NJ Seller Net Sheet Calculator
What you actually keep when you sell in New Jersey: commission, the graduated realty transfer fee, the 2025 supplemental seller fee tiers, and your payoff, all in one estimate. Built for Hoboken, Jersey City, and Gold Coast sellers.
Estimate your proceeds
The two state fees stack: the longstanding realty transfer fee applies at every price, and the supplemental seller fee applies to the entire price when consideration exceeds $1 million, jumping at each tier line. That is why closing at $1,995,000 can net more than closing at $2,050,000. Full explainers: the 2025 seller fee tiers and every closing cost, both sides.
Net sheet questions
How is the NJ transfer fee calculated?
New Jersey’s realty transfer fee is a graduated, seller-paid fee based on the sale price, with higher brackets for homes over $350,000. This calculator applies the standard schedule; senior, disabled, and low-income sellers may qualify for reduced rates, which your attorney confirms.
What is the supplemental seller fee?
Since July 2025, sellers also pay a tiered fee on homes over $1 million: 1% above $1 million through $2 million, stepping to 3.5% above $3.5 million, applied to the entire price. Near a tier line, pricing strategy can be worth tens of thousands.
Is this my exact number?
No. It is a planning estimate using the standard fee schedules. Your exact figures depend on your payoff quote, negotiated commission, attorney fees, and any municipal certificates. I prepare a written net sheet with your actual numbers before you list.
Want your real numbers, not estimates?
A written net sheet with your actual payoff, fees, and pricing strategy: 908-227-8226, or book below.
Estimates are for planning only and use standard fee schedules as of the 2025 law; exemptions and reduced rates exist. Confirm your exact figures with your attorney and accountant.
How this calculator works
The net sheet starts with your sale price and subtracts everything New Jersey and the transaction put on the seller. The realty transfer fee is computed on the state’s graduated schedule, which for sales above $350,000 charges a rising rate per $500 of price across five brackets; on a $1 million sale it works out to about $9,575, on $1.5 million about $15,625, and on $3 million about $33,775. The supplemental fee, the mansion tax, applies to sales of more than $1 million and, under the law that took effect July 10, 2025, is paid by the seller on a graduated scale: 1 percent above $1 million through $2 million, 2 percent above $2 million to $2.5 million, 2.5 percent above $2.5 million to $3 million, 3 percent above $3 million to $3.5 million, and 3.5 percent above $3.5 million, applied to the full price. The commission is the percentage you enter, applied to the price. The attorney fee, the association’s resale certificate and any move out or transfer fees, and a title or recording line are entered as dollar amounts. The mortgage payoff is entered as a dollar amount. Tax and dues adjustments to the closing date are entered as dollar amounts, with a credit or debit depending on whether you have prepaid. The net is the price less all of the above.
Sources
New Jersey Division of Taxation, Realty Transfer Fee schedule and the supplemental fee (the 2025 amendments), with the effective dates. Hudson County Register, recording fees. Your listing agreement for the commission. Your association’s resale fee schedule.
Quick answers about this calculator
Who pays the mansion tax in New Jersey?
Since July 10, 2025, the seller, on a graduated scale from 1 percent above $1 million to 3.5 percent above $3.5 million; before that date it was a flat 1 percent paid by the buyer. Confirm the schedule with the Division of Taxation.
How much is the realty transfer fee in New Jersey?
A graduated fee paid by the seller that works out to about $9,575 on a $1 million sale and about $15,625 on a $1.5 million sale, with reduced rates for qualifying seniors and some other sellers. Confirm against the Division of Taxation schedule.
What else does a seller pay at closing in New Jersey?
The commission set in the listing agreement, the attorney, the association’s resale certificate and any transfer fees, the mortgage payoff, and adjustments for prepaid taxes and dues to the closing date.
Get the exact number
For a written net sheet on a specific home, with the transfer fee and supplemental fee run against the schedule in force on your closing date, send the address and unit to [email protected] or book a call.