Money FAQ·Updated August 30, 2026
Everything that comes out of your sale price before you see a dollar of it: commission, title, escrow, and prorations.
Want your own number instead of a market average?
Check my home’s value →Your sale price and what actually lands in your account are two different numbers. Here’s what closes the gap between them for a typical Utah seller.
| Cost | Typical range | Notes |
|---|---|---|
| Real estate commission | 5 to 6% combined | Since 2024’s industry-wide changes, commission is negotiated directly rather than automatically baked into every listing, but most sellers still offer buyer-agent compensation to keep their home competitive. |
| Owner’s title insurance | 0.4 to 0.7% | Customarily paid by the seller in Utah. |
| Escrow & closing fees | $400 to $1,200 | Usually split between buyer and seller. |
| Recording & reconveyance fees | $50 to $150 | Releases your existing mortgage lien from the title. |
| Prorated property taxes | Varies | Your share up to the closing date. |
| HOA transfer fee | $0 to $400 | If your subdivision has an HOA, common in newer St. George developments. |
Take the current St. George median of $470,000 as an example. Commission alone, at a combined 5 to 6%, is roughly $23,500 to $28,200. Add title, escrow, recording, and prorations, and total costs before any mortgage payoff typically land somewhere between $28,000 and $34,000. That’s before you subtract what you still owe on the home itself.
Two things move that number more than anything else: whether you offer buyer-agent compensation, and whether your buyer negotiates any repair credits during inspection. Both are things your agent will walk through with you before you list, not surprises at the closing table.
Closing costs only tell half the story. What you walk away with also depends on your remaining mortgage balance, which is why the real question most sellers want answered is their net proceeds, not just the fee list.
Start with a free value estimate for your address, then work through your actual net sheet.
See your net after costs