The only number that actually matters.
Enter your numbersEnter your sale price, mortgage payoff and commission to estimate what you keep.
Your numbers
About these inputs
Uses our published base estimate. Enter your quoted fee if different.
Each state taxes the transfer differently. Pick yours and the math below changes with it.
Connecticut taxes a house or condo on brackets and everything else at a flat rate. Rhode Island uses the town’s property classification to determine whether the residential tier applies. Contact us about mixed-use property.
What’s left on the loan. Your lender’s payoff letter is the real figure.
Only towns that change the rate are listed. Rhode Island charges one rate statewide, so this field disappears there.
What you walk away with
Enter a sale price to see what you walk away with
Payoff, commission, transfer tax and the attorney fee, deducted line by line.
This sale closes short: the payoff and costs exceed the price. That’s worth a conversation before you list.
Details and assumptions
Transfer tax alone comes to .
Stamford charges 0.35% below $1,000,000 and 0.50% at $1,000,000 or more. The rate applies to the whole sale price.
Rhode Island adds a second $3.75 per $500 charge above $824,000, and it applies only to the portion over that line, not to the whole price. The threshold moves every January with inflation, so confirm the current figure with us before you price on it.
Nantucket and the Martha’s Vineyard towns add a 2% land bank fee. It’s the buyer’s, not yours, so it isn’t in the net above, but it will shape what a buyer is willing to pay.
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Questions about the numbers? Call (860) 603-2258.
This calculator needs JavaScript. The breakdown below walks through the same four deductions.
These calculators produce estimates for general information, not legal advice. Every transaction is different. Reach out to talk through yours.
About this estimate
This uses our published base attorney fee estimate unless you enter a different amount. Your actual quote may differ. Your lender supplies the payoff; commission comes from your listing agreement. Tax sources checked September 15, 2026: CT DRS, Stamford Resolution 3687, West Haven council minutes of May 24, 2021, Massachusetts Deed Indexing Standards, and RI ADV 2026-01. Rhode Island’s upper threshold changes each January. This estimate excludes property-tax prorations, seller credits, mortgage-release and other closing charges, nonresident withholding, additional taxes on classified land, and transaction-specific exemptions. Mixed-use property and Rhode Island property classifications need individual review. We confirm the final figures on your settlement statement.
Municipal sources: Stamford Resolution 3687 and West Haven council minutes, page 5.
Sale price in. Net proceeds out.
Four things come out of a sale price before anything reaches you. Here they are in the order they hit. The transfer tax is the one that changes state to state, and you can run it on its own with our conveyance tax calculator.
- Sale priceWhere every seller starts.
- − Mortgage payoffWhat you still owe your lender, coordinated and confirmed.
- − Real estate commissionUsually the largest single cost, set in your listing agreement.
- − Transfer taxConnecticut houses and condos: 0.75% to $800,000, 1.25% to $2.5M, 2.25% above, plus municipal tax. Other property types use a flat state rate. Massachusetts: $2.28 per $500, or $3.24 on Cape Cod. Rhode Island: $3.75 per $500, with a second charge above $824,000.
- − Attorney fee and closing costsA flat $1,050 attorney fee on most residential closings, known before work begins. Title clearing only if needed.
- = Your net proceedsWhat you walk away with, a number you already know before you sit down.
Proportions above are illustrative; every sale is different. Run your own numbers in the calculator, and we confirm the exact net on the settlement statement before you sign.
Questions sellers ask us.
What is a seller net sheet?
A line-by-line estimate of what you walk away with after a sale: the price, minus the mortgage payoff, the commission, the conveyance tax, and your closing costs. Agents run them for sellers all the time. This is the same math, without needing to ask anyone.
How much is the Connecticut conveyance tax?
For a single-family home or condo, the state portion is 0.75% on the first $800,000 of the sale price, 1.25% on the portion between $800,000 and $2.5 million, and 2.25% above that. On top of it, every Connecticut town charges a municipal conveyance tax, usually 0.25%, though seventeen towns charge 0.50% and Stamford charges 0.35%, rising to 0.50% at $1,000,000 or more. The seller pays it at closing. For most residential sales, roughly 1% of the price covers both.
How much is the Massachusetts deeds excise tax?
Massachusetts charges $2.28 for each $500 of the sale price, or any fraction of $500, which works out to about $4.56 per $1,000. On Cape Cod it is higher: deeds recorded in Barnstable County are charged $3.24 per $500, which funds the Cape Cod and Islands Water Protection Fund. The seller pays it. Nantucket and the Martha's Vineyard towns add a 2% land bank fee on top, but that one is the buyer's.
How much is the Rhode Island conveyance tax?
Rhode Island charges $3.75 for each $500 of the price, or any fraction of $500, on the whole amount. On residential sales there is a second $3.75 per $500 charge on the portion above $824,000. Only the portion above it, not the whole price. That threshold is adjusted for inflation every January, so confirm the current figure before you price on it. The seller pays, unless the contract says otherwise.
Does the conveyance tax apply if I'm refinancing?
No. The conveyance tax is triggered by a transfer of ownership. A refinance doesn't transfer anything, so there's no conveyance tax on one.