Cost to Sell a Home in Plano: Fees and Net Proceeds

Selling a home in Plano costs more than the mortgage payoff, and the difference is a stack of fees that varies with the price and the contract. This guide walks through the typical costs of a Texas home sale with 2026 public figures, plus a clearly labeled example of what net proceeds can look like for a median-priced Plano home. The numbers are illustrative, built from published ranges, and your exact quote comes from your broker and title company.

What Plano prices look like right now

Zillow put Plano's typical home value near $501,500 in March 2026, down about 5 percent year over year, with a median sale price around $490,000, while Redfin reported a median near $485,000 in February 2026 and local MLS-based figures have run higher, around $535,000 year to date. For this example, a $500,000 sale price sits right in the middle of those public ranges.

The commission is the biggest line

Texas listing commissions typically run 5 to 6 percent of the sale price, split between the listing and buyer's side, and they are fully negotiable. On a $500,000 sale at 5.5 percent, that is about $27,500. Commission is the single largest cost most sellers pay, so it deserves a frank conversation about services before you sign the listing agreement.

Title, closing, and the no-transfer-tax bonus

Beyond commission, Texas sellers typically pay 1 to 3 percent of the price for title insurance, title and escrow services, and prorated property taxes, but there is no state transfer tax in Texas. Regulated title rates were cut 6.2 percent effective March 1, 2026, and a seller-paid owner's title policy on a $500,000 home runs roughly $2,700 to $2,900, with the lender's policy only about $100 when issued simultaneously. Prorated taxes and any concessions or HOA transfer fees add the rest.

An illustrative net-proceeds example

On a $500,000 sale with a 5.5 percent commission ($27,500), title and closing costs of about 1.5 percent ($7,500), $5,000 in prorated taxes and transfers, and no concessions, total costs run about $40,000, leaving roughly $460,000 before the mortgage payoff. Adjust the assumptions for your actual contract and you get your number. Your broker should hand you this exact estimate, line by line, before you list.

What moves your net number

The levers are the commission rate, the title premium, prorated tax timing, and any concessions you offer a buyer, plus what you owe on the mortgage. Sellers who negotiate the commission, minimize concessions in competitive bidding, and close early in the tax year keep more. And the one thing that moves every line, price, is exactly where a broker's pricing strategy earns its keep.

Selling in Plano or anywhere in DFW? Sharon Yeary and the Sharcom Realty Group team will build your net-proceeds estimate from today's comparables and today's costs, then help you price so the estimate holds up. Send us your address and get the real number for your home.