Free St. Joseph, Missouri seller net sheet calculator
Closing costs, transfer taxes and who pays what when selling a home in St. Joseph, Missouri (Buchanan County). The calculator applies the local rates for you.
- Median home value
- $144,200
- Transfer tax on $145,000
- None
- Seller costs on $145,000
- About $8,243
- Median property tax bill
- $1,199 a year
- County
- Buchanan County
- Population
- 71,098
St. Joseph transfer tax
Missouri does not charge a real estate transfer tax, so there is none to pay on a home sale in St. Joseph.
Example St. Joseph seller net sheet
A $145,000 sale, close to St. Joseph's median home value of $144,200, with a 5% commission and an $85,000 mortgage payoff. Seller costs come to about $8,243, or 5.7% of the price.
| Line | Seller |
|---|---|
| Sale price | $145,000 |
| First mortgage payoff | −$85,000 |
| Real estate commission (5%) | −$7,250 |
| Owner's title insurance policy | −$571.25 |
| Settlement / closing fee | −$350 |
| Release / satisfaction recording | −$27 |
| Wire / courier / payoff processing | −$45 |
| Estimated net before property tax prorations | $51,756.75 |
Who pays what in St. Joseph
St. Joseph closings follow Buchanan County customs. In Buchanan 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.
Property taxes in St. Joseph
The median property tax bill for homeowners in St. Joseph is $1,199 a year, about 0.83% of the median home value of $144,200 (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. Calendar year, due Dec 31 (in arrears); seller credits buyer for Jan 1 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.
St. Joseph seller questions
How much is the transfer tax in St. Joseph, Missouri?
Missouri does not charge a real estate transfer tax, so there is none to pay on a home sale in St. Joseph.
How much are seller closing costs in St. Joseph?
On a $145,000 sale, close to the median home value in St. Joseph, with a 5% commission, estimated seller costs are about $8,243 (5.7% of the price). Without commission they are about $993. The loan payoff and property tax proration change the final number.
What county is St. Joseph in, and does it matter at closing?
St. Joseph is in Buchanan County, Missouri. County and state rules set the transfer taxes and recording fees, and local custom decides who pays for title and closing. In Buchanan County, the seller customarily pays the owner's title policy. The settlement fee is customarily split between buyer and seller.
How much are property taxes in St. Joseph?
The median property tax bill for homeowners in St. Joseph is $1,199 a year, about 0.83% of the median home value of $144,200 (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. Calendar year, due Dec 31 (in arrears); seller credits buyer for Jan 1 through closing.
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