San Francisco Seller Closing Cost Calculator

Published on November 25th, 2025

Closing Cost Calculator San Francisco: Seller Averages

This free calculator can help home sellers in San Francisco estimate their closing costs and net proceeds. To get a ballpark idea of the cost of selling a house in the Golden City, enter the information for each of the input fields above. You can see typical or state averages for most San Francisco seller closing costs below.

Home Selling Price: $1,411,840

How does your home compare to the city’s median selling price of $1,411,840? To determine your listing price, you can:

Get a preliminary estimate with HomeLight’s free Home Value Estimator
Request a Comparative Market Analysis (CMA) from a top San Francisco agent
Purchase a pre-listing home appraisal (typically $700-1,000 in San Francisco)
Visit this HomeLight map link to compare recently sold homes in San Francisco

Mortgage Payoff Amount: $445,250

According to Experian, the average homeowner in California has a mortgage balance of $445,250. To find the exact payoff amount for your San Francisco home, check your latest mortgage statement or contact your mortgage provider.

Listing Agent Fee: $35,296-$42,355

A typical listing agent commission in San Francisco is 2.5% to 3% of the home’s selling price. On a $1,411,840 house, your agent’s fee might range from $35,296–$42,355.

Get the Highest Proceeds: HomeLight data shows that the top 5% of agents sell homes faster and for up to 10% more than average agents. Try HomeLight’s free Agent Match platform to consult with the highest-performing agents in your San Francisco market.

Buyer’s Agent Fee: $35,296–$42,355

In the past, most home sellers covered both the listing agent and the buyer’s agent commissions. However, following a landmark court settlement by the National Association of Realtors, buyers are now expected to negotiate compensation directly with their own agents. If you’re offering to pay this fee to attract buyers or help close a deal, on a $1,411,840 median-priced San Francisco home, you can expect to pay $35,296–$42,355.

Detailed Closing Costs: $14,118 to $42,355

Closing costs in San Francisco typically average 1%–3% of the home’s sale price. Whether your property falls in the high or low end of this range depends on its value, condition, the purchase agreement, and what services you end up paying for. On a median-priced home of $1,411,840, you might pay $14,118 to $42,355. Below are some of the typical types of closing costs you can expect in a San Francisco home sale:

Home Preparations: To help make your San Francisco home stand out, you’ll want to invest in curb appeal improvements such as professional cleaning, landscaping, or staging the property.
Renovations/Repairs: Fixing or updating your San Francisco home to meet buyer expectations or inspection requests.
Title Service Fees: Title company work required to verify legal ownership and help manage the transfer of the property. Buyers typically cover this in San Francisco.
Owner’s Title Insurance: A one-time insurance premium paid by the buyer in San Francisco to protect the buyer from title issues or ownership disputes.
Transfer Taxes: San Francisco home sellers pay a state transfer tax rate and have their own progressive transfer tax in addition to the statewide tax.
Recording Fees: This is a relatively small fee you’ll need to pay to the local city or county recording office to officially record the change in property ownership.
Buyer Incentives: With buyers being more hesitant in the current San Francisco market, you may need to offer concessions or credits to sweeten a deal, such as paying the buyer’s agent fees or funding an interest rate buydown.
Other Costs: You’ll likely have some miscellaneous expenses that are not covered in other categories, such as attorney fees and HOA transfers. (An attorney is not required to sell a house in San Francisco.)
Moving Expenses: While paying for movers or a rental truck is not technically a closing cost, you might want to include this expense in your budget, which can range from $883 to $7,000.

The table below breaks down the current San Francisco transfer tax rates, based on the value of your home and the percentage of the property’s home price.

Home Sale Price	Tax Rate (per $500)	Approx. % of Home Price
$100 – $250,000	$2.50	0.50 %
$250,001 – $999,999	$3.40	0.68 %
$1,000,000 – $4,999,999	$3.75	0.75 %
$5,000,000 – $9,999,999	$11.25	2.25 %
$10,000,000 – $24,999,999	$27.50	5.50 %
$25,000,000+	$30.00	6.00 %

Make Buying and Selling Easier: Most San Francisco sellers are also buyers looking to purchase a new home. With HomeLight’s Buy Before You Sell program, you can make a non-contingent offer on your new home and only move once. Watch this short video to learn more.

More Helpful Seller Tools From HomeLight

Here are some additional tools you may find helpful as you plan your San Francisco home sale:

Want to avoid closing costs and sell fast? Get a cash offer today.

With HomeLight’s Simple Sale platform, you can receive a no-obligation, all-cash offer in 24 hours and close in as few as 10 days. Answer a few questions about your San Francisco home to get started. Along with your offer, you’ll also see an estimate of what a top San Francisco agent might be able to get for your home. Get both options with one tool.

As you look ahead to your next home purchase, here are some helpful buyer tools:

At HomeLight, our vision is a world where every real estate transaction is simple, certain, and satisfying. Therefore, we promote strict editorial integrity in each of our posts.