ClozeEZ's free commission calculator shows what you would net selling an Arizona home with an agent commission versus by owner for a flat $200 at closing. Enter your sale price below. Arizona's customary seller closing costs (title insurance, the escrow split, recording, and HOA fees) are itemized separately, because those apply either way and any calculator that folds them into the commission line overstates the difference.
6% is the traditional total. Since the 2024 NAR settlement, buyer-agent compensation is negotiable, so try 3% for listing side only.
| Owner's title insurance policy | $2,025 |
| Escrow fee (seller's customary half) | $770 |
| Recording and miscellaneous | $250 |
| HOA transfer and disclosure fees | $400 |
| Closing costs subtotal | $3,445 |
| Agent commission at 6% | $27,000 |
| ClozeEZ Platform Success Fee | $200 |
Estimates only. Arizona closing costs vary by title company, county, and contract terms, and prorated property taxes and any negotiated repair credits are not included here. Arizona has no state real estate transfer tax. Get an itemized quote from your title company for exact figures.
Commission is charged as a percentage of the sale price, so it scales with your home's value while the work involved does not. That is the whole argument for a flat fee: at 3% for the listing side alone, a $450,000 sale costs about $13,500 and a $900,000 sale costs about $27,000, for substantially the same set of tasks.
Everything else on your settlement statement is the same regardless of how you sell. In Arizona the seller customarily pays for the owner's title insurance policy and about half the escrow fee, plus recording charges, prorated property taxes to the day of closing, and any HOA transfer and disclosure fees. Arizona charges no state real estate transfer tax, which keeps closing costs lower here than in many states.
What the calculator cannot know: your exact prorated taxes, which depend on your closing date, and any repair credits negotiated after the buyer's inspection. Both can move your net by thousands. Treat the result as the shape of the deal, not the final number.
The 2024 National Association of Realtors settlement ended blanket offers of buyer-agent compensation through the MLS. Buyers working with an agent now sign a written agreement setting what their agent will be paid and by whom. For a seller that means the 6% figure is no longer a default: you decide whether to contribute to the buyer's side at all, and any request is a negotiable term of a specific offer. Set the calculator to 3% to see the listing side alone.
There is no legally set rate: commissions are negotiable and always have been. Traditionally a total of about 6% of the sale price was split between the listing and buyer's agents, roughly 3% each. Since the 2024 NAR settlement ended blanket offers of buyer-agent compensation through the MLS, the buyer side is separately negotiated, so many sellers now compare against 3% rather than 6%.
At a traditional 6% total, about $27,000. At 3% for the listing side only, about $13,500. Selling by owner on ClozeEZ, the platform charge is a flat $200 owed only at closing, regardless of sale price.
Customarily the owner's title insurance policy, roughly half the escrow fee, recording and miscellaneous charges, prorated property taxes, HOA transfer and disclosure fees where applicable, and your mortgage payoff. Arizona has no state real estate transfer tax. These apply whether or not you use an agent, which is why this calculator itemizes them separately.
No, and no calculator can be. Title and escrow fees vary by company and county, prorated taxes depend on your closing date, and repair credits are negotiated during the inspection period. Use this to understand the shape of your net proceeds, then get an itemized estimate from your title company.
No. Since the 2024 NAR settlement it is fully negotiable. Some sellers offer buyer-agent compensation to attract agent-represented buyers, others sell to unrepresented buyers and pay nothing on that side. Treat any requested contribution as a term of the offer, and compare offers on net proceeds rather than sticker price.
List your Arizona home free on ClozeEZ. The flat $200 Platform Success Fee is owed only if your home closes: no close, no fee, no percentage.
Informational only, not legal, tax, or financial advice. Estimates are illustrative and vary by title company, county, closing date, and contract terms. ClozeEZ is a software platform, not a real estate broker or law firm.