charge the same rate. Understand exactly what you're paying for.
• Buyer concessions: In a strong market, you may give up little or nothing. In a soft market, buyers often ask for closing cost credits.
• Repair requests: Every inspection generates a list. Not every item needs to be fixed. A skilled agent knows how to negotiate selectively.