The big items are the commission you negotiate with your agent, your mortgage payoff, and your share of property taxes, which in Indiana is usually a credit to the buyer because taxes are paid a year behind. Title and closing charges are much smaller: on 13 of my 2025 and 2026 Indiana closings, sellers paid $550 to $925 in title company fees on most closings, plus the owner's title policy when the contract put it on them. Indiana has no transfer tax.
I'm Wes Johnston, a Realtor with Trueblood Real Estate in Fishers. The fee ranges on this page come from the settlement statements on 13 of my own closings, and each one is labeled that way. Your title company and your purchase agreement set the real numbers for your sale.
Here's the thing: most of what comes out of your proceeds isn't a fee at all. It's your loan payoff and the property taxes you already owe. The fees themselves are commission, title charges, and whatever repairs or credits you agree to after the inspection. Before you list, I put all of it on a written net sheet so you know what you walk away with.
Here's what usually comes out of a seller's side of the settlement statement. Who pays what is set by custom and your purchase agreement, not by law, so some of these can move to the buyer.
What you pay your listing agent, and anything you agree to pay toward the buyer's agent. It's negotiable. More on that below.
The title company gets a payoff statement from your lender and pays off the loan from your proceeds at closing. Home equity loans and lines of credit get paid off the same way.
Indiana taxes are paid a year behind, so the seller usually credits the buyer for taxes that have built up but aren't due yet.
Commonly the owner's title policy, the title company's closing and settlement fees, a closing protection letter, and the $5 Title Insurance Enforcement Fund Fee on the owner's policy.
Anything you agree to fix or credit after the buyer's inspection, and any money you agree to put toward the buyer's closing costs.
If you're in an association, it may charge a processing or transfer fee. Some brokerages also charge a flat administrative fee on top of commission.
Here's what the seller-side charges ran on 13 of my own closings from 2025 and 2026:
Owner's title policy: $682 to $1,283, or about $2.40 to $3.60 per $1,000 of sale price. On a $300,000 home, that works out to roughly $725 to $1,075. The seller paid it on most of these; the purchase agreement decides.
Title company service fees (closing, settlement, processing, search and exam, document prep, delivery, fraud prevention): $550 to $925 on most closings, around $625 in the middle.
Closing protection letter: $25 to $35 per letter. The seller paid for one ($25).
Title Insurance Enforcement Fund Fee: $5 per policy, paid by whoever buys the policy (IC 27-7-3.6-7).
HOA: where there was an association, processing or transfer fees ran $25 to $175 per side.
Brokerage fees: in my experience, some brokerages, including mine, charge a flat administrative or transaction fee of $200 to $1,000. Ask your agent about it up front.
Source: settlement statements on 13 of my own Indiana closings from 2025 and 2026, in Hamilton, Marion, Hendricks, Johnson, Bartholomew and Allen counties, sale prices $190,000 to $431,000, as published in my Indiana closing costs guide (September 2026). Real examples, not a survey. Your title company will quote its own numbers.
No. Indiana doesn't charge a real estate transfer tax, state or local, and none of the 13 closings above had one. The state-set charges at closing are small flat fees like the sales disclosure filing fee and recording fees, and on all 13 of my closings above, the buyer paid those. My Indiana closing costs guide lists each one with its statute.
There's no set number. The National Association of Realtors says compensation is not set by law and is fully negotiable (NAR Settlement FAQs, updated September 5, 2024). So the honest answer is: whatever you and your listing agent agree to in the listing agreement. Ask every agent you interview what they charge and exactly what's included.
Since August 17, 2024, offers to pay the buyer's agent can't be posted in the MLS. You can still choose to offer compensation to a buyer's agent, or agree to it in a specific offer, but NAR's consumer guide says your agent can only offer or pay it with your written approval of the amount (September 11, 2024). Buyers now sign a written agreement with their own agent that spells out what that agent is paid.
When you compare agents, compare the whole package, not just the rate. I cover what to ask in how to choose a listing agent.
Indiana property taxes are paid a year behind. The bill you pay in 2026 is for the 2025 assessment (“2025 pay 2026”), in two installments due May 10 and November 10. So when you sell, you've usually lived in the house for months that haven't been billed yet.
The standard Indiana purchase agreement has the seller pay taxes that come due before closing, then prorates the current year's taxes through the day before closing using the most recent certified tax rates. In practice, that usually shows up as a credit from you to the buyer on the settlement statement. It's money you'd owe anyway, but it comes out of your proceeds, so it belongs on your net sheet. My Indiana property tax guide explains how the bills work.
Maybe. Most buyers get an inspection, and the purchase agreement gives them a window to ask for repairs or a credit. You can agree, counter, or say no, and they can decide whether to move forward. A radon result at or above the EPA's 4.0 pCi/L action level is a common one here; see radon in central Indiana.
Buyers can also ask you to put money toward their closing costs. That's a concession, and it's negotiable within the limits of the buyer's loan program.
The cheapest repair is usually the one you handle before the house goes on the market, on your own schedule. I go through which ones are worth it in what to fix before selling.
Here's an example, built only from the ranges above. It is not a quote.
Say you sell for $300,000 and the contract has you pay the owner's title policy, as the sellers did on most of my 13 closings. The owner's policy runs roughly $725 to $1,075, title company service fees $550 to $925, one closing protection letter $25, and the enforcement fund fee $5. That's roughly $1,305 to $2,030 in title charges.
That example leaves out the bigger items: commission, your mortgage payoff, the property tax credit, and any repairs or concessions. It also leaves out HOA and brokerage administrative fees, if you have them. Those are the numbers I fill in on a net sheet for your house.
Ask for a written net sheet before you list. Mine starts with a realistic sale price from recent nearby sales, then subtracts commission, your payoff, title charges, prorated taxes and any concessions you might expect. If the number doesn't work for your next move, better to know that before the sign goes up.
You can run a first pass yourself with my seller net sheet calculator. For the price, start with an estimate on my home value page, then let's put real numbers on it.
More seller questions, answered: how to price your home, what to fix before selling, selling on your own or with an agent, how to choose a listing agent, how long it takes to sell, whether to sell before you buy, and what affects your home's value.
Tell me the address and what you owe. I'll build a net sheet with a price backed by recent sales, the commission we'd agree to, title charges and the tax credit, so you can see your bottom line before you decide anything.
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This page is general information, not legal, tax or financial advice. Fee ranges come from 13 of my own 2025 and 2026 closings and are examples, not quotes. Your purchase agreement, title company and lender set the actual figures.