Free North Carolina seller net sheet calculator

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

Calculate a North Carolina net sheet Plans and pricing

State transfer tax: $1.00 per $500
Owner's title policy: Buyer pays
Seller costs on $400,000: About $21,171

North Carolina transfer tax

North Carolina charges the excise tax on conveyances (revenue stamps) of $1.00 per $500, customarily paid by the seller. On top of that, 1 county or city transfer tax applies in parts of the state; the calculator adds them when you choose the county.

Who pays is local custom and can be changed in the contract. Rates verified 2026-09-30.
Tax	Level	Rate	Customarily paid by
Excise tax on conveyances (revenue stamps)	State	$1.00 per $500	Seller
County land transfer tax (1%)	County	1% of price	Seller

With no county or city chosen, split by local custom. Some counties and cities charge a different or additional rate.
Sale price	Seller pays	Buyer pays	Total
$250,000	$500	$0	$500
$500,000	$1,000	$0	$1,000
$1,000,000	$2,000	$0	$2,000

Example North Carolina seller net sheet

A $400,000 sale with a 5% commission and a $250,000 mortgage payoff. Seller closing costs come to about $21,171, or 5.3% of the price.

Title and settlement fees are typical estimates, not quotes.
Line	Seller
Sale price	$400,000
First mortgage payoff	−$250,000
Real estate commission (5%)	−$20,000
Excise tax on conveyances (revenue stamps)	−$800
Seller's attorney fee	−$300
Release / satisfaction recording	−$26
Wire / courier / payoff processing	−$45
Estimated net before property tax prorations	$128,829

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 North Carolina

Buyer customarily pays the owner's policy. Closings are usually handled by an attorney, and an attorney is customarily required at closing. The settlement or escrow fee is customarily paid by the buyer.

Attorney closings. Seller pays excise stamps and deed preparation; buyer pays title and attorney.

Property tax prorations

Property taxes are paid in arrears. The typical effective rate is about 0.75% of value per year. Bills issued Jul-Sep for the calendar year, due Sep 1 (delinquent Jan 6); seller credits buyer when unpaid.

Sources

ncleg.gov

Verified 2026-09-30. 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.

North Carolina net sheet questions

Does North Carolina have a real estate transfer tax?

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

With no county or city chosen, the transfer tax on a $500,000 sale is about $1,000, customarily paid by the seller. Some counties and cities charge a different or additional rate.

How much are seller closing costs in North Carolina?

On a $400,000 sale with a 5% commission, estimated seller costs in North Carolina come to about $21,171 (5.3% of the price), including $20,000 of commission. Without commission, closing costs are about $1,171. Local taxes, the payoff, and property tax prorations change the final number.

Who pays for title insurance in North Carolina?

Buyer customarily pays the owner's policy.

Who handles the closing in North Carolina?

Closings are usually handled by an attorney, and an attorney is customarily required at closing.

How are property taxes prorated when selling a home in North Carolina?

North Carolina net sheets by county

North Carolina net sheets by city

The 80 largest of 97 North Carolina cities with a page. Each county page lists its own cities.

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