Hidden Costs to Selling Your Home (And How to Avoid Them)

Selling your home can feel like a whirlwind of excitement and anticipation. You’re probably dreaming of that "SOLD" sign and imagining your next adventure. But in the midst of planning your move, there’s a less glamorous side to the process: the hidden costs that can sneak up when you least expect them.

Let’s lift the curtain on these expenses so you can keep more money in your pocket—and avoid any unpleasant surprises along the way.

1. Real Estate Agent Commissions

This is often the biggest cost, typically ranging from 5% to 6% of the sale price. While your agent works hard to get you top dollar, it’s important to factor this fee into your calculations from the start. If you’re considering selling on your own (FSBO), remember that you’ll still likely need to pay the buyer’s agent commission.

2. Repairs and Upgrades

Prepping your home for sale can mean anything from a fresh coat of paint to major repairs uncovered during inspection. Even small fixes add up quickly. To avoid overspending, prioritize repairs that will have the biggest impact on buyers—and always get a second opinion before tackling big projects.

3. Staging and Photography

First impressions matter! Professional staging and high-quality photos help your home shine online, but these services aren’t always free. Ask your agent what’s included in their service and shop around for the best value if you’re paying out of pocket.

4. Closing Costs

Sellers are often responsible for part of the closing costs, including title insurance, escrow fees, and sometimes even a portion of property taxes. These can total 1% to 3% of the sale price. Request a detailed estimate from your agent or escrow officer early on so you know what to expect.

5. Moving Expenses

From hiring movers to renting a truck, moving costs can be surprisingly steep. Don’t forget to budget for packing supplies, storage, or even temporary housing if your timelines don’t align perfectly.

6. Unexpected Negotiations

Buyers may ask for credits or concessions after the inspection. Set aside a small buffer in your budget for these last-minute requests, and work with your agent to negotiate fairly without giving away too much.

How to Avoid These Hidden Costs

• Get multiple quotes for any service, from repairs to moving companies.
• Ask your agent for a seller’s net sheet—a breakdown of all expected costs and your estimated proceeds.
• Plan ahead for negotiation wiggle room, so you’re not caught off guard.
• Be realistic about what’s necessary to sell and what’s just nice to have.

By shining a light on these hidden costs and planning ahead, you’ll have a smoother, less stressful sale—and more money left for your next chapter. Happy selling!