Philadelphia, PA local closing costs

Cost to sell a house in Philadelphia, PA.

On a typical $210,000 Philadelphia sale, total seller costs to list and close traditionally run about $25,889 roughly 12.3% of the sale price. Here's the line-item breakdown.

Median DOM: 24 days
Median income: $59,988
Total transfer rate: 4.28%

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List with an agent

$210,000 sale price

Agent commission (5.5%)$11,550
State + local transfer tax (4.2780000000000005%)$8,984
Owner's title insurance (0.55%)$1,155
Recording / settlement / attorney$900
Pre-listing repairs (1%)$2,100
Staging + photography$1,200

Total costs$25,889

Net to seller$184,111

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

Home Posted cash offer

$163,800 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$163,800

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

Net difference

Listing nets you more: $20,311

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 Pennsylvania, but title companies handle most closings.

Transfer tax

PA realty transfer tax: 1% state + 1% local, typically split 50/50.

Repair credits

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

Philadelphia adds a local surtax

Philadelphia RTT, +2.28%

Philadelphia adds a 3.278% realty transfer tax (typically split, so ~1.639% seller-paid) on top of the PA 1% state tax.

Result: on a $210,000 sale, Philadelphia's transfer tax line is $8,984 instead of $4,200 at the state baseline.

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