Des Moines, IA local closing costs

Cost to sell a house in Des Moines, IA.

On a typical $205,000 Des Moines sale, total seller costs to list and close traditionally run about $16,068 roughly 7.8% of the sale price. Here's the line-item breakdown.

Median DOM: 38 days
Median income: $58,930
Total transfer rate: 0.16%

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List with an agent

$205,000 sale price

Agent commission (5.5%)$11,275
State + local transfer tax (0.16%)$328
Owner's title insurance (0.3%)$615
Recording / settlement / attorney$600
Pre-listing repairs (1%)$2,050
Staging + photography$1,200

Total costs$16,068

Net to seller$188,932

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

Home Posted cash offer

$159,900 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$159,900

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

Net difference

Listing nets you more: $29,032

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?

Not required in Iowa, but title companies handle most closings.

Transfer tax

IA charges $0.80/$500 in transfer tax. No title insurance, Iowa Title Guaranty instead.

Repair credits

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

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