Raphael Roufail
Sotheby's International Realty
Michigan seller estimate

What will you actually walk away with?

Five questions. Most calculators skip Michigan's transfer tax and the summer and winter tax credit that comes back to you at closing. This one does not.

Step 1 of 5

Your home

Start with what you think it's worth. You can change it later.

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Step 2 of 5

Commission

Split between the listing side and the buyer's agent. All of it is negotiable, and since 2024 the buyer's side is negotiated in the offer rather than set up front.

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Set the buyer's side to zero to see what you net if the buyer pays their own agent.
Step 3 of 5

Title and transfer tax

In Michigan the seller customarily buys the owner's title policy and pays both transfer taxes. These are calculated for you.

Transfer tax is a flat 0.86% of the sale price at every price point. Title insurance is not: it scales down as the price goes up, so a rule of thumb like "1% for title" badly overstates the cost on a higher priced home.
Step 4 of 5

Property taxes

This one works in your favor. Michigan bills taxes in advance, so whatever you have already paid covering days after closing comes back to you.

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Summer and winter bills combined. An estimate is fine.
Step 5 of 5

Mortgage

Leave this at zero if you don't know it or the home is paid off. It does not change your cost of selling, only what lands in your account.

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Your payoff is usually slightly higher than your statement balance
Estimated net to you
$0

Every home is different. Send me the details and I will build you an exact net sheet using your real payoff figure and your title company's rate card.

Request my net sheet

Estimate only, prepared for planning purposes. Loan payoffs must be confirmed in writing by your lender and title charges are set by the closing company. Michigan sellers who sell for less than they paid may qualify for a state transfer tax refund under MCL 207.526(u). Consult your tax professional regarding capital gains.