Use this calculator to estimate what you’ll pay at closing and what you’ll walk away with after selling your home in Southern Maryland. Adjust your sale price, county, commission rate, and mortgage payoff to see a real-time breakdown.
Quick answer: on a typical Southern Maryland home sale, sellers pay 7–10% of the sale price in total closing costs before mortgage payoff — commission is the largest line item, followed by transfer taxes that vary significantly by county. Calvert County sellers pay among the lowest total taxes in Maryland; Prince George’s and Howard County sellers pay the most.
Maryland Seller Closing Cost Calculator
Rates verified July 2026. Estimate only — confirm with your title company.
What This Calculator Includes
The calculator above covers the main costs a seller controls or can estimate in advance: agent commission, Maryland state transfer tax (seller’s half = 0.25%), county transfer tax (the biggest variable between counties), title and settlement fees (estimated at $1,000), prorated property taxes (estimated at $1,200), and any seller concessions you offer. Recordation tax is not included because it is customarily paid by the buyer in Maryland.
What it does not include: outstanding liens, HOA fees, home warranty, wire transfer fees, or the Columbia Association charge specific to Howard County homes. For a line-by-line breakdown of every possible closing cost, see our Cost of Selling a House in Southern Maryland guide.
County Transfer Tax Rates at a Glance (FY2026)
County transfer tax is the line item that varies most between counties — from zero in Calvert to 1.5% in Howard. All sellers also pay Maryland’s state transfer tax, customarily split 50/50 with the buyer (seller’s share = 0.25%).
| County | County Transfer Tax | State Transfer (seller’s share) | Combined |
|---|---|---|---|
| Calvert | 0% | 0.25% | 0.25% |
| Charles | 0.5% | 0.25% | 0.75% |
| St. Mary’s | 1.0% | 0.25% | 1.25% |
| Anne Arundel | 1.0% | 0.25% | 1.25% |
| Prince George’s | 1.4% | 0.25% | 1.65% |
| Howard | 1.5% | 0.25% | 1.75% |
Get an Exact Number — Not Just an Estimate
This calculator gives you a solid ballpark. For an exact seller net sheet based on your actual home, your mortgage payoff, and today’s market value, call or text James directly. He’ll run the real numbers for your specific situation — no obligation, no pressure.
Two Licensed Professionals Running Your Numbers
When James runs your seller net sheet, you also get Aimee — a licensed Maryland agent with over a decade of experience, born and raised in the state. Aimee ensures every cost is accounted for and nothing gets missed between contract and closing. Two licensed sets of eyes on your sale.
👉 Buying instead of selling? See our full guide to Buyer Closing Costs in Maryland: What You’ll Pay at Closing by County — including lender fees, title costs, and the first-time buyer transfer tax exemption.
Curious What Your Home Is Actually Worth?
Get a free, no-obligation home value report based on real Southern Maryland market data — sent to you personally by James.
📞 Call or text: (301) 751-9318
Frequently Asked Questions About Maryland Seller Closing Costs
What does this closing cost calculator include?
The calculator estimates Maryland state transfer tax (0.25% seller share), county transfer tax (varies by county), state recordation tax, title and settlement fees, and real estate commission. Your actual closing statement may include additional items specific to your loan payoff, HOA fees, or negotiated concessions.
What is the seller transfer tax rate in Southern Maryland?
Maryland sellers pay a 0.25% state transfer tax on the sale price. County transfer tax varies: Calvert County charges no county transfer tax (0%), making it the lowest in the region; Charles County charges 0.5%; St. Mary’s County charges 1.0%. These rates are for FY2026.
Which Southern Maryland county has the lowest seller closing costs?
Calvert County. Because Calvert charges no county transfer tax, sellers there pay only the state transfer tax (0.25%), significantly less than Charles County (0.75% combined) or St. Mary’s County (1.25% combined). All other closing costs — commissions, recordation tax, settlement fees — apply in all counties.
Can I negotiate who pays closing costs in Maryland?
Yes. Maryland closing costs are negotiable. It is common for sellers to pay the county transfer tax and their share of recordation tax, but buyers sometimes request a seller concession to cover part of their own closing costs. How these are split depends on your contract terms and market conditions at the time of sale.
Disclaimer: Calculator results are estimates only, based on typical Maryland closing cost rates as of 2026. Actual costs depend on your specific transaction, lender requirements, and county. Confirm all figures with your title company before closing.