McKinney Home Selling Costs
How Much Does It Cost to Sell a House in McKinney, TX?
Selling a McKinney home in 2026 means navigating post-NAR commission changes, Texas title insurance premiums, property tax prorations, and closing costs that vary by ZIP code. This guide breaks down every line item so the number you see at the closing table is the one you planned for, not the one that surprises you.
Selling a home in McKinney, Texas is not a single transaction. It is a sequence of costs that accumulate from the day you sign a listing agreement to the moment the title company wires your net proceeds. Most sellers think primarily about commission. That figure matters, but it is only one piece of the picture. Title insurance, property tax proration, escrow fees, document preparation, any negotiated repair credits, and the time value of carrying costs all land at the closing table too. This guide walks through every line item with real McKinney numbers so you can build an accurate net proceeds estimate before you ever commit to a list price.
What it costs to sell a McKinney home: the full picture
Before we get into the individual line items, it helps to see the full list in one place. McKinney sellers in 2026 should plan to account for the following costs, roughly in order of size:
- Agent commission (now separately negotiated post-NAR settlement): listing agent fee typically 2.5% to 3%, plus buyer’s agent compensation if you choose to offer it
- Owner’s title insurance premium: set by the Texas Department of Insurance on a promulgated rate schedule, ranging from $2,113.80 on a $370K sale to $2,884.44 on a $526K sale (Texas Dept of Insurance, 2026 rate schedule)
- Property tax proration: McKinney’s combined FY2025-26 tax rate is 1.747147%, meaning a seller closing mid-year owes approximately $4,800 in prorated taxes on a $471K home (Collin Central Appraisal District, FY2025-26)
- Escrow and title fees: typically $800 to $1,500, paid to the title company for settlement services
- Survey: $400 to $700 if a current survey is not on file
- Document preparation: $150 to $350
- Home warranty (optional but common): $400 to $600 for a one-year buyer’s warranty, often offered by sellers to ease negotiation
- Negotiated repair credits or concessions: variable, but plan for $1,000 to $5,000 depending on inspection results
Added together and excluding commission, the typical McKinney seller on a $471K home (the 75070 median) is looking at approximately $9,000 to $11,500 in non-commission closing costs. That is a meaningful figure to have in your planning before you set your list price or sign a contract.
The remainder of this guide breaks each category down with specific dollar amounts, the source data behind them, and a ZIP-by-ZIP comparison table so you can see exactly where your home falls in the McKinney cost picture.
McKinney Home Sellers
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Call the Kaitlin Lovern Team at 214.429.4907 for a written net proceeds estimate based on your specific ZIP code, price point, and situation. No obligation. No algorithm.
What Do McKinney Sellers Pay in Commission After the 2024 NAR Settlement?
The August 2024 NAR settlement changed the landscape for how buyer’s agent compensation is structured in real estate transactions across the country, including in McKinney (NAR, 2024 settlement terms). Before the settlement, it was standard practice for sellers to offer buyer’s agent compensation as a condition of MLS listing, typically rolling the full commission into the transaction without a separate conversation about what each side of the deal cost. That structure no longer applies.
Under the post-settlement framework, buyer’s agent compensation is now separately negotiated and no longer required as a condition of MLS access. In practice for McKinney sellers in 2026, this means you have three realistic paths:
- Offer buyer’s agent compensation as a concession: You agree in your listing or purchase contract to contribute a specified amount toward the buyer’s agent fee. This remains common because it helps sellers reach the broadest pool of buyers who are working with agents, and many buyers are negotiating agent compensation directly into their financing.
- List without a buyer’s agent offer: You do not pre-offer buyer’s agent compensation. Buyers working with agents may then ask you to cover it in the offer or negotiate it as part of closing costs. This approach gives sellers flexibility but requires more negotiation on a deal-by-deal basis.
- Negotiate buyer’s agent compensation as part of the offer: The buyer’s agent fee becomes a line item in each individual offer, similar to any other closing cost credit. This is the structure the post-settlement market is settling into.
For a McKinney home at $471K, a listing agent fee of 2.5% to 3% works out to roughly $11,775 to $14,130. If you also agree to cover a buyer’s agent fee of 2% to 2.5%, the combined commission expense is $21,195 to $26,010 on a $471K sale. That is a significant line item and one that should be explicitly discussed in your pre-listing conversations.
The right approach depends on market conditions in your specific ZIP code and price tier. McKinney’s three primary ZIP codes all show different days-on-market figures in 2026 (Redfin, 2026), which means the competitive dynamics are different: in a faster-moving ZIP like 75070, sellers may have more leverage to structure compensation favorably; in 75071 with days on market stretching to 90 to 171 days, offering buyer’s agent compensation as a concession is often the more strategic choice to keep your listing competitive. The Kaitlin Lovern Team advises sellers on this specifically, not generically. Call 214.429.4907 to talk through what the right structure looks like for your home.
“This is not transactional for us. The commission conversation is one piece of a strategy that’s built around your actual net proceeds, not a percentage.”
How Much Is Title Insurance in McKinney by ZIP Code?
Texas is one of a handful of states where title insurance premiums are promulgated by the state rather than set by individual insurers. The Texas Department of Insurance publishes a rate schedule that every title company in the state must follow, which means the premium on your home is the same regardless of which title company you use (Texas Dept of Insurance, 2026 rate schedule). That is good news for sellers: you can compare title companies on service and turnaround, not on cost.
The formula for owner’s title insurance on a home priced between $100,000 and $1,000,000 is: premium = (sale price minus $100,000) × 0.00494 + $780. Applied to the three McKinney ZIP code price tiers, the numbers look like this:
| ZIP Code | Neighborhood Examples | Redfin 2026 Median Price | Typical Days on Market | Est. Title Insurance Premium | Est. Tax Proration (7 months) |
|---|---|---|---|---|---|
| 75070 | Craig Ranch, Stonebridge Ranch | $471,000 | ~36 days | $2,612.74 | ~$4,800 |
| 75069 | Older McKinney core, Historic District | $370,000 | ~73 days | $2,113.80 | ~$3,770 |
| 75071 | Estates, newer developments | $526,000 | 90-171 days | $2,884.44 | ~$5,361 |
Title insurance premiums calculated using the Texas Department of Insurance promulgated rate formula for $100K-$1M: (price – $100,000) x 0.00494 + $780 (TDI, 2026). Tax prorations calculated at McKinney’s combined FY2025-26 rate of 1.747147% on assessed value, prorated for 7 months (Collin Central Appraisal District, FY2025-26). Median prices and days on market from Redfin McKinney market data, 2026.
It is worth noting that in most Texas transactions, the owner’s title insurance policy is a seller cost, while the lender’s title insurance policy (required if the buyer is getting a mortgage) is typically a buyer cost. Your agent should confirm which items your specific contract assigns to each party, since this can be negotiated. Your net proceeds estimate from the Kaitlin Lovern Team will show these line items explicitly so there are no surprises at closing.
The 75070 ZIP code, anchored by Craig Ranch and Stonebridge Ranch, carries the fastest pace in McKinney at roughly 36 days on market and a $471K median. That speed advantage matters for sellers in terms of carrying costs: a home that closes in 36 days is spending about half as much in mortgage interest, insurance, and utilities during the marketing period as one sitting in 75071 for 90 to 171 days. That carrying cost difference is real money and belongs in your planning even though it does not appear as a formal closing cost line item.
Texas title insurance calculation example: On a $471,000 sale in ZIP 75070, the formula gives ($471,000 – $100,000) x 0.00494 + $780 = $1,832.74 + $780 = $2,612.74. This is fixed statewide by the Texas Dept of Insurance rate schedule, regardless of which title company you use.
Know Your Numbers Before You List
Get a line-by-line net proceeds estimate for your McKinney home
The Kaitlin Lovern Team builds every seller a written net proceeds estimate before listing. Title, proration, commission, carrying costs. Call 214.429.4907 or visit kaitlinlovern.com/sell/ to get started.
How Does Property Tax Proration Work at Closing in McKinney?
Texas property taxes are paid in arrears, meaning the bill for this year’s taxes does not arrive until late October or November of each year, with a deadline of January 31 of the following year. When you sell your McKinney home mid-year, you have lived in and benefited from the property for a portion of the tax year but have not yet paid that portion’s taxes. The title company handles this at closing through a proration: the seller credits the buyer the portion of taxes owed from January 1 through the date of closing, and the buyer pays the full tax bill when it arrives in the fall.
McKinney’s combined FY2025-26 property tax rate is 1.747147%, made up of four taxing entities: the City of McKinney at 0.412284%, Collin County at 0.149343%, Collin College at 0.081220%, and McKinney ISD at 1.1043% (City of McKinney FY2025-26 adopted rate; Collin Central Appraisal District, 2025-26). That combined rate is applied to your property’s assessed value, not necessarily your sale price, though values have tracked closely to market in recent years.
Proration example: $471K home in McKinney, closing in July
Using the 75070 median of $471,000 as the assessed value:
- Annual tax bill: $471,000 x 1.747147% = $8,228.96 per year
- Monthly equivalent: $8,228.96 / 12 = $685.75 per month
- 7-month proration (January through July): $685.75 x 7 = approximately $4,800
That $4,800 is a credit from seller to buyer at closing. It comes directly off your net proceeds. For a seller closing in October after 10 months in the year, that proration would jump to approximately $6,857. The month you close matters. Your net proceeds estimate should use the actual projected close date, not a round number (Collin Central Appraisal District, FY2025-26 rate data).
For context, if you are selling a home in the higher-priced 75071 ZIP at the $526,000 median, the annual tax bill at 1.747147% is approximately $9,189 per year, and a 7-month proration works out to roughly $5,361. McKinney ISD’s portion of that rate alone is 1.1043%, making school district taxes the largest single component of your overall tax burden as a Collin County property owner (Texas Real Estate Research Center, 2026 property tax outlook).
Practical tip: If your Collin Central Appraisal District assessed value is significantly different from your sale price, ask your agent to run the proration calculation both ways. In rising markets, assessed values often lag behind actual sales prices. If assessed value is lower than your sale price, you may owe less in proration than a naive calculation suggests. Your agent should verify the current certified appraisal value, not just use list price as a proxy.
What Other Closing Costs Should McKinney Sellers Expect?
Beyond title insurance and tax proration, several other costs commonly appear on a McKinney seller’s closing disclosure. They are smaller individually but add up quickly and should be in your plan from the start.
Escrow and settlement fees
The title company charges a fee for conducting the closing, managing the escrow account, and disbursing funds. In McKinney, this typically runs $800 to $1,500 for the seller’s share of settlement services. The total fee is split between buyer and seller in most transactions, with the allocation determined by the contract. This is sometimes labeled as “closing fee,” “settlement fee,” or “escrow fee” on the closing disclosure, depending on the title company.
Survey
Texas lenders almost always require a current survey before financing a home purchase. If you do not have a survey that is acceptable to the buyer’s lender, you will typically be asked to provide one at a cost of $400 to $700 in the McKinney market. If your survey is recent (generally within the last few years and with no changes to fences, structures, or easements), it may transfer without ordering a new one. Check whether you have a current survey on file before listing; it is one of the easier costs to avoid with a bit of preparation.
Document preparation fees
Title companies charge for preparing the deed, HUD or closing disclosure, and other transaction documents. This is typically $150 to $350 and is straightforward. It is a cost that does not vary much by price point and is simply part of the administrative overhead of transferring a property title.
Home warranty
Offering a one-year home warranty to the buyer is common practice in McKinney and can help smooth a negotiation, particularly if your home has older mechanical systems or the buyer raises concerns after inspection. A standard one-year buyer’s warranty in Collin County runs $400 to $600 from providers like American Home Shield, Choice Home Warranty, or First American. Whether to offer one is a strategy question your agent should advise on based on your specific home and buyer pool; it is not automatic, but it is common enough to plan for.
Repair credits and concessions
After the inspection period, buyers often request repairs or credits. In the current McKinney market, where 75069 is running approximately 73 days on market and 75071 can stretch well beyond 90 days (Redfin, 2026), sellers in slower-moving ZIPs are in a relatively weaker position in inspection negotiations than those in faster-moving markets like 75070. Plan for $1,000 to $5,000 in repair credits or concessions as a realistic range, though it can run higher if major systems (roof, HVAC, foundation) are flagged. An agent who has walked through your home before listing can give you a much tighter estimate of what an inspector is likely to find and what it will cost you in negotiations.
“Buying a house is a lot like eating an elephant. You do it one step at a time. The same is true for selling one, and the sellers who plan the full cost picture before they list close with no surprises.”
Other miscellaneous costs
Depending on your specific situation, you may also encounter HOA transfer fees (common in McKinney’s master-planned communities; typically $200 to $500), a resale certificate fee charged by your HOA ($100 to $300), recording fees for the deed ($25 to $75), and any outstanding liens or dues that must be cleared at closing. If your home is in a community with a mandatory HOA, budget for both the transfer fee and the resale certificate. Your title company will collect these from your proceeds at closing.
Selling in McKinney
Not sure where to start? Start with a conversation.
The Kaitlin Lovern Team has represented more than 400 North Dallas families through every price point in McKinney, Frisco, Plano, and Prosper. Call us at 214.429.4907 or book a 30-minute conversation to talk through your numbers.
What Will McKinney Sellers Actually Keep in Net Proceeds?
The only number that really matters to a seller is net proceeds. Everything else is overhead getting you to that figure. The table below builds out a realistic net proceeds estimate at three price tiers corresponding to McKinney’s three primary ZIP codes. Commission is shown at a combined rate of 5% (2.5% listing + 2.5% buyer’s agent) for illustration; your specific structure may differ based on how buyer’s agent compensation is negotiated in your transaction.
All non-commission figures use the verified data cited throughout this article. The “other costs” column captures escrow, survey, document prep, HOA transfer, and a $2,500 midpoint repair credit. Home warranty is not included but add $500 if you plan to offer one.
| ZIP Code | Sale Price | Commission (5%) | Title Insurance | Tax Proration (7 mo.) | Other Costs | Est. Net Proceeds |
|---|---|---|---|---|---|---|
| 75069 | $370,000 | $18,500 | $2,113.80 | ~$3,770 | ~$5,000 | ~$340,616 |
| 75070 | $471,000 | $23,550 | $2,612.74 | ~$4,800 | ~$5,500 | ~$434,537 |
| 75071 | $526,000 | $26,300 | $2,884.44 | ~$5,361 | ~$6,000 | ~$485,455 |
Estimates only. Commission shown at 5% combined (2.5% + 2.5%) for illustration; actual commission is separately negotiated. Title insurance per TDI 2026 promulgated rate schedule. Tax proration per McKinney combined FY2025-26 rate of 1.747147% (Collin Central Appraisal District). Other costs include estimated escrow, survey, document prep, HOA transfer fee, and a $2,500 repair credit midpoint. Actual figures will vary. A written net proceeds estimate from the Kaitlin Lovern Team is specific to your property and closing date.
A few things stand out from this table. First, the difference in net proceeds between a seller in 75070 and one in 75069 is approximately $93,921 at median sale price, which reflects the real price premium that Craig Ranch and Stonebridge Ranch command over the older McKinney core. Second, even though 75071 has the highest gross sale price, it also carries the highest cost structure and the longest marketing timeline, which means carrying costs (mortgage interest, utilities, insurance during the listing period) eat into net proceeds in ways that do not appear in this table. For a seller in 75071 carrying a $400,000 mortgage at 6.5% (Freddie Mac PMMS, 2026), an additional 60 days on market represents approximately $4,333 in mortgage interest alone. That is a real cost that argues for getting pricing and marketing right from day one.
Third, the “other costs” line can move significantly depending on inspection results. A home with a roof that is approaching end of life, an older HVAC system, or known foundation issues may see repair credits of $8,000 to $15,000 rather than $2,500. If any of those conditions apply to your home, a pre-listing inspection is a smart investment. The $400 to $600 it costs gives you the information before the buyer’s inspector does, so you can either repair items or price with knowledge rather than being surprised mid-contract.
Your Real Net Proceeds
Ready to see your actual number?
Request a written net proceeds estimate from the Kaitlin Lovern Team. We will run the real math on your ZIP code, your current mortgage balance, your projected closing date, and your negotiation strategy. Call 214.429.4907 or start online at kaitlinlovern.com/sell/.
How the Kaitlin Lovern Team helps McKinney sellers
Every seller deserves to know their actual net proceeds before they sign a listing agreement. That sounds obvious, but it is not universal practice. Many agents present sellers with a list price and a commission rate and leave the rest of the closing cost picture to be discovered at the title company. The Kaitlin Lovern Team does not operate that way. Every McKinney seller we work with receives a written net proceeds estimate that accounts for title insurance, tax proration, escrow fees, survey, HOA costs, and a realistic estimate of repair credits based on a walk of the home, before we ever discuss a list price.
Pricing accuracy in a market with three distinct ZIP codes
McKinney is not a single market. The 36-day median days on market in 75070, the 73-day figure in 75069, and the 90-to-171-day range in 75071 are not noise. They are structural differences between three distinct buyer pools and inventory environments. A seller in Craig Ranch needs a different pricing strategy than a seller in the older McKinney core, and a seller in 75071 with an estate-tier home needs yet another approach. Getting this wrong by even 3% to 5% on a $471K home means leaving $14,000 to $23,500 on the table, either through underpricing or through the carrying costs and eventual price reductions that come from overpricing. Accurate pricing from day one is the most valuable service a listing agent provides, and it is built on ZIP-level data, not market-wide averages.
Commission structure that serves your net proceeds
The post-NAR settlement environment gives sellers more flexibility in how buyer’s agent compensation is structured. The Kaitlin Lovern Team advises every McKinney seller on what the optimal structure looks like for their specific ZIP code and price tier, taking into account current days-on-market trends, the competitive inventory environment, and what buyer agents in the active buyer pool for your home type are expecting. In some cases, offering buyer’s agent compensation as a concession produces a faster sale and a better net; in others, leaving it to negotiation deal by deal makes more sense. There is no single right answer, and any agent who tells you otherwise is not looking at your specific situation.
A team small enough to stay personal
Kaitlin Lovern works alongside Renee, Emily, Kim, and Melissa, a team built to provide a genuinely personal experience at every step of a McKinney sale. Sellers at any price point deserve to reach the person who knows their file, not a transaction coordinator who has never seen the house. That structure is not a limitation of our scale; it is a deliberate choice. Clients who have already worked with us know that when they call 214.429.4907, they reach someone who knows their address, their timeline, and their situation. That level of service is something we build into every transaction, not just the high-priced ones.
Proven results in North Dallas
Kaitlin Lovern has been named a D Magazine Best Realtor eight consecutive times, holds $255M+ in career sales volume, and ranks in the top 1% of REALTORS nationwide (RealTrends Verified). That track record is built on relationships, not transactions, and it is demonstrated in the referrals that make up the majority of new seller clients each year. Greatness is demonstrated, not declared, and the demonstration is in the results: accurate pricing, strong marketing, and a closing table that delivers the number we promised.
If you are planning to sell a home in McKinney in 2026, whether that is in the next 60 days or the next 12 months, the most useful first step you can take is a direct conversation with the Kaitlin Lovern Team. Call 214.429.4907, start your home value request at kaitlinlovern.com/sell/, or book a 30-minute consultation at calendly.com/kaitlinlovern. The conversation is free, there is no obligation, and you will leave with a real picture of what selling your McKinney home looks like, from the first costs to the final wire.
For additional context on timing, pricing, and market conditions, read our companion guides: What Is My Home Worth in McKinney, TX? and Is Now a Good Time to Sell a House in McKinney, TX? If you are evaluating across North Dallas markets, see our main hub at What Is My Home Worth in Frisco, TX?
Start with a Conversation
Let’s build your McKinney selling strategy together
From net proceeds estimate to closing table, the Kaitlin Lovern Team has helped more than 400 North Dallas families get their real number. Call 214.429.4907 or visit kaitlinlovern.com/contact/ to connect with the team today.
Frequently asked questions
The total cost of selling a McKinney home in 2026 depends on your price point and ZIP code, but a realistic planning range is 8% to 12% of your sale price when you factor in commission, title insurance, tax proration, escrow fees, and repair credits. On the 75070 median of $471,000, that works out to approximately $37,000 to $56,500 in total selling costs, leaving a net proceeds range of roughly $415,000 to $434,000 before deducting any remaining mortgage balance. Call 214.429.4907 or visit kaitlinlovern.com/sell/ for a written estimate specific to your address and closing date.
Title insurance premiums in Texas are set by the Texas Department of Insurance on a promulgated rate schedule, so every title company must charge the same amount. For a $471,000 home, the formula is ($471,000 – $100,000) x 0.00494 + $780 = $2,612.74 for the owner’s title insurance policy (Texas Dept of Insurance, 2026 rate schedule). This is typically a seller cost in Texas transactions, though it can be negotiated as part of the contract. A separate lender’s title insurance policy, paid by the buyer, is also required if the buyer is getting a mortgage.
McKinney’s combined FY2025-26 property tax rate is 1.747147%, including City of McKinney, Collin County, Collin College, and McKinney ISD (Collin Central Appraisal District, FY2025-26). On a $471,000 home, the annual tax bill is approximately $8,229, or about $686 per month. A seller closing in July after 7 months in the tax year would owe a proration credit to the buyer of approximately $4,800. That amount comes directly off your net proceeds at closing. A seller closing in October would owe closer to $6,857. Ask your agent to run the proration for your specific projected close date, not a round number.
The August 2024 NAR settlement removed buyer’s agent compensation as a mandatory condition of MLS listing (NAR, 2024 settlement terms). In practice for McKinney sellers in 2026, commission is now structured as: (1) your listing agent fee, typically 2.5% to 3%; plus (2) any buyer’s agent compensation you agree to offer, which is now separately negotiated. You can offer it as a contract concession, leave it to be negotiated deal by deal, or some combination. In slower-moving McKinney ZIPs like 75069 and 75071, offering buyer’s agent compensation as a concession often helps keep your listing competitive. The Kaitlin Lovern Team advises sellers on the optimal structure for their ZIP code and price tier. Call 214.429.4907 to discuss your specific situation.
As of 2026, 75070 is McKinney’s fastest-moving ZIP code at approximately 36 days on market, anchored by Craig Ranch, Stonebridge Ranch, and nearby master-planned communities with strong school district access and amenity infrastructure (Redfin, 2026). The 75069 ZIP covering older McKinney runs closer to 73 days on market, and 75071, which covers larger estate-tier properties and newer outlying developments, ranges from 90 to 171 days. Those differences in days on market translate directly into real carrying cost differences during the listing period, which is why ZIP-level pricing and marketing strategy matters in McKinney more than in more uniform suburban markets. For a full market picture, see Is Now a Good Time to Sell a House in McKinney, TX?
Yes. The Kaitlin Lovern Team represents sellers across McKinney, Frisco, Plano, Prosper, Allen, and Celina, and has collectively represented more than 400 North Dallas families. Kaitlin has been named D Magazine Best Realtor eight times and holds $255M+ in career sales volume with a license in good standing with the Texas Real Estate Commission (license #0634293, Real Brokerage LLC). To schedule a no-obligation net proceeds consultation, call 214.429.4907, visit kaitlinlovern.com/sell/, or book a 30-minute call at calendly.com/kaitlinlovern.
About the author
Kaitlin Lovern
Founder & Lead Realtor · Real Brokerage LLC
Kaitlin Lovern is ranked in the top 1% of REALTORS® nationwide and RealTrends Verified, specializing in seller representation across McKinney, Frisco, Plano, and North Dallas. She has helped more than 400 North Dallas families navigate the full cost picture of selling so they close with exactly the number they planned for. Call 214.429.4907, visit kaitlinlovern.com/sell/, or reach the team at kaitlinlovern.com/contact/. Texas license #0634293.
Sources: Redfin, McKinney TX housing market data by ZIP code (2026), including 75070, 75069, 75071 median prices and days on market; Texas Department of Insurance, promulgated owner’s title insurance rate schedule for transactions $100K-$1M (TDI, 2026); Collin Central Appraisal District, combined McKinney property tax rate components FY2025-26 (City of McKinney 0.412284%, Collin County 0.149343%, Collin College 0.081220%, McKinney ISD 1.1043%); City of McKinney, FY2025-26 adopted tax rate; National Association of Realtors, 2024 settlement terms and MLS policy changes effective August 2024; Freddie Mac Primary Mortgage Market Survey, 30-year fixed rate range 6.4-6.6% mid-2026; Texas Real Estate Research Center, Texas A&M University, Collin County market data and property tax context (2026). This article is general educational information and does not constitute legal, tax, or financial advice. Consult a licensed CPA, attorney, or real estate professional for guidance specific to your property and situation.
