Free South Dakota seller net sheet calculator

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

Calculate a South Dakota net sheet Plans and pricing

State transfer tax: $0.50 per $500
Owner's title policy: Split 50/50 pays
Seller costs on $400,000: About $21,420

South Dakota transfer tax

South Dakota charges the real estate transfer fee of $0.50 per $500, customarily paid by the seller.

Who pays is local custom and can be changed in the contract. Rates verified 2026-09-29.
Tax	Level	Rate	Customarily paid by
Real estate transfer fee	State	$0.50 per $500	Seller

With no county or city chosen, split by local custom.
Sale price	Seller pays	Buyer pays	Total
$250,000	$250	$0	$250
$500,000	$500	$0	$500
$1,000,000	$1,000	$0	$1,000

Example South Dakota seller net sheet

A $400,000 sale with a 5% commission and a $250,000 mortgage payoff. Seller closing costs come to about $21,420, or 5.4% 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
Real estate transfer fee	−$400
Owner's title insurance policy	−$700
Settlement / closing fee	−$250
Release / satisfaction recording	−$30
Wire / courier / payoff processing	−$40
Estimated net before property tax prorations	$128,580

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 South Dakota

Owner's policy commonly split 50/50. Closings are usually handled by a title company. The settlement or escrow fee is customarily split between buyer and seller.

Seller pays the transfer fee.

Property tax prorations

Property taxes are paid in arrears. The typical effective rate is about 1.1% of value per year. Taxes are paid the following year (halves Apr 30 / Oct 31); seller credits buyer for prior-year unpaid taxes plus Jan 1 through closing.

Sources

sdlegislature.gov

Verified 2026-09-29. 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.

South Dakota net sheet questions

Does South Dakota have a real estate transfer tax?

South Dakota charges the real estate transfer fee of $0.50 per $500, customarily paid by the seller.

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

With no county or city chosen, the transfer tax on a $500,000 sale is about $500, customarily paid by the seller.

How much are seller closing costs in South Dakota?

On a $400,000 sale with a 5% commission, estimated seller costs in South Dakota come to about $21,420 (5.4% of the price), including $20,000 of commission. Without commission, closing costs are about $1,420. Local taxes, the payoff, and property tax prorations change the final number.

Who pays for title insurance in South Dakota?

Owner's policy commonly split 50/50.

Who handles the closing in South Dakota?

Closings are usually handled by a title company.

How are property taxes prorated when selling a home in South Dakota?

South Dakota net sheets by county

South Dakota net sheets by city

The 14 largest of 14 South Dakota cities with a page. Each county page lists its own cities.

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