How Much Does It Cost to Sell a House in Katy, TX?

Selling a home in Katy, TX typically costs 8–10% of your sale price — commissions, title fees, tax prorations, and buyer concessions. On a $340,000 home, expect $27,000–$38,000 in total costs before your net proceeds.

TL;DR: 

Most Katy sellers pay 8–10% of their sale price in combined costs, including commissions, the owner's title insurance policy, property tax prorations to Fort Bend County, and any buyer concessions. On a $340,000 home, that's $27,000–$38,000 off the top. Your exact number depends on your equity, home condition, and current market conditions in your neighborhood.

Katie Curran at MKAT Group | Keller Williams Signature works with sellers across Katy, TX and the Greater Houston area — and the first question nearly every seller asks is some version of the same thing: "What am I actually going to walk away with?"

It's the right question to ask before you decide anything. Katy's real estate market has shifted in 2026 — median home values sit around $340,000, down slightly from last year according — which makes understanding your full cost picture more important than ever before you list.

This is exactly the kind of question I walk my clients through before we even list. Because once you know your number, every other decision gets easier.

What Does It Actually Cost to Sell a House in Katy, TX?

Most Katy sellers pay between 8–10% of their final sale price in combined costs. That number surprises a lot of people, because many sellers think only about agent commissions — not the full picture.

Here's a realistic cost breakdown for a $340,000 sale:

• Real estate commission (5%–6%) — $17,000–$20,400

• Owner's title insurance — buyer's policy ($1,500–$3,500) — ~$2,000 (in Texas, the seller pays this)

• Property tax prorations — ~$2,800 (varies by your closing date)

• Settlement/escrow fee ($500–$1,000) — ~$700

• Recording fees ($50–$150) — ~$100

• Buyer concessions (0%–3%) — $0–$10,200 depending on negotiations

• Pre-sale prep — repairs, staging, photos ($1,000–$5,000+) — ~$2,500

Estimated total: roughly $25,100–$38,700, or 8–10% of your sale price.

One advantage Texas gives you: Texas does not charge a real estate transfer tax. Sellers in most other states pay an additional 0.5%–2% of their sale price in transfer taxes. In Katy, that line item simply doesn't exist.

Commission is the single largest cost. In Katy, TX, total commission generally runs 5%–6% of the sale price — and it's negotiable. The 2024 NAR settlement changed how buyer agent compensation is disclosed and structured, so this conversation looks different than it did a few years ago. Worth understanding upfront before you price.

What Closing Costs Are Unique to Texas Sellers?

Texas has several rules that differ from most other states, and they affect your bottom line directly.

You pay the buyer's title insurance policy. In Texas, the seller traditionally pays for the owner's title insurance policy — the one that protects the buyer. In most other states, that cost falls on the buyer. On a $340,000 sale in Katy, expect to pay roughly $1,500–$3,500 depending on your title company.

Property tax prorations. Texas collects property taxes in arrears, which means at closing, you'll owe the buyer a credit for the portion of the year you owned the home. In Fort Bend County — where most of Katy, TX sits — effective tax rates range from 1.40% to 1.97% depending on your ZIP code, according to Fort Bend Central Appraisal District data. On a $340,000 home at 1.75%, you're looking at roughly $5,950 per year, or about $496/month — prorated to your closing date.

HOA transfer fees, if your neighborhood has an association, are typically the seller's responsibility as well. These range from $200 to several hundred dollars depending on your HOA.

How Do You Figure Out What You'll Actually Walk Away With?

Knowing the cost categories helps — but the only number that really matters is your net.

Your seller net proceeds = sale price − total selling costs − remaining mortgage payoff.

A simple example: On a $340,000 Katy home sale with $200,000 left on your mortgage and ~$30,000 in total selling costs, your estimated net is $110,000. That number shifts with every deal — depending on your specific price, HOA fees, proration timing, and whether you're offering buyer concessions.

Buyer concessions deserve their own mention. In Katy's 2026 market, offering a credit toward the buyer's closing costs or a rate buydown is increasingly common. A 2% concession on a $340,000 sale is $6,800 coming off your proceeds. Whether that makes sense depends on your pricing strategy, your competition, and your timeline.

Every situation is different, and the only way to know your real number is to run it with someone who knows this market. A personalized seller net sheet takes about 15 minutes and gives you the clarity to make a confident decision.

FAQs: What Do Katy Home Sellers Most Want to Know About Selling Costs in Katy, TX?

Q: How much can you expect to walk away with after selling your Katy, TX home?

A: Your net proceeds depend on your sale price, your remaining mortgage balance, and your total selling costs. On a $340,000 sale with no mortgage, you might net $300,000–$315,000 after commissions and closing costs. If you still owe on your mortgage, subtract that payoff as well. The only way to know your real number is a personalized seller net sheet — it takes about 15 minutes and tells you exactly what to expect before you make any decisions.

Q: What should you know about selling a home in Katy, TX's different neighborhoods?

A: Katy spans a wide range of communities, from established neighborhoods along the Katy Freeway corridor to newer master-planned developments in ZIP codes 77493 and 77494. Buyer demand, days on market, and HOA fees vary significantly by area — which means your pricing strategy needs to account for what's actually happening in your specific neighborhood. If you want to see what buyers in your part of Katy are looking at right now, explore more about Katy TX real estate on the MKAT Group site.

Q: How do selling costs in Katy compare to nearby Fulshear or Cypress, TX?

A: The core cost structure is the same across the Greater Houston area — commission, title insurance, prorations, and no transfer tax anywhere in Texas. The differences show up in property tax rates, which vary by county and MUD district. Fulshear sits in Fort Bend County, and Cypress straddles Harris and Waller Counties — each with its own effective rate that factors into your proration at closing.

Q: Is Katy a buyer's or seller's market in 2026?

A: Katy is in balanced market territory as of spring 2026, with buyers holding more negotiating room than during the peak years of 2021–2022. Inventory has increased and days on market have extended, which is why pricing strategy matters more now than it did two years ago. If you're comparing the Katy market to nearby communities, the Fulshear and Richmond real estate markets have their own dynamics worth understanding before you decide when to list.

Q: Why should you work with a local Katy real estate agent when selling your home?

A: A local agent who knows Katy gives you advantages that protect your net proceeds: accurate pricing based on active comps in your specific neighborhood, a marketing plan built for your buyer pool, and experienced negotiation when buyers push back on price or ask for concessions. The difference between a 77493 and a 77494 ZIP code — including MUD district rates and buyer demand — matters when you're pricing to compete. That's the kind of local knowledge that shows up in your final number.

If you're trying to figure out what your Katy home is worth and what you'd walk away with after costs, Katie Curran at MKAT Group | Keller Williams Signature can run a personalized seller net sheet for your specific home — no obligation, no pressure. Reach out here to schedule a conversation.

About Katie Curran Katie Curran is a licensed REALTOR® and co-founder at MKAT Group | Keller Williams Signature, serving buyers and sellers across the Greater Houston area including Katy, Fulshear, Cypress, Richmond, Brookshire, Hockley, and Sealy, TX. Katie brings a systems-driven, data-informed approach to every transaction. She has been licensed in Houston-area real estate since 2020 at KW Signature. Connect with Katie at mkatgroup.com.

Katie Curran, REALTOR® | Greater Houston | MKAT Group, Keller Williams Signature

713-598-1889 | katie@mkatgroup.com | mkatgroup.com