Selling a house in Troy at June 2026’s median sale price of $468,000 costs roughly $18,495 to $37,815 all in, about 4.0% to 8.1% of the sale price. That is a negotiable listing commission, an optional buyer agent concession, Michigan’s fixed transfer tax, and title and closing fees, line by line below. The model and sources are the same ones behind our statewide cost to sell a house in Michigan guide; the numbers here are computed at Troy’s own market prices from our June Troy housing market report.
What selling costs in Troy at the June median
| Line item | Low end | High end | Basis |
|---|---|---|---|
| Listing agent commission (2.5% to 3%, negotiable) | $11,700 | $14,040 | Clever Feb 2026 MI survey; fully negotiable post NAR |
| Buyer agent concession (0% to 3%, optional) | $0 | $14,040 | NAR settlement rules (Aug 2024) |
| Michigan state transfer tax ($7.50 per $1,000) | $3,510 | $3,510 | MCL 207.525, seller pays |
| Oakland County transfer tax ($1.10 per $1,000) | $515 | $515 | MCL 207.504 |
| Owner’s title insurance (est. 0.5% to 1%) | $2,340 | $4,680 | Houzeo MI rate guide; get an exact quote |
| Settlement and closing fee | $400 | $1,000 | Houzeo and Clever estimates |
| Recording the mortgage discharge | $30 | $30 | Clever MI closing cost data |
| Total | ≈ $18,495 (4.0%) | ≈ $37,815 (8.1%) | computed at the June median |
Mortgage payoff is excluded: that is your loan balance, not a selling cost. Prep work (paint, staging, small repairs) ranges from $0 to five figures depending on the house, so no table can price it for you in advance.
Transfer tax on a Troy sale
Michigan’s transfer tax is fixed by statute at $8.60 per $1,000 of sale price: $7.50 to the state under MCL 207.525 and $1.10 to Oakland County under MCL 207.504, and the seller pays it under MCL 207.523. On a $468,000 Troy sale that is $4,025, collected when the deed records with the Oakland County Register of Deeds in Pontiac. The statute rounds the taxable amount up to the next $500 increment.
Commission in Troy is negotiable, in writing
Michigan agents quoted an average total commission of 6.20% in Clever’s February 2026 survey, but since the NAR settlement took effect in August 2024 every commission is negotiable by law and disclosed in writing. In practice Troy listing commissions commonly land between 2.5% and 3%. Ask any agent you interview to defend their fee with a marketing plan and net proceeds math; our guide to choosing a Troy realtor covers exactly what to ask.
What Troy’s market does to your selling costs
Troy gives sellers unusual leverage on the cost side. At a 27 day median and a median price up 6.4% in a year, well prepared homes near the Big Beaver corridor and top school boundaries sell close to asking, which means many Troy sellers can hold the line on buyer agent concessions. Pricing precision does more for your net here than any fee negotiation. June numbers: 82 homes sold, 27 day median on market, median price up 6.4% year over year, per our Troy market report.
Your estimated net at the June median
Sell at $468,000 and the model above leaves an estimated $430,185 to $449,505 before mortgage payoff. The single biggest swing is the buyer agent concession, worth up to $14,040: whether you offer one should be a pricing strategy decision made with live comps, not a default.
Selling for cash instead
If speed matters more than the last dollar, a direct cash offer trades some price for zero prep, zero showings, and a closing date you pick. We always show both numbers side by side so you can decide with the math in front of you: see how a cash offer compares to listing.
What is your Troy home worth right now?
Every number above starts from the sale price, so the first real step is knowing yours. Request a free valuation built on closed Oakland County comps, no obligation.
What is your home worth? Get both numbers.
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Troy selling cost FAQs
How much does it cost to sell a house in Troy, Michigan?
At Troy’s June 2026 median sale price of $468,000, plan on roughly $18,495 to $37,815 all in, or about 4.0% to 8.1% of the sale price. That covers a negotiable 2.5% to 3% listing commission, an optional buyer agent concession, Michigan’s $8.60 per $1,000 transfer tax, and title and closing fees. Mortgage payoff is separate.
How much is transfer tax on a $468,000 home in Troy?
$4,025. Michigan charges $7.50 per $1,000 to the state ($3,510) plus $1.10 per $1,000 to Oakland County ($515), and the seller pays it by statute. The deed records with the Oakland County Register of Deeds in Pontiac.
Who pays the realtor commission in Troy?
The seller pays their own listing commission, typically 2.5% to 3% and negotiable by law since the August 2024 NAR settlement. Whether you also offer compensation or a concession toward the buyer’s agent is now your choice, negotiated deal by deal rather than preset on the MLS.
Sources: MCL 207.525, 207.504 and 207.523 (legislature.mi.gov), Clever Real Estate Michigan commission and closing cost surveys (Feb and July 2026), Houzeo Michigan title insurance guide, and Realcomp MLS June 2026 sales via our Troy market report. Computed August 17, 2026. Every figure is an estimate; your closing statement governs.