How Much Will You Net Selling a House in Springfield, Ohio?
The real number after commission, the Ohio conveyance fee, your mortgage payoff, and prorated taxes — not just your sale price.
Talk to Douglas Haney & The Haney GroupPublished August 2026 · Updated August 2026 · By Douglas Haney & The Haney Group, Springfield, OH
Douglas Haney leads The Haney Group at Coldwell Banker Heritage, working alongside Lisa Ackerman, Brad Shuman, and Amanda Russell to help buyers and sellers navigate Springfield, Ohio, Dayton, Ohio, and the surrounding Ohio market every day.
Quick Answer
Most Springfield, Ohio sellers net roughly 88%–92% of their sale price after commission, the Ohio conveyance fee, and prorated taxes — before subtracting whatever they still owe on their mortgage. On a $250,000 sale with a $150,000 payoff, that's often around $75,000–$85,000 in your pocket at closing. Your exact number depends on your loan balance, so a personalized net sheet is the only way to know for sure.
Every seller asks some version of the same question before they list: "Okay, but what do I actually walk away with?" It's the right question — and it's a different number than your sale price, sometimes by a lot.
Your net proceeds are what's left after every cost of selling comes off the top: your real estate commission, Ohio's real property conveyance fee, title and escrow charges, prorated property taxes, and — for most sellers, the biggest deduction of all — whatever you still owe on your mortgage. We build this number for Clark County and Montgomery County sellers before they ever sign a listing agreement, because it changes how people think about pricing, timing, and even whether it's the right time to sell at all.
This post walks through every line item, with a full worked example, so you can build your own rough net sheet before you talk to anyone.
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~5.9% Average total Ohio commission (negotiable) |
$4/$1,000 Clark County real property conveyance fee |
Negotiable Commission since the Aug. 2024 NAR settlement |
Sources: Real Estate Witch (Feb. 2026 Ohio agent survey) · Clark County Auditor · NAR — 2026
What Actually Comes Out of Your Sale Price Before You See Your Net?
Five things typically reduce your gross sale price on the way to your net proceeds, in roughly the order a Springfield or Dayton title company will list them on your settlement statement:
- Real estate commission. Ohio sellers pay an average of about 5.90% in total commission, according to a February 2026 survey by Real Estate Witch — but this is an average, not a fixed rate. Since practice changes from the 2024 NAR settlement took effect, buyer-agent compensation can no longer be advertised on the MLS, and commission for both sides is fully negotiable and not set by law.
- The Ohio real property conveyance fee. This is Ohio's version of a transfer tax: $1 per $1,000 of your sale price goes to the state, plus a county "permissive" fee of up to $3 per $1,000. In Clark County, that combines to $4 per $1,000 of your sale price — you can run your exact figure on the Clark County Auditor's Conveyance Fee Calculator.
- Title insurance and escrow/closing fees. Your title company charges its own fees to search the title, close the transaction, and issue an owner's title policy for the buyer. These vary by title company and sale price, so the exact figure always comes from your closing agent's quote rather than a flat percentage.
- Prorated property taxes. Ohio property taxes are paid in arrears, so at closing you'll typically credit the buyer for your share of taxes owed through your closing date.
- Your mortgage payoff. This is the one sellers most often forget to net out mentally — and for anyone who hasn't owned their home for a decade or more, it's usually the single largest deduction of all, bigger than commission.
💡 Haney Group Insight
Sellers almost always estimate their net proceeds by starting with their sale price and subtracting commission. That's only two of the five line items. If you're still paying down your mortgage, your payoff balance — not commission — is usually what moves your net number the most. Pull your current payoff quote from your lender before you build any estimate, including this one.
What Does a Real Net Sheet Look Like?
Here's a full, illustrative walkthrough for a $250,000 Springfield sale with a $150,000 mortgage balance remaining. This is an example only — your real numbers depend on your loan, your title company's fees, and your negotiated commission.
| Line Item | Example Amount | Notes |
|---|---|---|
| Sale price | $250,000 | Illustrative example |
| Real estate commission (~5.9% avg., negotiated) | -$14,750 | Fully negotiable, not fixed |
| Ohio conveyance fee ($4/$1,000, Clark County) | -$1,000 | Confirm your county's exact rate |
| Title insurance & escrow/closing fees | -$1,500 (illustrative) | Get an exact quote from your title company |
| Prorated property taxes owed through closing | -$1,200 (illustrative) | Ohio taxes are paid in arrears |
| Mortgage payoff | -$150,000 | Get a payoff quote from your lender |
| Estimated net proceeds | ≈ $81,550 | Illustrative example only |
Sources: Real Estate Witch · Clark County Auditor · our full breakdown of Ohio closing costs
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❌ Myth My net proceeds are just my sale price minus my agent's commission. |
✅ Fact Commission is usually the biggest single line item, but the conveyance fee, title and escrow fees, prorated taxes, and your mortgage payoff all come off the top too — and for many sellers, payoff is larger than commission. |
📘 Free Guide: Buying or Selling a Home in Southwest & Central Ohio
Our free guide walks Springfield and Dayton sellers through pricing, prepping, and every cost that comes out at closing — so your net sheet estimate is never a guess.
Get the Free GuideHow Do You Build Your Own Net Sheet Before You List?
You don't need to guess, and you don't need to wait until you're under contract to find out. A real net sheet takes five inputs, and most sellers can gather them in one evening.
What You'll Need to Get an Accurate Net Sheet
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A current mortgage payoff quote from your lender (not just your balance — payoff includes accrued interest) |
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Your most recent Clark, Montgomery, or Greene County property tax bill |
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Any HOA transfer fees or dues that need to be paid off or prorated |
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A realistic target sale price, based on a current market analysis — not a Zestimate |
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Any repair credits or buyer concessions you're prepared to offer |
Your sale price is not your net proceeds — and the gap between the two is bigger than most sellers expect. That gap is exactly why we build a written net sheet for every seller we work with before they sign a listing agreement, using your actual payoff and county figures instead of averages. If you'd rather start with a market-based number for your home, you can request a free home valuation and we'll build the full picture from there.
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"Your sale price is not your net proceeds — and the gap between the two is bigger than most sellers expect." |
Does Selling an Inherited or Estate Property Change the Math?
The same five line items apply, but two things are often different for heirs: there may be no mortgage payoff at all if the home was paid off, which usually means a much larger net, and estate transfers are typically exempt from the standard Ohio disclosure form. If that's your situation, our guide on selling an inherited house in Ohio walks through the probate and tax questions that come before you ever get to a net sheet.
Local Market Angle: Springfield and Dayton Sellers
For Springfield, Ohio sellers, the conveyance fee math above is exact — Clark County charges the full $4 per $1,000. If you're selling in Dayton, Ohio or elsewhere in Montgomery County, the same structure applies (Ohio's $1 state fee plus a county permissive fee), but the permissive portion can differ slightly by county, so it's worth confirming your county auditor's current rate before you finalize your own net sheet. This is exactly the kind of detail we check for every Springfield and Dayton client before we present a listing strategy — not after you're already under contract and surprised at the closing table. Whether you're in Clark County or Montgomery County, the same rule holds: your mortgage payoff and your county's exact fees matter more to your bottom line than any national average.
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DH
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"Every seller asks me the same question in a different way: 'Just tell me what I'm walking away with.' I don't guess — I start with your actual mortgage payoff before we ever talk about listing, because that's the number that changes people's minds about timing. Once you see your real net, the rest of the decision usually gets a lot easier." — Doug Haney |
Frequently Asked Questions
How much will I net selling my house in Springfield, Ohio?
Most Springfield sellers net roughly 88%–92% of their sale price after commission, the conveyance fee, title/escrow fees, and prorated taxes — before subtracting any remaining mortgage balance. Your exact number depends on your loan payoff and negotiated commission, so a written net sheet is the only reliable way to know.
What's the biggest cost that reduces my net proceeds?
For sellers who've owned their home for many years, commission is often the largest deduction. For sellers earlier in their mortgage, the payoff balance is frequently bigger than commission, the conveyance fee, and title fees combined.
Do I have to pay the buyer's agent commission in Ohio?
Not automatically. Since practice changes from the 2024 NAR settlement took effect, buyer-agent compensation can no longer be pre-set on the MLS, and commission for both sides is fully negotiable and not required by law.
How much is the Ohio conveyance fee in Clark County?
Clark County charges $4 per $1,000 of your sale price — a $1 state-mandated fee plus a $3 county permissive fee. You can confirm the current rate on the Clark County Auditor's Conveyance Fee Calculator.
Does my mortgage balance affect my net proceeds?
Yes — directly. Your payoff balance is subtracted dollar-for-dollar from your sale price at closing, which is why two homes selling for the same price can leave very different amounts in two different sellers' pockets.
Can I get an exact net sheet before I list my house?
Yes. Douglas Haney & The Haney Group builds a written net sheet for every Springfield and Dayton seller using your actual payoff quote, county fees, and a market-based price — before you sign anything.
Your sale price gets the headline, but your net proceeds are the number that actually matters — what lands in your account and funds your next move. Between commission, the conveyance fee, title and escrow charges, prorated taxes, and your mortgage payoff, the gap between the two is almost always bigger than sellers expect going in.
If you want your exact number before you make any decisions, grab our free Complete Guide to Buying or Selling a Home in Southwest and Central Ohio, or reach out and we'll build your personalized net sheet using your real numbers — not averages.
Ready to Make Your Move?
Douglas Haney & The Haney Group — Lisa Ackerman, Brad Shuman, and Amanda Russell — is here to guide you every step of the way.
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The Haney Group at Coldwell Banker Heritage · (937) 821-8103 · thehaneygroup.com
