ClearGlass

Pennsylvania Home Seller Net Proceeds Calculator

Get an instant estimate — no login or sign-up required.

Picking a city applies the correct local transfer tax automatically.

$
$
$

Brokerage Commissions

%
%
Total Commissions$0.00

Estimated Net Proceeds

-$750.00

Sale Price$0.00
Commissions- $0.00
Mortgage Payoff- $0.00
Total Transfer Tax (effective 0.00%)- $0.00
Owner's Title Insurance- $0.00
Escrow / Closing Fee- $0.00
Attorney Fee- $750.00
Recording Fee- $0.00

Pennsylvania transfer taxes are state-, county-, and municipality-specific. Title insurance, escrow, attorney, and recording fees vary by provider. Consult your closing attorney or title company for exact figures.

Find a Top Agent

Connect with a top-rated real estate agent in your area.

Request a Cash Offer

See what your home could sell for in cash, fast.

Selling a Home in Pennsylvania

Pennsylvania charges a Realty Transfer Tax of 1.0% at the state level, with most local jurisdictions adding another 1.0% (county + municipal + school district) for a combined 2.0% on the sale price. The tax is customarily split evenly between buyer and seller, so the seller's typical share is around 1.0% of the sale price. Philadelphia (4.278% combined) and Pittsburgh (5.0% combined) are dramatically higher — seller share roughly 2.14% and 2.50% respectively. On top of transfer tax, sellers pay agent commissions, the owner's title insurance policy, and closing fees.

Pennsylvania Transfer Tax & Closing Costs

Pennsylvania closings are handled by title companies or attorneys. The seller customarily pays half of the combined state-and-local realty transfer tax, the owner's title insurance policy, and a share of closing fees. Title insurance rates are state-promulgated.

How to Estimate Your Pennsylvania Net Proceeds

  1. Sale Price: Start with the agreed-upon contract price.
  2. Mortgage Payoff: Subtract your remaining loan balance and accrued interest through closing.
  3. Transfer Taxes: Apply the state, county, and any municipal transfer tax owed by the seller.
  4. Closing Costs: Deduct commissions, owner's title insurance, attorney/escrow, and recording fees.

Pennsylvania Net Proceeds = Sale Price − Mortgage Payoff − Commissions − Transfer Taxes − Closing Costs

Key Factors to Consider

  • PA Realty Transfer Tax (Split with Buyer): 1.0% state + ~1.0% local = 2.0% combined in most jurisdictions, customarily split 50/50 between buyer and seller. Seller's typical share ≈ 1.0% of sale price.
  • Philadelphia & Pittsburgh Exceptions: Philadelphia charges a 3.278% city transfer tax on top of the 1.0% state, totaling 4.278% (seller share ~2.14%). Pittsburgh charges 4.0% city + 1.0% state = 5.0% combined (seller share ~2.50%). These are among the highest in the country.
  • Title Insurance: Pennsylvania title insurance premiums are state-promulgated and identical across underwriters. The seller customarily pays the owner's policy.
  • No Mortgage Recording Tax: Pennsylvania does not impose a separate mortgage recording or intangibles tax — the realty transfer tax is the primary closing tax.
  • Recording Fees: County recording fees are a small fixed cost at closing.

Why use this tool?

Most national net-sheet calculators ignore Pennsylvania's layered transfer tax structure — state, county, and municipal — and silently understate closing costs by thousands of dollars. This calculator applies the correct rates for the city you select so the bottom line reflects what you'll actually walk away with.

Need more accuracy?

This tool provides general estimates only. Confirm exact figures with your closing attorney or title company, and consult a qualified tax professional regarding state and federal capital gains or other obligations specific to your sale.

Pennsylvania Seller FAQ