Naperville, IL local closing costs

Cost to sell a house in Naperville, IL.

On a typical $460,000 Naperville sale, total seller costs to list and close traditionally run about $36,830 roughly 8.0% of the sale price. Here's the line-item breakdown.

Median DOM: 38 days
Median income: $131,831
Total transfer rate: 0.55%

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List with an agent

$460,000 sale price

Agent commission (5.5%)$25,300
State + local transfer tax (0.55%)$2,530
Owner's title insurance (0.5%)$2,300
Recording / settlement / attorney$900
Pre-listing repairs (1%)$4,600
Staging + photography$1,200

Total costs$36,830

Net to seller$423,170

Time to close varies with market demand, financing, inspections, and title work.

Home Posted cash offer

$358,800 offer (~78% of retail)

Agent commission$0
Transfer tax(Buyer pays)$0
Title insurance(Buyer pays)$0
Closing / attorney fees(Buyer pays)$0
Repairs(As-is, buyer's problem)$0
Staging / photography(Not needed)$0

Total costs$0

Net to seller$358,800

Timing, contingencies, and seller costs are stated in the written offer.

Net difference

Listing nets you more: $64,370

The trade is time, certainty and effort vs the last few percent of retail. If your house needs repairs or you can't wait 90 days, the cash path usually wins on the math too.

Attorney required?

Yes, Illinois customarily requires an attorney at closing.

Transfer tax

IL state + county + city transfer taxes stack; Chicago is highest. Attorney customary.

Repair credits

On a traditional listing, post-inspection repair credits in Naperville commonly cost sellers another $2-8k beyond the budget above.

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