Free Saratoga, California seller net sheet calculator
Closing costs, transfer taxes and who pays what when selling a home in Saratoga, California (Santa Clara County). The calculator applies the local rates for you.
- Median home value
- more than $2,000,000
- Transfer tax on $2,000,000
- $2,200
- Seller costs on $2,000,000
- About $108,745
- Median property tax bill
- more than $10,000 a year
- County
- Santa Clara County
- Population
- 30,486
Saratoga transfer tax
On a $2,000,000 sale in Saratoga, transfer taxes come to $2,200: County documentary transfer tax. By custom the seller pays it.
| Tax | Rate | Paid by | On $2,000,000 |
|---|---|---|---|
| County documentary transfer tax | $1.10 per $1,000 ($0.55 per $500) | Seller | $2,200 |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $250,000 | $275 | $0 | $275 |
| $500,000 | $550 | $0 | $550 |
| $1,000,000 | $1,100 | $0 | $1,100 |
| $2,000,000 local median value | $2,200 | $0 | $2,200 |
Example Saratoga seller net sheet
A $2,000,000 sale, close to Saratoga's median home value of more than $2,000,000, with a 5% commission and a $1,200,000 mortgage payoff. Seller costs come to about $108,745, or 5.4% of the price.
| Line | Seller |
|---|---|
| Sale price | $2,000,000 |
| First mortgage payoff | −$1,200,000 |
| Real estate commission (5%) | −$100,000 |
| County documentary transfer tax | −$2,200 |
| Owner's title insurance policy | −$4,940 |
| Escrow fee | −$1,500 |
| Release / satisfaction recording | −$30 |
| Wire / courier / payoff processing | −$75 |
| Estimated net before property tax prorations | $691,255 |
Who pays what in Saratoga
Saratoga closings follow Santa Clara County customs. In Santa Clara County, the seller customarily pays the owner's title policy. The escrow fee is customarily paid by the seller. Closings are usually handled by an escrow company.
Property taxes in Saratoga
The median property tax bill for homeowners in Saratoga is more than $10,000 a year (Census Bureau American Community Survey, 2019-2023). Taxes here are paid in arrears, so at closing the bill is prorated between buyer and seller to the closing date. Fiscal year Jul-Jun; installments due Nov 1 (Jul-Dec) and Feb 1 (Jan-Jun). Seller credits buyer for the unpaid part of the current installment; supplemental taxes are billed to the buyer after closing.
Rates verified 2026-09-30. Home value and tax bill: Census Bureau American Community Survey, 2019–2023. A net sheet is an estimate; final figures come from the escrow company.
Saratoga seller questions
How much is the transfer tax in Saratoga, California?
On a $2,000,000 sale in Saratoga, transfer taxes come to $2,200: County documentary transfer tax. By custom the seller pays it.
How much are seller closing costs in Saratoga?
On a $2,000,000 sale, close to the median home value in Saratoga, with a 5% commission, estimated seller costs are about $108,745 (5.4% of the price). Without commission they are about $8,745. The loan payoff and property tax proration change the final number.
What county is Saratoga in, and does it matter at closing?
Saratoga is in Santa Clara County, California. County and state rules set the transfer taxes and recording fees, and local custom decides who pays for title and closing. In Santa Clara County, the seller customarily pays the owner's title policy. The escrow fee is customarily paid by the seller.
How much are property taxes in Saratoga?
The median property tax bill for homeowners in Saratoga is more than $10,000 a year (Census Bureau American Community Survey, 2019-2023). Taxes here are paid in arrears, so at closing the bill is prorated between buyer and seller to the closing date. Fiscal year Jul-Jun; installments due Nov 1 (Jul-Dec) and Feb 1 (Jan-Jun). Seller credits buyer for the unpaid part of the current installment; supplemental taxes are billed to the buyer after closing.
Other cities in Santa Clara County
- San Jose
- Sunnyvale
- Santa Clara
- Mountain View
- Milpitas
- Palo Alto
- Gilroy
- Cupertino
- Morgan Hill
- Campbell
- Los Gatos
- Los Altos
Cities near Saratoga
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