How Much Does It Cost to Sell a House in Pasco County?
When most homeowners start thinking about selling, the first question that usually comes up is:
“How much does it cost to sell a house in Pasco County?”
It’s a fair question—and one that deserves a straight answer. As a local Realtor working throughout Pasco and Hernando County, I’ve helped hundreds of sellers break down the real costs of selling a home so they can plan confidently and avoid surprises at closing.
Here’s what you should expect.
Realtor Commissions and Title Fees
Most people understand that Realtor commissions are a big part of the cost of selling, but there’s more to the picture. Alongside commission, you’ll also pay title fees, county fees, and prorated property taxes (since we pay property taxes in arrears here in Florida).
Sometimes, there are also last-minute insurance repair requirements—small things the buyer’s insurance company wants fixed before closing. These are extremely common in our area and usually involve items like the electrical panel, plumbing, HVAC, or roof.
On average, Realtor commissions in Pasco County range from 5–6%, and title/county fees typically run 1.5–2% of the sale price. Taxes vary by situation, but on a $300,000 home, you’re usually looking at around $20,000 in total selling costs once everything’s added up.
Understanding Commission in Today’s Market
After the recent changes in our industry, buyers and their agents now negotiate their own compensation. That means, as a seller, you’re no longer dictating how much the buyer’s agent earns—it’s worked out offer by offer.
My job is to make sure you have the full breakdown of each offer, including exactly what you’ll net after all fees and costs. That way, you can make smart, informed decisions instead of just focusing on the top-line price.
When it comes to my own side, I offer three flexible selling options designed to fit different needs and budgets—from a lean, low-cost plan for those who want to minimize expenses, to a concierge package that handles every detail for out-of-state owners or estate situations.
(You can explore all three under “Selling Options” in the website menu.)
Hidden or Overlooked Costs
Beyond the basics, there are a few smaller items that can sneak up on sellers:
4-Point Inspection Repairs: Insurance carriers often require a home to meet certain standards before issuing a policy. Minor electrical, plumbing, or HVAC fixes are common.
Roof Age: If your roof is nearing 20 years old, it might trigger an insurance issue for the buyer that has to be addressed before closing.
Deep Cleaning & Paint Touch-Ups: A professional clean and a quick coat of neutral paint in key rooms go a long way.
Deferred Maintenance: Simple things—like tightening fixtures, cleaning vents, or replacing weatherstripping—can make a big difference.
I have trusted vendors who do high-quality work at fair prices, and I’m always happy to recommend them. Sometimes, just wiping down baseboards and air vents or pressure-washing the driveway can transform how a home shows—without spending much at all.
Property Taxes and Title Work
One area that confuses many sellers is property tax adjustments at closing.
If you still have a mortgage, your lender has likely been collecting property taxes in escrow. The title company will coordinate with them to make sure the correct amount is credited.
If you own your home free and clear, you’ll need to bring your share of the year’s taxes to closing—based on how long you owned the home that year.
For example, if you close on June 1st, you’ll owe roughly half the annual taxes.
Title companies handle all these calculations for you, but it’s helpful to understand where those numbers come from ahead of time.
Keeping More of Your Equity
My approach has always been to run my business with clear and transparent pricing. I don’t believe in hiding fees or waiting until the listing appointment to talk about commission.
Because my process is streamlined and tech-driven—using tools like virtual staging, digital signings, and online marketing—I’m able to keep overhead low and pass those savings directly back to my clients.
That’s how we keep more of your hard-earned equity where it belongs—with you.
My flexible selling options page breaks down how each plan handles costs and commissions differently—so you can choose what fits your budget best.
What About Selling “For Sale by Owner”?
It’s tempting to think, “I’ll just sell it myself and save the commission.” But the reality is a bit more complicated.
Most “For Sale by Owner” sellers end up paying the buyer’s agent’s half of the commission anyway—meaning they might save 2–3%, not the full 5–6%. On top of that, they’re handling pricing, marketing, showings, contracts, and legal paperwork alone.
And here’s the part most people don’t realize:
Sites like Zillow actually bury FSBO listings. They make their money from Realtors who pay for leads and featured placement, so owner-listed homes rarely get the exposure they need. You’ll find your listing hidden behind a checkbox labeled “Owner Posted,” which most buyers never even click.
Without professional marketing, pricing expertise, and negotiation experience, most FSBO sellers end up netting less—not more—than they would have with an experienced agent.
The Biggest Costly Mistake to Avoid
The most expensive mistake a homeowner can make is assuming that “doing it themselves” will save money.
Between repairs, underpricing, limited visibility, and lack of negotiation experience, a FSBO sale often leaves thousands on the table.
Working with a professional who knows the local market—and who’s upfront about costs from the start—almost always leads to a smoother, faster sale and a stronger bottom line.
Final Thoughts
Selling a home in Pasco County isn’t free—but it doesn’t have to drain your equity, either.
With the right strategy, a clear understanding of fees, and a Realtor who’s transparent about every dollar, you can walk away with confidence knowing you got a fair deal.
If you’re thinking about selling, I’d be happy to show you exactly what your home could sell for and what your net proceeds would look like.
You can explore my three flexible selling options anytime by clicking “Selling Options” in the menu above.
About the Author
Keith Mathias is a full-time Realtor serving Pasco, Hernando, and Pinellas Counties. Known for his transparent, no-nonsense approach, Keith has helped hundreds of Florida homeowners sell with confidence — from first-time sellers to families handling estate transitions.
With a background in marketing and negotiation, Keith focuses on clarity, education, and keeping more of your equity in your pocket. Every article he writes is based on real local experience, recent market data, and the same guidance he gives his own clients.
When he’s not meeting with sellers or analyzing the market, you’ll find him exploring local neighborhoods, supporting community events, and sharing weekly insights on the Pasco County real estate market.
