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Real Estate Commission Calculator (Agent / Broker Split)
A US home sale currently runs about 5.70% in total real-estate commission — roughly 2.88% to the listing side and 2.82% to the buyer side (Clever averages, early 2026) — but every number is negotiable, so treat these as editable starting points. The commission on a side is price × side_rate, and that side is then split between the agent and their broker: agent_take = side × agent_split, broker_take = side × (1 − agent_split). On a $400,000 home the listing side at 2.88% is $11,520, and at a 50/50 split the agent keeps $5,760 and the broker $5,760. Since the NAR settlement took effect on 17 August 2024, the seller no longer automatically pays the buyer's agent — buyer-agent commission is negotiated separately and can't be advertised on the MLS — so model the two sides separately. Enter your price, side rate and split. Free, no login.
Total US commission (negotiable average, early 2026): ~5.70% — listing side ~2.88%, buyer side ~2.82%
- Side commission: side = price × side_rate (compute the listing and buyer sides separately)
- Agent/broker split applies to ONE side: agent_take = side × agent_split; broker_take = side × (1 − agent_split)
- Worked example — $400,000 home, listing side 2.88%: side = $11,520; 50/50 split → agent $5,760, broker $5,760
- Worked example — $400,000 home total at 5.70%: $22,800 across both sides before any splits
- Post-NAR (eff 17-Aug-2024): the seller no longer auto-pays the buyer's agent — negotiate buyer-side separately
- Concession gap — buyer agrees 2.82% ($11,280) but seller offers 2.0% ($8,000) → buyer covers the $3,280 shortfall
Frequently asked questions
How much is real estate commission on a $400,000 house?
At the current US average of about 5.70% total, a $400,000 sale is roughly $22,800 in commission, split between the listing side (~2.88% = $11,520) and the buyer side (~2.82% = $11,280). Each side is then divided between the agent and their broker — at a 50/50 split the listing agent keeps $5,760 and their broker $5,760. All of these rates are negotiable and vary by market (a typical range is about 4.5%–6.2%), so treat the averages as editable starting points, not fixed rates.
How does the agent/broker commission split work?
The split applies to the agent's side of the commission, not the gross deal commission. First compute the side: side = price × side_rate (for example a 2.88% listing side on a $400,000 home is $11,520). Then split that side between the agent and their brokerage: agent_take = side × agent_split and broker_take = side × (1 − agent_split). At a common 50/50 split the agent and broker each get $5,760; at a 70/30 split favouring the agent it would be $8,064 and $3,456. Enter your own side rate and split.
Does the seller still pay the buyer's agent after the NAR settlement?
Not automatically. Since the NAR settlement took effect on 17 August 2024, the seller no longer automatically pays the buyer's agent, buyer-agent commission is negotiated separately, and it can no longer be advertised on the MLS. Buyers now sign a buyer-broker agreement at an agreed rate, and if the seller's offered concession is smaller than that agreed rate, the buyer pays the shortfall out of pocket. For example, on a $400,000 home a buyer who agreed 2.82% ($11,280) but is offered a 2.0% concession ($8,000) covers the $3,280 gap themselves. Model the listing and buyer sides separately to see who pays what.