Free Clayton County, Iowa seller net sheet calculator
Closing costs, transfer taxes and who pays what when selling a home in Clayton County. The calculator applies Iowa and Clayton County rates for you.
- Median home value
- $155,700
- Transfer tax on $155,000
- $247
- Seller costs on $155,000
- About $8,474
- Median property tax bill
- $2,149 a year
- Owner's title policy
- Seller pays
- Population
- 17,069
Clayton County transfer tax
On a $155,000 sale in Clayton County, transfer taxes come to $247: Real estate transfer tax. By custom the seller pays it.
| Tax | Rate | Paid by | On $155,000 |
|---|---|---|---|
| Real estate transfer tax | $1.60 per $1,000 ($0.80 per $500) on the amount over $500 | Seller | $247.20 |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $155,000 local median value | $247.20 | $0 | $247.20 |
| $250,000 | $399.20 | $0 | $399.20 |
| $500,000 | $799.20 | $0 | $799.20 |
| $1,000,000 | $1,599.20 | $0 | $1,599.20 |
Example Clayton County seller net sheet
A $155,000 sale, close to the county's median home value of $155,700, with a 5% commission and a $95,000 mortgage payoff. Seller costs come to about $8,474, or 5.5% of the price.
| Line | Seller |
|---|---|
| Sale price | $155,000 |
| First mortgage payoff | −$95,000 |
| Real estate commission (5%) | −$7,750 |
| Real estate transfer tax | −$247.20 |
| Owner's title insurance policy | −$175 |
| Settlement / closing fee | −$250 |
| Release / satisfaction recording | −$12 |
| Wire / courier / payoff processing | −$40 |
| Estimated net before property tax prorations | $51,525.80 |
Who pays what in Clayton County
In Clayton County, the seller customarily pays the owner's title policy. The settlement fee is customarily split between buyer and seller. Closings are usually handled by a title company or attorney.
Property taxes in Clayton County
The median property tax bill for homeowners in Clayton County is $2,149 a year, about 1.38% of the median home value of $155,700 (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 paid about 18 months in arrears (halves due Sep 30 and Mar 31 of the following fiscal year); seller credits buyer for all unpaid periods through closing.
Rates verified 2026-09-29. Home value and tax bill: Census Bureau American Community Survey, 2019–2023. A net sheet is an estimate; final figures come from the title company.
Clayton County seller questions
How much is the transfer tax in Clayton County, Iowa?
On a $155,000 sale in Clayton County, transfer taxes come to $247: Real estate transfer tax. By custom the seller pays it.
How much are seller closing costs in Clayton County?
On a $155,000 sale, close to the median home value in Clayton County, with a 5% commission, estimated seller costs are about $8,474 (5.5% of the price). Without commission they are about $724. The loan payoff and property tax proration change the final number.
Who pays for title insurance and closing fees in Clayton County?
In Clayton County, the seller customarily pays the owner's title policy. The settlement fee is customarily split between buyer and seller. Closings are usually handled by a title company or attorney.
How much are property taxes in Clayton County?
The median property tax bill for homeowners in Clayton County is $2,149 a year, about 1.38% of the median home value of $155,700 (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 paid about 18 months in arrears (halves due Sep 30 and Mar 31 of the following fiscal year); seller credits buyer for all unpaid periods through closing.
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