Madison, WI local closing costs

Cost to sell a house in Madison, WI.

On a typical $240,000 Madison sale, total seller costs to list and close traditionally run about $19,180 roughly 8.0% of the sale price. Here's the line-item breakdown.

Median DOM: 38 days
Median income: $68,453
Total transfer rate: 0.30%

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List with an agent

$240,000 sale price

Agent commission (5.5%)$13,200
State + local transfer tax (0.3%)$720
Owner's title insurance (0.4%)$960
Recording / settlement / attorney$700
Pre-listing repairs (1%)$2,400
Staging + photography$1,200

Total costs$19,180

Net to seller$220,820

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

Home Posted cash offer

$187,200 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$187,200

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

Net difference

Listing nets you more: $33,620

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 Wisconsin, but title companies handle most closings.

Transfer tax

WI transfer fee is $3/$1,000.

Repair credits

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

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