Free Cambridge, Maryland seller net sheet calculator
Closing costs, transfer taxes and who pays what when selling a home in Cambridge, Maryland (Dorchester County). The calculator applies the local rates for you.
- Median home value
- $254,400
- Transfer tax on $255,000
- $5,513
- Seller costs on $255,000
- About $15,966
- Median property tax bill
- $2,521 a year
- County
- Dorchester County
- Population
- 13,262
Cambridge transfer tax
On a $255,000 sale in Cambridge, transfer taxes come to $5,513: State transfer tax, Recordation tax (Dorchester County) and County transfer tax (Dorchester County, owner-occupied). By custom the seller pays $2,756 of that and the buyer $2,756.
| Tax | Rate | Paid by | On $255,000 |
|---|---|---|---|
| State transfer tax | 0.5% | Split 50/50 | $1,275 |
| Recordation tax (Dorchester County) | $5.00 per $500 | Split 50/50 | $2,550 |
| County transfer tax (Dorchester County, owner-occupied) | 0.75% above $30,000 | Split 50/50 | $1,687.50 |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $250,000 | $2,700 | $2,700 | $5,400 |
| $255,000 local median value | $2,756.25 | $2,756.25 | $5,512.50 |
| $500,000 | $5,512.50 | $5,512.50 | $11,025 |
| $1,000,000 | $11,137.50 | $11,137.50 | $22,275 |
Example Cambridge seller net sheet
A $255,000 sale, close to Cambridge's median home value of $254,400, with a 5% commission and a $155,000 mortgage payoff. Seller costs come to about $15,966, or 6.3% of the price.
| Line | Seller |
|---|---|
| Sale price | $255,000 |
| First mortgage payoff | −$155,000 |
| Real estate commission (5%) | −$12,750 |
| State transfer tax | −$637.50 |
| Recordation tax (Dorchester County) | −$1,275 |
| County transfer tax (Dorchester County, owner-occupied) | −$843.75 |
| Settlement / closing fee | −$350 |
| Release / satisfaction recording | −$60 |
| Wire / courier / payoff processing | −$50 |
| Estimated net before property tax prorations | $84,033.75 |
Who pays what in Cambridge
Cambridge closings follow Dorchester County customs. In Dorchester County, the buyer customarily pays the owner's title policy. The settlement fee is paid by each side for its own closing. Closings are usually handled by a title company or attorney.
Property taxes in Cambridge
The median property tax bill for homeowners in Cambridge is $2,521 a year, about 0.99% of the median home value of $254,400 (Census Bureau American Community Survey, 2019-2023). Taxes here are paid in advance, so at closing the bill is prorated between buyer and seller to the closing date. Fiscal year Jul-Jun, billed Jul 1 and paid in advance (semiannual option for owner-occupants); seller is credited for prepaid months.
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 title company.
Cambridge seller questions
How much is the transfer tax in Cambridge, Maryland?
On a $255,000 sale in Cambridge, transfer taxes come to $5,513: State transfer tax, Recordation tax (Dorchester County) and County transfer tax (Dorchester County, owner-occupied). By custom the seller pays $2,756 of that and the buyer $2,756.
How much are seller closing costs in Cambridge?
On a $255,000 sale, close to the median home value in Cambridge, with a 5% commission, estimated seller costs are about $15,966 (6.3% of the price). Without commission they are about $3,216. The loan payoff and property tax proration change the final number.
What county is Cambridge in, and does it matter at closing?
Cambridge is in Dorchester County, Maryland. County and state rules set the transfer taxes and recording fees, and local custom decides who pays for title and closing. In Dorchester County, the buyer customarily pays the owner's title policy. The settlement fee is paid by each side for its own closing.
How much are property taxes in Cambridge?
The median property tax bill for homeowners in Cambridge is $2,521 a year, about 0.99% of the median home value of $254,400 (Census Bureau American Community Survey, 2019-2023). Taxes here are paid in advance, so at closing the bill is prorated between buyer and seller to the closing date. Fiscal year Jul-Jun, billed Jul 1 and paid in advance (semiannual option for owner-occupants); seller is credited for prepaid months.
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