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

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

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.