Free Havre de Grace, Maryland seller net sheet calculator
Closing costs, transfer taxes and who pays what when selling a home in Havre de Grace, Maryland (Harford County). The calculator applies the local rates for you.
- Median home value
- $348,800
- Transfer tax on $350,000
- $7,260
- Seller costs on $350,000
- About $21,590
- Median property tax bill
- $3,843 a year
- County
- Harford County
- Population
- 15,222
Havre de Grace transfer tax
On a $350,000 sale in Havre de Grace, transfer taxes come to $7,260: State transfer tax, Recordation tax (Harford County) and County transfer tax (Harford County, principal residence). By custom the seller pays $3,630 of that and the buyer $3,630.
| Tax | Rate | Paid by | On $350,000 |
|---|---|---|---|
| State transfer tax | 0.5% | Split 50/50 | $1,750 |
| Recordation tax (Harford County) | $3.30 per $500 | Split 50/50 | $2,310 |
| County transfer tax (Harford County, principal residence) | 1% above $30,000 | Split 50/50 | $3,200 |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $250,000 | $2,550 | $2,550 | $5,100 |
| $350,000 local median value | $3,630 | $3,630 | $7,260 |
| $500,000 | $5,250 | $5,250 | $10,500 |
| $1,000,000 | $10,650 | $10,650 | $21,300 |
Example Havre de Grace seller net sheet
A $350,000 sale, close to Havre de Grace's median home value of $348,800, with a 5% commission and a $210,000 mortgage payoff. Seller costs come to about $21,590, or 6.2% of the price.
| Line | Seller |
|---|---|
| Sale price | $350,000 |
| First mortgage payoff | −$210,000 |
| Real estate commission (5%) | −$17,500 |
| State transfer tax | −$875 |
| Recordation tax (Harford County) | −$1,155 |
| County transfer tax (Harford County, principal residence) | −$1,600 |
| Settlement / closing fee | −$350 |
| Release / satisfaction recording | −$60 |
| Wire / courier / payoff processing | −$50 |
| Estimated net before property tax prorations | $118,410 |
Who pays what in Havre de Grace
Havre de Grace closings follow Harford County customs. In Harford 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 Havre de Grace
The median property tax bill for homeowners in Havre de Grace is $3,843 a year, about 1.1% of the median home value of $348,800 (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.
Havre de Grace seller questions
How much is the transfer tax in Havre de Grace, Maryland?
On a $350,000 sale in Havre de Grace, transfer taxes come to $7,260: State transfer tax, Recordation tax (Harford County) and County transfer tax (Harford County, principal residence). By custom the seller pays $3,630 of that and the buyer $3,630.
How much are seller closing costs in Havre de Grace?
On a $350,000 sale, close to the median home value in Havre de Grace, with a 5% commission, estimated seller costs are about $21,590 (6.2% of the price). Without commission they are about $4,090. The loan payoff and property tax proration change the final number.
What county is Havre de Grace in, and does it matter at closing?
Havre de Grace is in Harford County, Maryland. County and state rules set the transfer taxes and recording fees, and local custom decides who pays for title and closing. In Harford 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 Havre de Grace?
The median property tax bill for homeowners in Havre de Grace is $3,843 a year, about 1.1% of the median home value of $348,800 (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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