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Free Kentucky seller net sheet calculator

What a Kentucky seller walks away with after commission, payoffs, title, and transfer taxes. Rates and closing customs below are verified for Kentucky; the calculator applies them for you, down to the county.

Calculate a Kentucky net sheet Plans and pricing

State transfer tax
$0.50 per $500
Owner's title policy
Buyer pays
Seller costs on $400,000
About $20,491

Kentucky transfer tax

Kentucky charges the real estate transfer (deed) tax of $0.50 per $500, customarily paid by the seller.

TaxLevelRateCustomarily paid by
Real estate transfer (deed) taxKRS 142.050(2): $0.50 per $500 or fraction, imposed on the grantor.State$0.50 per $500Seller
 Who pays is local custom and can be changed in the contract. Rates verified 2026-09-29.
Sale priceSeller paysBuyer paysTotal
$250,000$250$0$250
$500,000$500$0$500
$1,000,000$1,000$0$1,000
 With no county or city chosen, split by local custom.

Example Kentucky seller net sheet

A $400,000 sale with a 5% commission and a $250,000 mortgage payoff. Seller closing costs come to about $20,491, or 5.1% of the price.

LineSeller
Sale price$400,000
First mortgage payoff−$250,000
Real estate commission (5%)−$20,000
Real estate transfer (deed) tax−$400
Release / satisfaction recording−$46
Wire / courier / payoff processing−$45
Estimated net before property tax prorations$129,509
 Title and settlement fees are typical estimates, not quotes.

Run it with your own numbers. Choose the county to add local taxes, and enter the closing date to prorate property taxes.

Who pays what in Kentucky

Buyer customarily pays the owner's policy. Closings are usually handled by a title company or attorney. The settlement or escrow fee is customarily paid by the buyer.

Seller pays deed tax and deed preparation.

Property tax prorations

Property taxes are paid in arrears. The typical effective rate is about 0.85% of value per year. Calendar year, billed Oct-Nov (2% discount in November); seller credits buyer for Jan 1 through closing when unpaid.

Sources

Verified 2026-09-29. A net sheet is an estimate, not a closing statement or tax advice. Final figures come from the title or escrow company. See a rate that looks wrong? Email support@netsheet.org.

Kentucky net sheet questions

Does Kentucky have a real estate transfer tax?

Kentucky charges the real estate transfer (deed) tax of $0.50 per $500, customarily paid by the seller.

How much is the transfer tax on a $500,000 home in Kentucky?

With no county or city chosen, the transfer tax on a $500,000 sale is about $500, customarily paid by the seller.

How much are seller closing costs in Kentucky?

On a $400,000 sale with a 5% commission, estimated seller costs in Kentucky come to about $20,491 (5.1% of the price), including $20,000 of commission. Without commission, closing costs are about $491. Local taxes, the payoff, and property tax prorations change the final number.

Who pays for title insurance in Kentucky?

Buyer customarily pays the owner's policy.

Who handles the closing in Kentucky?

Closings are usually handled by a title company or attorney.

How are property taxes prorated when selling a home in Kentucky?

Property taxes are paid in arrears. The typical effective rate is about 0.85% of value per year. Calendar year, billed Oct-Nov (2% discount in November); seller credits buyer for Jan 1 through closing when unpaid.

Kentucky net sheets by county

Kentucky net sheets by city

The 45 largest of 45 Kentucky cities with a page. Each county page lists its own cities.

Guides

Net sheets in other states

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