The Hidden Costs of Selling a Home in Washington State: What Every Homeowner Should Know
When it comes to selling a home in Washington State, many homeowners focus on the sale price—but fewer realize how many hidden costs can quietly eat into their profit. From agent commissions to repairs, taxes, and staging expenses, selling a property can come with a surprising list of fees that reduce your net proceeds.
In this blog, we’re breaking down the true cost of selling a home in Washington State. Whether you’re getting ready to list your property or just exploring your options, understanding these hidden costs can help you better prepare—and avoid unpleasant surprises.
1. Real Estate Agent Commissions
The most common and often largest selling cost is the real estate agent commission. In Washington State, this typically ranges from 5% to 6% of the final sale price, split between the buyer’s and seller’s agents.
On a $500,000 home, that could mean paying $25,000 to $30,000 in commissions alone.
Some homeowners try to avoid this fee by listing their home as For Sale By Owner (FSBO), but that can come with its own challenges—especially if you're unfamiliar with the selling process, paperwork, and marketing.
2. Repairs and Pre-Sale Improvements
Buyers expect homes to be in good condition. As a result, many sellers spend money on repairs, upgrades, and cosmetic improvements to make their home more appealing. Common expenses include:
Painting
Flooring updates
Landscaping
Roof repairs
Fixing plumbing or electrical issues
Even minor improvements can quickly add up to several thousand dollars, depending on the condition of the property.
3. Staging and Photography
In a competitive market like Seattle or Bellevue, home staging and professional photography can help listings stand out—but they come at a cost.
Staging a small home: $1,000–$2,000
Professional photography: $200–$500
Virtual tours or drone footage: additional $200–$800
While optional, these services can influence buyer interest and help sell your home faster.
4. Closing Costs for Sellers
Many homeowners are surprised to learn they are responsible for seller-side closing costs, which typically range from 1% to 3% of the sale price. These may include:
Title insurance
Escrow fees
County transfer taxes
Recording fees
HOA transfer fees (if applicable)
For example, on a $400,000 home, you might pay $4,000–$12,000 in seller closing costs.
5. Property Taxes and Utilities
You’ll also need to prorate property taxes, utility bills, and HOA dues up to the date of sale. These are minor compared to other costs, but they can still add up, especially if the home sits on the market longer than expected.
6. Capital Gains Taxes (Sometimes)
If you’ve lived in your home for fewer than two of the last five years or made a significant profit, you could be subject to capital gains tax on the sale. While Washington State doesn’t have a state income tax, federal taxes may apply, particularly if your profit exceeds the exemption limits:
$250,000 for single filers
$500,000 for married couples filing jointly
Check with a tax advisor to see if this applies to your situation.
7. Holding Costs While You Wait to Sell
The longer your home is on the market, the more you'll pay in holding costs—things like:
Mortgage payments
Utilities
Insurance
Property taxes
Maintenance
A slow sale means you’re paying for two homes if you’ve already moved, which can put significant pressure on your finances.
Final Thoughts
Selling a home in Washington State comes with more costs than many realize. When you factor in agent commissions, repairs, staging, closing costs, taxes, and holding costs, your net profit can be much lower than the sale price suggests.
By understanding and planning for these expenses ahead of time, you can make smarter financial decisions and avoid surprises during the selling process.
Have questions about selling your home in Washington State? We’re happy to walk you through your options and help you explore the most cost-effective path forward. Reach out today to get a detailed breakdown tailored to your property.