What Closing Costs Should You Expect When Selling a Home in the Central Valley?

Central Valley Market

Whether you’re selling a starter home in Fresno, a family home in Modesto, or a bungalow in Sacramento’s Curtis Park, knowing your expected closing costs helps you prepare financially and avoid surprises. In the Central Valley, these costs usually total 6–8% of your final sale price.

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

This is the largest seller cost. It’s split between your agent and the buyer’s agent.

Example: On a $400,000 home, 5% = $20,000
Value Tip: A skilled agent helps reduce time on market and net you more through strategic pricing.

2. Escrow & Title Fees (Split Equally)

In the Central Valley, escrow and title companies typically split fees 50/50.

Estimate: ~$1.50–$2.00 per $1,000 of the sale price
On a $400,000 home: Your portion may range from $600–$1,000

3. Title Insurance (Owner’s Policy)

You’ll pay for the buyer’s title insurance policy.

Estimate: $1,000–$1,500

4. County Transfer Tax

Flat Rate: $1.10 per $1,000 of the sale price
Example: $400,000 sale = $440

5. Other Seller Costs

NHD Report: $100–$150
Home Warranty (optional): $300–$600
Repairs / Buyer Credits: Based on inspection results

Summary for Central Valley Sellers

Item	Estimated Cost (on $400K sale)
Commission (5%)	$20,000
Escrow/Title Fees	$600–$1,000
Owner’s Title Insurance	$1,000–$1,500
Transfer Tax	$440
NHD Report	$100–$150

Conclusion

Closing costs in the Central Valley are fairly predictable—and manageable with proper planning. Work with a trusted Central Valley real estate agent to build your net sheet and avoid surprises during escrow.
📍 Selling in Sacramento, Modesto, or Fresno? Reach out today to start with a free home valuation.