Minnesota Home Seller Fees Explained (2026): What You Really Take Home

Thinking about selling your home in Minnesota this year? 🏡 Before you start planning your next move, it’s important to understand what selling your home will actually cost you — and what you’ll walk away with after closing.

In this 2026 guide, we're breaking down the real fees Minnesota home sellers face, what’s negotiable, and which expenses often catch sellers off guard. Whether you’re listing your first home or preparing for a major upgrade, knowing your numbers is step one.

💰 Typical Seller Fees in Minnesota

Here’s what you can expect to pay when selling a home in Minnesota:

1. Real Estate Agent Commission

This is usually the biggest cost. In Minnesota, the average total commission is around 5%–6% of the sale price, typically split between the buyer’s and seller’s agents. For a $400,000 home, that’s roughly $20,000–$24,000.

💡 Pro Tip: A great agent can help you earn more than the cost of their commission through pricing, marketing, and negotiation.

2. State Deed Tax (Transfer Tax)

Minnesota charges a 0.33% state deed tax on the sale price. On a $400,000 sale, this is $1,320.

3. Title & Closing Fees

Title companies typically charge seller-related closing fees of around $500–$1,000, depending on your provider and location.

4. Pro-Rated Property Taxes

You’ll be responsible for paying property taxes for the portion of the year you owned the home — up to the closing date. This is usually handled through a prorated credit/debit at closing.

🕵️ Hidden Fees Most Sellers Don’t Expect

Here are a few costs that tend to sneak up on sellers:

• Repair credits or concessions if issues come up during inspection

• Final utility bills and HOA fees (if applicable)

• Attorney fees (not always required in MN, but used in some situations)

• Mortgage payoff fees, including prepayment penalties (rare, but possible)

📉 What Will You Actually Take Home?

To estimate your net proceeds, subtract your total costs from the final sale price:

Example:

• Sale Price: $400,000

• Agent Commission: $24,000

• State Deed Tax: $1,320

• Title Fees: $700

• Pro-Rated Taxes: $2,000 (estimated)

• Misc. Fees: $500

Estimated Net Proceeds: $371,480

Need a more personalized estimate? Try our seller calculator here:
👉 Get Your Free Seller Report

🎯 Bottom Line: Know Before You List

Selling a home in Minnesota doesn’t have to be confusing — but it can be costly if you’re not prepared. Understanding seller fees and your potential net proceeds helps you price more strategically and plan your next move with confidence.

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✅ Ready to sell in 2026?

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