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How this calculator works
Deterministic math — no AI, no estimation model. Formulas below.
buyer_agent_fee_paid_by_seller =
IF coverage = "yes" → sale_price × buyer_agent_pct
IF coverage = "no" → 0
IF coverage = "concession" → sale_price × concession_pct
total_seller_paid = listing_agent_fee + buyer_agent_fee_paid_by_seller
The buyer-agent-coverage toggle reflects the Aug 17, 2024 NAR settlement, which removed buyer-agent compensation from MLS listings and made it a matter of separate negotiation. See what changed.
FAQ
Do sellers still have to pay the buyer's agent commission?
No, not automatically. Since the NAR settlement took effect on August 17, 2024, buyer-agent compensation was removed from MLS listings and is now negotiated separately between the buyer and their agent. Roughly 35% of sellers still choose to cover some or all of it as a negotiating concession, but it is optional, not standard.
What is the average real estate commission rate?
There is no single official average — NAR doesn't publish one. Clever Real Estate's Feb 2026 survey (n=533 agents) found 5.70% national average, ranging from 4.50% in DC to 6.20% in Michigan. FastExpert's early-2025 survey (n=580 agents) found 5.57%. Treat any single number with that in mind — see the full state-by-state ranges.
How is commission split between agent and broker?
It varies by brokerage — a common split is 70/30 in the agent's favor, but traditional brokerages often keep 30-50%. Use the split calculator to model your specific split.