What does it cost to sell a house in Phoenix with an agent?
On a traditional listing, Phoenix sellers commonly spend somewhere around 7% to 10% of the sale price once commissions, closing costs, and repairs or credits after inspection are counted. On top of that are the mortgage, taxes, insurance, and utilities while the house is on the market. The exact number depends on what you negotiate and on the house.
How much are agent commissions?
Commissions are negotiable. Since the industry rule changes in August 2024, the buyer's agent's pay is negotiated separately and is no longer offered through the MLS, but many sellers still agree to pay some or all of it. Together, the two sides have often totaled around 5% to 6% of the price.
What are seller closing costs in Arizona?
Common seller costs at an Arizona closing include:
- The owner's title insurance policy, which the seller customarily pays for in Arizona
- The seller's share of the escrow fee, which is often split with the buyer
- HOA transfer and disclosure fees, if there is an HOA
- Property taxes owed up to the closing date. Arizona property taxes are paid in arrears, so the seller usually credits the buyer at closing
- Recording fees and the payoff of any mortgage or liens
What about repairs after the inspection?
In Arizona, the buyer's requests after inspection come on a form called the BINSR, the Buyer's Inspection Notice and Seller's Response. Sellers often agree to some repairs or a credit to keep the deal together. Houses that need a roof, air conditioning, or plumbing work tend to see the biggest requests, or buyers whose lenders will not finance the house as it is.
A worked example
An illustration on a $400,000 sale, not a quote:
- Commissions at 5.5%: $22,000
- Closing costs at about 1.5%: $6,000
- Repairs or credits after inspection: $6,000
- Three months of mortgage, taxes, insurance, and utilities at $2,000: $6,000
- Total: about $40,000, so the seller nets about $360,000 before paying off the loan
How does a cash sale compare?
With us there is no commission, we pay the closing costs, and you do not make repairs. The offer is lower than a retail price on an updated house, so compare what you net, not the headline numbers. On a house that is clean and ready, a listing often wins. On a house that needs work or has a deadline, a cash sale often does. How cash offers are calculated shows the other side of the math.
General information for Arizona homeowners, not legal, tax, or financial advice. Huge Cash Offer is a home buyer, not a law firm, lender, or housing counselor.
Straight answers
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Read the guideFind out what your house is worth to us.
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