Real Estate Commission Savings Calculator | Free Tool | Homeinc

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Real Estate Commission Savings Calculator — Florida & Georgia

Most home sellers think “the price minus what I owe” is what they’ll walk away with. The reality is much more expensive. Between agent commissions, closing costs, prep and repairs, holding costs, and buyer concessions, the average traditional home sale costs the seller 9-13% of the sale price. On a $350,000 home, that’s $31,000-$45,500 gone before you see a dollar.

The calculator below shows you the honest math: what you actually net from a traditional sale vs. a Homeinc cash offer, side-by-side, based on your home price, condition, and timeline.

Where Does All That Money Go in a Traditional Sale?

Here’s where the 9-13% goes in a typical Florida or Georgia home sale:

Agent commissions (5-6%)

The single biggest cost. In Florida and Georgia, the seller typically pays the combined buyer-and-seller agent commission — usually 5-6% of the sale price. On a $400,000 home, that’s $20,000-$24,000.

Closing costs (1-2%)

Title insurance, deed preparation, settlement fees, document recording, courier fees, and seller’s portion of property taxes for the year. Florida sellers also typically pay documentary stamp tax (about $0.70 per $100 of sale price). On a $400,000 home, plan on $4,000-$8,000.

Repairs and prep ($5K-$30K typical)

To compete on the MLS, your home usually needs paint, deep cleaning, repairs to anything an inspector might flag (HVAC, roof, water heater, electrical), curb appeal updates, and staging. Even a “move-in ready” home typically needs $5,000-$10,000 of prep. A home with deferred maintenance can require $20,000-$50,000.

Holding costs ($2-3K per month)

While the home sits on the market, you’re paying mortgage interest, property taxes, homeowners insurance, utilities, lawn care, and HOA fees. The Florida/Georgia average is $2,000-$3,000 per month combined. A 4-month sale costs $8,000-$12,000 just in holding.

Buyer concessions (1-3%)

Buyers in slow markets or properties with inspection findings often negotiate seller concessions — credits at closing for repairs, closing costs, or rate buydowns. In Florida’s current market (2025-2026), seller concessions average 2-3% of sale price on most transactions.

How a Cash Sale Compares: The Honest Math

Cash buyers including Homeinc pay below retail market value — typically 70-90% of what the home would list for, depending on condition. This isn’t a trick; it’s the trade for taking all the repair risk, holding risk, and closing with no contingencies.

The question is: does the no-commission, no-repair, no-holding-cost structure offset the lower offer price? The answer depends on your situation:

Cash sale tends to net MORE when:

• The home needs significant repairs ($15K+)
• You need to close fast (divorce, job relocation, foreclosure)
• The market is slow and you’d be carrying holding costs for 6+ months
• The property is tenant-occupied or has condition issues that complicate MLS sales
• You’re paying for two mortgages while waiting for the sale
• The home has insurance non-renewal that scares retail buyers off

Traditional sale tends to net MORE when:

• The home is move-in ready, in a hot market, with no time pressure
• You can self-fund any needed prep without strain
• You have an experienced agent who actually delivers above-market pricing
• You’re not paying carrying costs on two properties simultaneously

The calculator above defaults to a balanced scenario. Adjust the condition and urgency sliders to see how the math changes for your specific situation.

Why Cash Buyers Pay Below Retail (Honestly)

It’s worth understanding the cash buyer math because most articles online either oversell (“buyers pay 50% under market!”) or undersell (“cash buyers are predatory”) without explaining the actual economics:

• Repair risk. We’re buying as-is, sight-mostly-unseen relative to a buyer who can negotiate every inspection finding. If the foundation has cracks under the carpet, that’s our problem at closing.
• Holding cost while we resell. We typically hold the property 60-180 days while making repairs and reselling. During that time, we pay the carrying costs.
• Capital cost. We tie up cash that could earn returns elsewhere. That capital has an opportunity cost.
• No-contingency premium. We close without financing contingencies, appraisal contingencies, or inspection contingencies. That certainty has value — and a price.
• Volume + reputation. Reputable cash buyers like Homeinc (12 years, A+ BBB, 4.9 stars) operate at low margins but high volume. Predatory operators pay 50-60% under market; legitimate ones pay 75-90% depending on condition.

Frequently Asked Questions

How much do real estate agents charge in Florida and Georgia?

Real estate agents in Florida and Georgia typically charge 5-6% of the sale price in combined buyer-and-seller agent commissions. On a $400,000 home that’s $24,000.

Does Homeinc charge a commission?

No. Homeinc charges zero commissions, zero fees, and pays all closing costs. The cash offer we give you is the amount you receive at closing minus any existing mortgage payoff.

What other costs are there besides commission when selling a house?

Beyond the 5-6% commission, expect: closing costs (1-2%), seller concessions (1-3% in slow markets), repairs and prep ($5K-$30K typical), and holding costs of $2-3K per month while the home sits on the market.

Will Homeinc pay full market value?

No. Cash buyers including Homeinc pay below retail market value (typically 70-90% depending on condition) because we take all repair risk, hold risk, and close with no contingencies. The math often still favors the cash sale when you factor in saved commissions, no repairs, no holding costs, and no months of uncertainty.

Can I negotiate a lower commission with an agent?

Yes — agent commissions are negotiable. Some agents will accept 4-5% instead of 6%. Discount brokerages (Redfin, Houwzer) offer 1-2% listing fees. But you still pay the buyer’s agent commission (typically 2.5-3%) and you still have all the other costs (closing, repairs, holding, concessions). Even at the lowest practical commission, traditional sales cost 5-9% in total fees alone.

Related Resources

• Florida & Georgia Foreclosure Timeline Calculator
• Homeinc vs Opendoor comparison
• Best Cash Home Buyers in Florida 2026
• How Our Cash Buying Process Works
• We Buy Houses in Florida
• We Buy Houses in Georgia

Last reviewed and updated for 2026 market conditions. Homeinc’s cash offer process, closing timelines, and no-fee guarantee remain the same. Call (888) 850-2636 for a fresh cash offer today.