A quiet Arizona neighborhood street at sunset, mountains in the distance

Listing costs
about $33,500.

That is on a typical $416,700 Arizona home when you pay both agents, before title, escrow, repairs and credits.

From Arizona county records · Veteran and first responder owned · No account needed

Bryce Henderson · real estate investor, veteran and paramedic · Monthly figures through September 2026

Where it goes

A typical $416,700 Arizona home: about $33,500 in listing costs

That leaves about $383,200 before the costs only you can price and any loan payoff.

Listing agentBuyer's agentBelow askingTax and insuranceRecording

Costs only you can price:

  • Credits to the buyer at closing
  • Repairs after the inspection
  • Cleaning, prep and staging
  • Title policy and escrow fee
  • Your mortgage, utilities and dues while listed
  • Moving
about $33,500
listing a typical Arizona home, both agents paid
$12,000
your listing agent
$11,800
the buyer's agent, if you agree to pay it
$9,100
below asking, the typical gap here
$295 a month
property tax and insurance while it is listed
$30
county recording fee, with the $2 transfer fee inside it

Commission: our arithmetic on the standard Arizona listing and buyer's agent rates that 12 Arizona agents reported in Clever Real Estate's August 2026 survey (its page of October 1, 2026); commission is negotiated sale by sale, and the buyer's agent side applies only when you agree to pay it. Below asking: Redfin sale-to-list, September 2026. Tax and insurance: Census median taxes paid and U.S. Treasury premium data for 2022, brought to today with the Bureau of Labor Statistics price index for homeowners insurance premiums. Credits: Redfin, September 18, 2026. Our arithmetic, rounded to the nearest $100.

These are a typical home's numbers. Yours start with the report on your own home.

Listed or sold directly

Each cost of a listed sale on a typical $416,700 Arizona home, and who carries it when you sell to us for cash instead.

Costs that come with a listing

  • Your listing agentListed: $12,000Sold to us for cash: None
  • The buyer's agentListed: $11,800, if you agree to pay itSold to us for cash: None
  • Below askingListed: $9,100 on a typical home hereSold to us for cash: No listing, so no asking price
  • Credits to the buyer at closingListed: Yours to agree; about 7 in 10 Phoenix-area purchases handled by Redfin's buyers' agents had oneSold to us for cash: None asked
  • Repairs after the inspectionListed: Your quoteSold to us for cash: None; we buy as it is
  • Cleaning, prep and showingsListed: Your quote and your timeSold to us for cash: None; no showings
  • Title policy and escrow feeListed: The title company's filed scheduleSold to us for cash: We pay them
  • Payments while it sitsListed: $295 a month in tax and insurance, plus your mortgage and utilitiesSold to us for cash: Until the closing date you pick
  • Waiting on the buyer's loanListed: Loan approval is due three days before closingSold to us for cash: No buyer's loan to wait for

Costs either way

  • County recording feeListed: $30, with the $2 transfer fee inside itSold to us for cash: Same either way
  • Association resale paperworkListed: Up to $400, only in an associationSold to us for cash: Same either way
  • Property tax for your monthsListed: Your share of the yearSold to us for cash: Same either way
  • Your loan payoff and movingListed: YoursSold to us for cash: Yours

A direct buyer usually pays less than a buyer on the open market would.

A call with our team can go through both ways of selling for your own home.

The cost of time

What the time to sell did to the price

How far under the final asking price the typical Arizona home sold, by the days from listing to sale, in dollars on a $416,700 home.

  • Within 30 daysfull asking
  • 31 to 60 days$2,900 under
  • 61 to 90 days$6,200 under
  • 91 to 180 days$7,900 under
  • 181 days or more$12,100 under

About 2 in 10 homes sold above asking within 30 days of listing; about 1 in 10 after 180 days.

Our count of 82,710 Arizona sales listed on Realtor.com and sold October 21, 2025 to October 20, 2026: the days from the list date to the sale date, and the median sale price against the final asking price in each band, in dollars on the typical home.

When a sale falls through or runs late

About 7 in 100
contracts were canceled in the three months through September, nationally
About 16 in 100
contracts closed later than planned, nationally

Contracts typically closed in 30 days, nationally. Source: National Association of REALTORS, REALTORS Confidence Index, September 2026, read October 21, 2026. We found no published Arizona figure.

Costs by area

Listing costs on a typical home in each area, when you pay both agents, and what is left before title, escrow, repairs, credits and your loan.

Cities: listing costs on a typical home

Typical value: Zillow Home Value Index. Below asking: Redfin's sale-to-list figure. Tax and insurance: Census median taxes paid and U.S. Treasury premium data for 2022, brought to today with the Bureau of Labor Statistics price index for homeowners insurance premiums, for the area's days on market (Realtor.com). Commission: our arithmetic on the standard Arizona rates in Clever Real Estate's August 2026 survey. Rounded to the nearest $100; a typical home, not a quote.

What Arizona law fixes

Arizona has no transfer tax

Arizona has no percentage transfer tax on selling a home, and the state constitution forbids the state, counties, cities and towns from adding any new tax, fee or stamp on selling or transferring real property.

The only charge that exists is a flat $2 real estate transfer fee on each deed, and it is collected inside the county recorder's $30 recording fee for the document, not on top of it.

Ariz. Const. art. IX, sec. 24; A.R.S. 11-1132; A.R.S. 11-475(A)(1), read in full at azleg.gov on October 20, 2026.

  • Resale paperwork, per associationA.R.S. 33-1806(D), 33-1260(D)up to $400
  • Rush delivery within 72 hoursonly if you ask for itup to $100
  • Update after 30 daysonly if the sale drags onup to $50

Read in full on azleg.gov on October 20, 2026.

Questions, answered

What does it cost to sell a house in Arizona?

On a typical $416,700 home, about $33,500 when you pay both agents: about $12,000 to your listing agent and $11,800 to the buyer's agent at the standard Arizona rates in Clever Real Estate's August 2026 survey; about $9,100 below asking (Redfin, September 2026); about $600 in property tax and insurance ($295 a month) for the typical time an Arizona listing stays on the market; and the $30 recording fee. Title, escrow, repairs, credits to the buyer and your loan payoff come on top.

Do sellers pay the buyer's agent in Arizona?

Only if they agree to. Each side signs its own agreement with its agent, and a seller may offer to pay the buyer's agent to help the buyer afford the home (Clever Real Estate, October 1, 2026). On a typical Arizona home that fee comes to about $11,800.

What closing costs do sellers pay in Arizona?

The fixed ones are small: a $30 recording fee per document with the $2 transfer fee inside it, and, in an association, up to $400 for the resale paperwork. The title policy and escrow fee come from the title company's filed schedule, the property tax is split by the days each side owned the home, and the purchase contract says who pays which. We read the Arizona laws that set the recording fee and the paperwork limit at azleg.gov on October 20, 2026.

How common are seller concessions in Arizona?

Redfin reports that about 7 in 10 Phoenix-area purchases its buyers' agents handled from June to August 2026 included a credit from the seller toward repairs, closing costs or the buyer's loan (published September 18, 2026). We found no published Arizona dollar amount.

Does Arizona have a transfer tax on real estate?

No percentage transfer tax, and the state constitution bars new ones (Ariz. Const. art. IX, sec. 24). The one charge is a flat $2 real estate transfer fee per deed (A.R.S. 11-1132), collected inside the county recorder's $30 recording fee (A.R.S. 11-475). We read these laws at azleg.gov on October 20, 2026.

Who's behind it

Bryce Henderson

Our founder, Bryce Henderson, is a real estate investor, veteran and paramedic. Our team talks with Arizona homeowners about every way to sell and what each one would leave them. More about him and HERO Real Estate Investors at herorei.com.

See what homes like yours sold for.

Free for Arizona homeowners. No account needed.

A call with our team can tell you what selling here would really leave you.