Free Middle Valley, Tennessee seller net sheet calculator
Closing costs, transfer taxes and who pays what when selling a home in Middle Valley, Tennessee (Hamilton County). The calculator applies the local rates for you.
- Median home value
- $277,400
- Transfer tax on $275,000
- $1,018
- Seller costs on $275,000
- About $14,157
- Median property tax bill
- $1,370 a year
- County
- Hamilton County
- Population
- 11,808
Middle Valley transfer tax
On a $275,000 sale in Middle Valley, transfer taxes come to $1,018: Realty transfer tax. By custom the buyer pays it. A buyer who finances 80% of the price also pays $251 in mortgage taxes (Mortgage recordation tax).
| Tax | Rate | Paid by | On $275,000 |
|---|---|---|---|
| Realty transfer tax | $0.37 per $100 (0.37% of the price) | Buyer | $1,017.50 |
| Mortgage recordation tax | $0.115 per $100 over $2,000 | Buyer | $250.70 |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $250,000 | $0 | $925 | $925 |
| $275,000 local median value | $0 | $1,017.50 | $1,017.50 |
| $500,000 | $0 | $1,850 | $1,850 |
| $1,000,000 | $0 | $3,700 | $3,700 |
Example Middle Valley seller net sheet
A $275,000 sale, close to Middle Valley's median home value of $277,400, with a 5% commission and a $165,000 mortgage payoff. Seller costs come to about $14,157, or 5.1% of the price.
| Line | Seller |
|---|---|
| Sale price | $275,000 |
| First mortgage payoff | −$165,000 |
| Real estate commission (5%) | −$13,750 |
| Settlement / closing fee | −$350 |
| Release / satisfaction recording | −$12 |
| Wire / courier / payoff processing | −$45 |
| Estimated net before property tax prorations | $95,843 |
Who pays what in Middle Valley
Middle Valley closings follow Hamilton County customs. In Hamilton County, the buyer 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 or attorney.
Property taxes in Middle Valley
The median property tax bill for homeowners in Middle Valley is $1,370 a year, about 0.49% of the median home value of $277,400 (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. Bills issued Oct 1 for the calendar year, due Feb 28; seller credits buyer when unpaid.
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.
Middle Valley seller questions
How much is the transfer tax in Middle Valley, Tennessee?
On a $275,000 sale in Middle Valley, transfer taxes come to $1,018: Realty transfer tax. By custom the buyer pays it. A buyer who finances 80% of the price also pays $251 in mortgage taxes (Mortgage recordation tax).
How much are seller closing costs in Middle Valley?
On a $275,000 sale, close to the median home value in Middle Valley, with a 5% commission, estimated seller costs are about $14,157 (5.1% of the price). Without commission they are about $407. The loan payoff and property tax proration change the final number.
What county is Middle Valley in, and does it matter at closing?
Middle Valley is in Hamilton County, Tennessee. County and state rules set the transfer taxes and recording fees, and local custom decides who pays for title and closing. In Hamilton County, the buyer customarily pays the owner's title policy. The settlement fee is customarily split between buyer and seller.
How much are property taxes in Middle Valley?
The median property tax bill for homeowners in Middle Valley is $1,370 a year, about 0.49% of the median home value of $277,400 (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. Bills issued Oct 1 for the calendar year, due Feb 28; seller credits buyer when unpaid.
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