NetSheet.org

Free Pennsylvania seller net sheet calculator

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

Calculate a Pennsylvania net sheet Plans and pricing

State transfer tax
1%
Owner's title policy
Buyer pays
Seller costs on $400,000
About $24,290

Pennsylvania transfer tax

Pennsylvania charges the state realty transfer tax of 1%, customarily split 50/50 between buyer and seller. On top of that, 46 county or city transfer taxes apply in parts of the state; the calculator adds them when you choose the county.

TaxLevelRateCustomarily paid by
State realty transfer taxState1%Split 50/50
Local realty transfer tax (municipality + school district)City1% (typical: 0.5% municipality + 0.5% school district)Split 50/50
Local realty transfer tax (municipality + school district)City1% (typical: 0.5% municipality + 0.5% school district)Split 50/50
Local realty transfer tax (municipality + school district)City1% (typical: 0.5% municipality + 0.5% school district)Split 50/50
Local realty transfer tax (municipality + school district)City1% (typical: 0.5% municipality + 0.5% school district)Split 50/50
Local realty transfer tax (municipality + school district)City1% (typical: 0.5% municipality + 0.5% school district)Split 50/50
Local realty transfer tax (municipality + school district)City1% (typical: 0.5% municipality + 0.5% school district)Split 50/50
Local realty transfer tax (municipality + school district)City1% (typical: 0.5% municipality + 0.5% school district)Split 50/50
Philadelphia realty transfer taxCity3.578% (total with state 4.578%)Split 50/50
Pittsburgh realty transfer tax (city + school district)City4% (total with state 5%)Split 50/50
Reading realty transfer tax (city + school district)City4% (total with state 5%)Split 50/50
Scranton realty transfer tax (city + school district)City2.7% (total with state 3.7%)Split 50/50
Wilkes-Barre realty transfer tax (municipality + school district)City2.5% (total with state 3.5%)Split 50/50
 Plus 34 more local rates; the calculator applies them by county and city. Who pays is local custom and can be changed in the contract. Rates verified 2026-09-30.
Sale priceSeller paysBuyer paysTotal
$250,000$2,500$2,500$5,000
$500,000$5,000$5,000$10,000
$1,000,000$10,000$10,000$20,000
 With no county or city chosen, split by local custom. Some counties and cities charge a different or additional rate.

Example Pennsylvania seller net sheet

A $400,000 sale with a 5% commission and a $250,000 mortgage payoff. Seller closing costs come to about $24,290, or 6.1% of the price.

LineSeller
Sale price$400,000
First mortgage payoff−$250,000
Real estate commission (5%)−$20,000
State realty transfer tax−$2,000
Local realty transfer tax (municipality + school district)−$2,000
Settlement / closing fee−$150
Release / satisfaction recording−$90
Wire / courier / payoff processing−$50
Estimated net before property tax prorations$125,710
 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 Pennsylvania

Buyer pays the owner's policy (TIRBOP promulgated sale rate, search and settlement included). Closings are usually handled by a title company. The settlement or escrow fee is paid by each side for its own closing.

Transfer taxes are split 50/50 by custom. Title premium (TIRBOP rates) includes the search; settlement/notary fees are small.

Property tax prorations

Property taxes are paid in advance. The typical effective rate is about 1.5% of value per year. County and municipal taxes are billed in Feb-Mar for the calendar year and school taxes in Jul for Jul-Jun; the seller is credited for prepaid periods.

Sources

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.

Pennsylvania net sheet questions

Does Pennsylvania have a real estate transfer tax?

Pennsylvania charges the state realty transfer tax of 1%, customarily split 50/50 between buyer and seller. On top of that, 46 county or city transfer taxes apply in parts of the state; the calculator adds them when you choose the county.

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

With no county or city chosen, the transfer tax on a $500,000 sale is about $10,000 ($5,000 seller, $5,000 buyer by custom). Some counties and cities charge a different or additional rate.

How much are seller closing costs in Pennsylvania?

On a $400,000 sale with a 5% commission, estimated seller costs in Pennsylvania come to about $24,290 (6.1% of the price), including $20,000 of commission. Without commission, closing costs are about $4,290. Local taxes, the payoff, and property tax prorations change the final number.

Who pays for title insurance in Pennsylvania?

Buyer pays the owner's policy (TIRBOP promulgated sale rate, search and settlement included).

Who handles the closing in Pennsylvania?

Closings are usually handled by a title company.

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

Property taxes are paid in advance. The typical effective rate is about 1.5% of value per year. County and municipal taxes are billed in Feb-Mar for the calendar year and school taxes in Jul for Jul-Jun; the seller is credited for prepaid periods.

Pennsylvania net sheets by county

Pennsylvania net sheets by city

The 80 largest of 278 Pennsylvania cities with a page. Each county page lists its own cities.

Guides

Net sheets in other states

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