San Diego Home Sellers: What Closing Costs Should You Expect?

San Diego Market

Whether you're selling a coastal property in La Jolla, a North Park craftsman, or a family home in Chula Vista, understanding your closing costs is key to knowing how much you’ll walk away with. In San Diego’s dynamic real estate market, seller costs generally total 6%–8% of the home’s final sale price. Below, we break it all down.

1. Real Estate Agent Commission (Typically 5–6%)

This is the biggest seller cost in San Diego and is usually split between your listing agent and the buyer’s agent.

Standard Rate: 2.5–3% per agent
Example: On a $900,000 home, 5% = $45,000 total commission

💡 Tip: Choose an experienced San Diego real estate agent who understands coastal and inland markets to ensure your listing gets top dollar.

2. Escrow Fees (Split Between Buyer & Seller)

San Diego sellers generally split escrow fees 50/50 with buyers, though this can vary.

Estimate: ~$1.00–$2.25 per $1,000 of the sale price
Example: On a $900,000 home, your share = $900–$2,000

3. Owner’s Title Insurance

Sellers in San Diego typically pay for owner’s title insurance, protecting the buyer’s ownership rights.

Cost: ~$1,000–$2,500, depending on sale price

4. County Transfer Tax

San Diego County charges $1.10 per $1,000 of sale price.

Example: On a $900,000 home, expect ~$990 in transfer tax

5. Natural Hazard Disclosure Report (NHD)

Required by California law, this report outlines risks from fires, floods, and earthquakes.

Cost: ~$100–$150

6. Optional Costs

Home Warranty (Buyer Incentive): $300–$600
Pre-Sale Repairs or Credits: Varies depending on inspection outcomes
Staging & Photography: Optional, but strongly recommended in competitive markets like La Jolla or Pacific Beach

Total Estimate for San Diego Sellers

Closing Cost Item	Estimated Cost
Agent Commission (5–6%)	$45,000–$54,000 (on $900K)
Escrow Fees	$900–$2,000
Title Insurance	$1,000–$2,500
Transfer Tax	$990
NHD Report	$100–$150
Home Warranty (Optional)	$300–$600

Conclusion

Closing costs for San Diego home sellers can add up, but with the right real estate agent and pricing strategy, you’ll still walk away with a strong return.
📞 Thinking of selling your San Diego home? Contact our local team for a personalized net sheet and a free market evaluation today.