Seller guide, updated November 2026
Cost to Sell a House in Naperville, IL
Cost to sell a house in Naperville, IL, line by line: commission, transfer taxes, title, attorney and the property tax credit.
By Realtor in Naperville. Updated November 2026.
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01 / The answer
Cost to sell a house in Naperville, IL, line by line
Cost to sell a house in Naperville, IL comes from six items: the commission in your listing agreement, the Illinois transfer tax, the DuPage or Will County transfer tax, the owner's title policy, your attorney's fee and the property tax credit to the buyer. The commission and the tax credit are usually the largest. This guide is not a quote; Realtor in Naperville prepares a net sheet for your address.
Get my net sheet02 / Table
The costs of selling a home in Naperville
Commission
How it is set: Your listing agreement; negotiable
Example on a $619,663 sale: Depends on the agreement
Illinois transfer tax
How it is set: $0.50 per $500 of the price (35 ILCS 200/31-25)
Example on a $619,663 sale: $620
County transfer tax
How it is set: $0.25 per $500 of the price, DuPage or Will County
Example on a $619,663 sale: $310
Owner's title policy
How it is set: Title company rate; customarily paid by the seller in Illinois
Example on a $619,663 sale: Quote from the title company
Attorney
How it is set: Flat fee set by your attorney
Example on a $619,663 sale: Quote from your attorney
Property tax credit
How it is set: Illinois taxes are paid a year behind; the seller credits the buyer up to closing
Example on a $619,663 sale: Based on the last tax bill
The $619,663 example is the Naperville median sale price (Redfin, April to June 2026). Transfer taxes are figured per $500 of the price, rounded up. The City of Naperville transfer stamp, $1.50 per $500, is paid by the buyer under city ordinance, not by the seller.
03 / Commission
How commission works in Naperville
Since August 2024, listing agreements and buyer agreements state compensation in writing, and every amount is negotiable. A seller can offer to pay part of the buyer's agent compensation as part of the deal, or not. Realtor in Naperville explains each option before you sign a listing agreement.
04 / Other costs
Other costs Naperville sellers plan for
- Mortgage payoff and any home equity line.
- Repairs or credits agreed after the buyer's inspection.
- HOA paid assessment letter and any transfer fee.
- Final water bill and utilities.
- Moving costs and, if needed, a few weeks of overlap with your next home.
05 / Lower costs
How to lower the cost of selling in Naperville
Price the home right the first time, because price cuts cost more than any fee. Fix the items an inspector will flag before listing, and compare the full net, not the commission alone. Realtor in Naperville prepares a net sheet so you see what you keep.
06 / Questions
Questions about the cost to sell in Naperville
The seller customarily pays the Illinois and county transfer taxes. The buyer pays the City of Naperville stamp under city ordinance. Buyer and seller can agree otherwise in the contract.
$0.25 per $500 of the sale price, half the Illinois rate of $0.50 per $500. Will County charges the same $0.25 per $500.
Yes, as a credit. Illinois property taxes are paid a year behind, so the seller credits the buyer for the taxes owed up to the closing date.
No. Commission is set in your listing agreement and is negotiable.
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